Best Mortgage Advice Forum
by Ask Kate

Welcome to the Best Mortgage Advice Forum where you'll find unique and uncommon help! Remember the leaking roof at Terrance and Laurie's house? Although their attorney gave correct legal advice, it was not the best lending advice. In fact, they ended up needing to borrow from a relative to repair their leaky roof.

Ask Kate's Best Mortgage Advice Forum

Ask Kate's Best Mortgage Advice Forum: Empowering Homeowners

Terrance and Laurie didn't know whether to laugh or cry.

We've all experienced it! Everyone loves to give mortgage advice... friends, co-workers, relatives, neighbors, bosses and advisers.

Some advice is good, some advice is bad. Some will make you laugh and some will make you cry. So share your mortgage advice or ask a question. I want to hear from you!

Laugh, cry, and sympathize with these best mortgage advice stories and questions on the Mortgage Forum. Don't miss out on the questions and stories from other readers.

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Share the nitty gritty of your mortgage story or ask a question about your home loan. You never know! You may make someone's day at this help-and-be-helped mortgage forum!

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Look at these questions, comments, and Ask Kate answers. You can also ask a question or comment.

HARP Refi Denial: Can I Switch Lenders 
Ask Kate if the HARP refi program allows borrowers to switch lenders after a loan denial: Vanessa asks if she is restricted to using her current mortgage …

HAMP Loan Modification: Principal Forbearance vs Principal Forgiveness 
Ask Kate if HAMP loan modifications include principal forbearance or principal forgiveness: Raul and his wife negotiated a HAMP modification with a …

HARP Refi Program: Rates, Roofs, and 2nd Mortgages  
Ask Kate about the HARP refi program - rates, roofs, and 2nd mortgages: Margaret thinks she understands HARP refinance guidelines but wants the straight …

Appraised Values: PMI Cancellation and Home Buying 
Ask Kate about appraised value problems that arise during the PMI cancellation process and home buying: Thomas from Peabody, MA received information …

Loan Servicer Bungles Hardship Loan Modification 
Ask Kate when your loan servicer bungles your hardship loan modification process: Mel's bank is displaying outrageous behavior. The loan servicer has …

Mortgage Foreclosure Help - Steps to Save Your Home 
Ask Kate for mortgage foreclosure help: Fear of losing your home can be paralyzing. But without taking action, the threat of foreclosure only grows closer. …

Is HAFA Relocation Assistance Program Irresponsible 
Ask Kate if HAFA relocation payments are irresponsible: Sherri has a reasonable concern with Making Home Affordable's foreclosure alternative program. …

Help for Hardship Loan Modification Process 
Ask Kate about the hardship loan modification process: Johanna's lender is using blatant delay tactics to discourage her from modifying her mortgage. …

Deed in Lieu of Foreclosure - Mortgage Crisis Not Over 
Ask Kate what happens after a recent deed in lieu of foreclosure: The mortgage crisis is definitely not over in many parts of our country. Florida is …

Lender Paid Mortgage Insurance Halts HARP Refinance 
Ask Kate about lender paid mortgage insurance (LPMI) that was never paid to the MI company: Amy's situation is totally unfair! Although she has made …

Repercussions in Hardship Loan Modification Process 
Ask Kate about experiencing repercussions from the hardship loan modification process: Unintended and unwelcome consequences, the dread of repercussion …

Mortgage Modification Snags and Insults 
Ask Kate about mortgage modification snags and insults: After Susan worked with Wells Fargo for 9 months on her HAMP modification, the final offer was …

Refinancing an FHA Mortgage in Exchange for LPMI 
Ask Kate about refinancing an FHA mortgage in exchange for lender paid mortgage insurance (LPMI): Denise has been offered a refinance package with a …

Will Fannie Mae Allow True Mortgage Modifications 
Ask Kate if Fannie Mae will ever allow true mortgage loan modifications and reductions to principal balances for underwater homes: Meet Carrie. She is …

When Lenders Mortgage Insurance Is Clear as Mud 
Ask Kate when lender's mortgage insurance is clear as mud to you! Wouldn't you like to know the real truth about mortgage insurance premiums, decisions, …

How to Modify Your Mortgage 
Ask Kate how to modify your mortgage with less confusion: Pam is uncomfortable with the terms of her HAMP loan modification. Scott's income plummets …

HAMP Mortgage Modification and Alternatives 
Ask Kate about HAMP mortgage modification options and alternatives: Antonio is perplexed over the new guideline requiring delinquent payments for rental …

How to Refinance Underwater Mortgages 
Ask Kate how to refinance underwater mortgages with HARP 2, HAMP loan modification, FHA short refinance, and FHA streamline refinancing: Thousands of …

Mortgage Relief Military Hardship Resources 
Ask Kate about mortgage relief and military hardship resources: Homeowners in the military face unique hardships. But special resources are available …

HAMP Modification Refusal with 4 Major Hardships 
Ask Kate why my HAMP modification is refused in spite of 4 major hardships: Kate, I am not underwater, although my home has had a significant reduction …

HARP 2 Condo Financing Trouble 
Ask Kate about HARP 2.0 condo financing trouble: We are in the process of trying to refinance our condominium which is our primary residence, under the …

HAUP Mortgage Forbearance for Unemployed Homeowners 
Ask Kate about HAUP Mortgage Forbearance for Unemployed Homeowners - Making Home Affordable Unemployment Program: Taking the sting out of losing a job, …

Painlessly Pay Off a Mortgage 
How to painlessly pay off a mortgage - Announcing my new book, The Mortgage Freedom Project : As you will soon see, David in Tampa, Florida has resolved …

Ask Kate about FHA Mortgage Financing 
5 homeowners ask Kate about financing their homes with the FHA mortgage: Do sellers snub home buyers with FHA home loans? Does FHA streamline refinancing …

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HARP 2 Refinances and 2nd Mortgages 
Ask Kate about HARP 2.0 refinances and 2nd mortgages: Do you know about refinancing with HARP if you have a 2nd mortgage? Can you roll the two together …

Unapproved Mortgage Rate Lock Extension Fees 
Ask Kate how to avoid unapproved mortgage rate lock extension fees: Kate, today the private bank we are refinancing with sent me a new Good Faith Estimate …

Unique New HARP 2 Refinance Plan Questions 
Ask Kate receives unique and new HARP 2 refinance plan questions! Just when I thought I'd heard every question regarding HARP, I received these 3 questions. …

FHA Short Refinance Option 
Ask Kate about FHA short refinance option, HAMP loan modification, HAFA short sale and deed-in-lieu: Hi Kate, We had to take a subprime mortgage 5 years …

Mortgage Assumption after Mortgage Modification 
Ask Kate about mortgage assumption AFTER mortgage modification: Hi Kate, After a long process, I finally got a loan modification from my nationwide bank. …

Who Determines the Cost of PMI 
Ask Kate who determines the cost of PMI (Private Mortgage Insurance): Kate, happy to have found your site. I think we got ripped off on PMI. Our PMI …

Change in interest rate after locking 
Ask Kate about change in interest rate after locking (aka home appraisal value squashes mortgage rate lock agreement): Hi Kate, I locked in our mortgage …

Who Can Lock My Mortgage Interest Rate 
Ask Kate who can lock my mortgage interest rate: Hi Kate, Can the mortgage company lock my interest rate without my permission? I'm trying to refinance …

How to Reduce Mortgage Refinancing Costs 
Ask Kate how to reduce mortgage refinancing costs: Hi Kate, Your information on what's included in mortgage closing costs is great but my main question …

When Home Affordable Modification Program Says No 
Ask Kate when Home Affordable Modification Program says NO: Hello Kate - With my upside down mortgage, we are robbing Peter to pay Paul. I am 50% …

Compare Home Mortgage Interest Rates to Closing Costs 
Ask Kate how to compare home mortgage interest rates to closing costs: Hi Kate, Do you think it is better to get 4 percent with $2100 in closing or 4.5 …

Special Edition Making Home Affordable Options 
Ask Kate's Special Edition of Making Home Affordable (MHA) Program Overview: Designed to support the U.S. housing crisis, discover 13 options bringing …

The Bad Behavior of Making Home Affordable 
Ask Kate about the bad behavior of Making Home Affordable: Kate, I asked my lender for help with refinancing under Making Home Affordable and the HARP …

How To Refi Without The Glitch 
Ask Kate how to refi without the glitch: Hi Kate, Buying or refinancing a home is an avalanche of paperwork that keeps people running around jumping …

Is This Nationwide Mortgage Lender My Only HARP Refi Option 
Ask Kate, Is this nationwide mortgage lender my only HARP Refi Option? Hi Kate, I just went to my bank to talk over an option to refinance under the …

Mortgage And Foreclosure Relief For Distressed Homeowners 
Ask Kate about mortgage and foreclosure relief for distressed homeowners: Kate, I was doing some research about the HARP program as this has just come …

HAMP And The Negative Amortization Loan 
Ask Kate about HAMP and the negative amortization loan: Hi Kate. I do qualify for a HAMP loan which would ultimately reduce my current mortgage payment …

Buying A House After Bankruptcy 
Ask Kate about buying a house after bankruptcy and short sale: Hi Kate, Can I find someone to loan me money after I am discharged from a Chapter 7 bankruptcy …

Are 30 Year Fixed Mortgage Rates Negotiable 
Ask Kate: Are 30 Year Fixed Mortgage Rates Negotiable? Hi Kate, Am I in a position to negotiate down the quoted interest rate? I'll be raising my house …

Problems with Mortgage Underwriting Guidelines 
Ask Kate about Problems with Mortgage Underwriting Guidelines: Hi Kate, No exaggeration, I have been trying to refinance my existing mortgage with a …

Need Help Refinancing Investment Property 
I Need Help Refinancing An Investment Property: Hi Kate, I need help from anyone who can think of a way I can refinance my investment property without …

Can My Mortgage Interest Rate Be Locked Without My Consent 
Can my mortgage interest rate be locked without my consent? Hi Kate, My loan officer says he locked my interest rate because rates were rising. I only …

Mortgage Rate Lock Agreements 
Ask Kate about Mortgage Rate Lock Agreements, cancellation and expiration policies: Hi Kate, I have two questions for you about my mortgage rate lock …

Loan Modifications 
Ask Kate for help with mortgage loan modifications! Hi Kate, We've done the paperwork for loan modifications 3 times and keep getting denied. We are …

Getting Rid Of PMI 
Chris asks Kate about problems getting rid of PMI: Hi Kate, I did a terrible mistake by sending $40,000 to my lender to get rid of my private mortgage …

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Residential Construction Loan Interest Rate Lock 
Ask Kate about breaking a residential construction loan interest rate lock: Hi Kate, Am I stuck or can I break my interest rate lock? I locked my interest …

Real Estate Short Sale 
Ask Kate about real estate short sale: Kate, I have a conventional loan with PMI and my home is not worth what I paid for it in November 2004. I am a …

Break Mortgage Rate Lock Or Not 
Regarding to break a mortgage rate lock or not: Hi Kate, I'd like to say that to break a mortgage rate lock or for that matter, not breaking a lock is …

Switch Mortgage Rate Lock or Not 
Switch Mortgage Rate Lock or Not: Kate, we completed our mortgage rate lock late last week with our mortgage broker. We would not have been aware that …

Reverse Home Mortgage Helped Grandma 
How a reverse home mortgage helped Scott's Grandma: Scott writes to Ask Kate... Because of a reverse mortgage, my grandma enjoyed her later …

Best Mortgage Advice Concerning Foreclosure 
Regarding Andrea's best mortgage advice concerning foreclosure : Hi Kate, I would recommend for those of you that are in mortgage foreclosure to look …

Educate Yourself Best Mortgage Advice 
To educate yourself is the best mortgage advice My best mortgage advice is to educate yourself before signing on the dotted lines. When you decide to …

Refinancing Benefits 
Through the years and two different homes, I have refinanced three times. It is rather stressful, but not nearly as difficult to deal with as the original …

Fannie Mae Freddie Mac Bailout 
Regarding the Fannie Mae and Freddie Mac Bailout Should the Federal Government bailout Fannie Mae and Freddie Mac? I guess that they should, but unfortunately …

Request Refinancing Advice For Financial Trouble 
Ask Kate: Request Refinancing Advice For Financial Trouble Like a lot of American Families ours is in financial trouble. Savings are nill. My wife has …

Are You Ready To Refinance 
Here are easy steps to determine if you are ready for refinancing. As anyone who's read the paper or watched television in the last few months knows, the …

To Do Or Not To Do The Ultimate Refinance Question 
The economy is failing, your dollar doesn't stretch as far and things are maybe beyond reason. Something that may be in your mind is it worth it to refinance …

Well I was gonna refinance 
I used to think refinancing was great, when the economy was up and nobody was in fear of losing their jobs. At this point in time, I believe refinancing …

My Refinancing Advice 
My husband and I have refinanced in the past. Once we refinanced and added some existing debt into the mortgage which lowered our payments by a few hundred …

Mortgage Loan Approval Process: 4 Common Hot Buttons 
Ask Kate about the mortgage loan approval process: Whether you are refinancing, buying a home, or modifying a mortgage, you should know that lenders …

Mortgage Bank Charges $450 Processing Cancellation Fee 
Ask Kate about the mortgage bank that charges a $450 processing fee for cancelling a home loan application: Ben cancelled his 15 year mortgage application …

Understand Your Home Loan Documents: Knowing the Terms 
Ask Kate how to understand home loan documents with terms such as partial purchase money mortgage: Robert is trying to make sense of mortgage terms on …

How to Avoid Mortgage Refinance Runaround 
Ask Kate how to avoid the mortgage refinance runaround: Cathy has been trying to refinance her mortgage for almost 3 months. Even though she cooperates …

Mortgage Rate Lock Cancellation Junk Fee 
Ask Kate if a mortgage rate lock cancellation charge is a junk fee: William wants a VA home loan cash-out refinance. After locking in his interest rate, …

Reverse Mortgage Details: Early Pay-Off Consequences, Interest Rates, and Appraisal Disputes 
Reverse mortgage details for early pay-off consequences, interest rate pay-out options, and appraisal disputes: Bob is selling his home that's financed …

HARP Refi, HAMP Loan Modification, Short Sale, Oh My! 
Ask Kate for HARP refi, HAMP loan modification, and HAFA short sale help: Visitors to Ask Kate are the smartest! I so appreciate all of the questions. …

Home Loan Approval: American Dream or Nightmare 
Ask Kate about your home loan approval: When does the American dream turn into a nightmare? When your mortgage is called due and payable, in spite of …

Is Reverse Mortgage Possible After Refinancing  
Ask Kate if it is possible to get a reverse mortgage following a refinance of your home: Warren would like to proceed with a refinance to get a lower …

How to Find Your Best Mortgage Offer 
Ask Kate how to find your best mortgage offer: Jo, a struggling widow with health problems, needs an affordable alternative to the bank's refusal to …

FHA Loan Modification with Quitclaim Deed: Ironic Twist 
Ask Kate about getting an FHA mortgage loan modification after being granted a quitclaim deed to the property: I've heard from many irate borrowers regarding …

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Mortgage Refinance: Calculate Breakeven Points 
Ask Kate about mortgage refinance and how to calculate breakeven points: Many homeowners want to know if refinancing a mortgage is worthwhile. Sometimes …

FHA Loan Requirements: Can I Rent Out My Home 
Ask Kate about FHA owner occupancy requirements: Can I rent out my home? When Debbie bought a home, it was not disclosed that the neighbors' chain-smoking …

HAMP and HARP Options: VA Home Loans - Mobile Homes 
Ask Kate about HAMP and HARP refinance options for VA home loans and mobile home financing: Peggy is having a difficult time finding affordable financing …

Mortgage Approval Help for Self-Employed Borrowers 
Ask Kate about mortgage approval for self-employed borrowers: From sole proprietors to owners of corporations, self-employed borrowers are scrutinized …

Refinancing a House - Non-Owner vs Owner Occupied 
Ask Kate about refinancing a house and how to tell if it's non-owner occupied or owner occupied: Lender occupancy agreements are not to be taken lightly. …

How to Convince Your Bank to Modify Your Mortgage 
Ask Kate how to convince your bank to modify your current mortgage, even after you've lost hope: Did a loan denial dash your hopes for a mortgage modification? …

Hardest Hit Funds Principal Reduction Program 
Ask Kate about hardest hit funds and principal reduction program: Are you a struggling mortgage borrower with a loan servicer that doesn't seem to care …

How to Get an Escrow Refund from Your Loan Servicer 
Ask Kate how to squeeze your escrow refund out of the loan servicer and what to do if your lender doesn't know how to calculate your income: Linda's …

HAMP Loan Principal Reduction Repayment 
Ask Kate about repaying HAMP loan principal reductions: Principal reductions to the loan balance during the mortgage modification approval process help …

When Can My FHA MIP Be Cancelled 
Ask Kate how soon your FHA mortgage insurance premiums can be cancelled: When Debbie bought her home, she put down 10% and applied for FHA financing. …

HAMP Tier 2 Modifications on Rental Homes 
Ask Kate what to do when HAMP tier 2 modifications fail on rental properties: D.L.'s bank says the mortgage on their rental property isn't eligible for …

Qualifying for a Mortgage You Can Afford 
Ask Kate about qualifying for a mortgage and house you can afford: Listen to Jennifer's questions! We went through a foreclosure in 2008 with Chase and …

Best Mortgage Modification Strategies 
Ask Kate for mortgage modification strategies: Elaine is approved for HAMP but a free consultation with an attorney said to dump the house. Yet a banker …

Elusive Mortgage Rate Lock Guarantee 
Ask Kate about the elusive mortgage rate lock guarantee: You can bet your bottom-dollar as soon as interest rates begin to climb, lock-ins get dicey. …

Mortgage Rate Lock Agreement Fine Print 
Paula asks Kate about the fine print in a mortgage rate lock agreement: Would you use this lender? After locking in Paula's interest rate, she's notified …

Extra Mortgage Payments vs Lump Sum Payments 
Homeowners ask Kate about extra mortgage payments vs lump sum payments to pay off a mortgage early: I can't imagine who doesn't want to get out of debt. …

Is Paying Off My Mortgage Early a Smart Plan 
Ask Kate if paying off your mortgage early is a smart plan: Hello Kate, I have an under water mortgage, roughly $438,000 balance. The houses in my neighborhood …

HARP 3 Refi and FHA Loan Limits 
Ask Kate how my HARP 3 refi will be impacted by FHA loan limits: Hi Kate, a previous questioner asked you a specific question about the loan limit for …

Short Sale Foreclosure Alternatives  
Ask Kate for HAFA short sale foreclosure alternatives, deed in lieu, and deed for lease vs strategic default: Hi Kate, We need the best option. HELP! …

New HARP Refinance Answers 
Ask Kate for New HARP Refinance Answers: Hi Kate, I want to refinance my mortgage using HARP. My loan officer said that I qualified for an expanded approval …

HARP 2 Refinance Condo Mortgage Rates Closing Costs 
Ask Kate about HARP 2 refinance condo mortgage rates and closing costs: Hi Kate, My lender tells me they can do HARP 2 with me but the interest rate …

HARP 2 Homeowner Questions and Ask Kate Answers 
HARP 2 Homeowner Questions and Ask Kate Answers: Kate, I want to refinance my home without an appraisal, currently a conventional 30 year fixed at 6.375%. …

Who Can Make Monthly Payments on the Mortgage 
Lenders have to ask: Who can make monthly payments on the mortgage? Hello Kate, First off I want to thank you for taking the time to answer so many questions …

HARP II Refinance with PMI vs Strategic Default 
Ask Kate about HARP II Refinance with PMI vs Strategic Default: Kate, I've never been a day late on paying my mortgage, even when I had no health insurance, …

Underwater Refinance of 1st and 2nd Mortgage  
Ask Kate about an underwater refinance of 1st and 2nd mortgage with a bizarre twist: Kate, I purchased an investment property in 2003 for $60,000 cash. …

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Sly Mortgage Rate Lock Cancellation Fee 
Ask Kate about a sly mortgage rate lock cancellation fee: Hi Kate, We signed an interest rate lock and fee agreement with a well known bank. But the …

HARP 1st 2nd Mortgage Refinancing 
Ask Kate about HARP 1st and 2nd Mortgage Refinancing Problems (Making Home Affordable Refinance Program): Hi Kate, We just got up to the approval phase …

Who Broke The Mortgage Loan To Value Calculator 
Ask Kate who broke the mortgage loan to value calculator: Kate, I have a PMI question. I purchased my home in 2004. I have not been delinquent on any …

How To Figure Monthly House Payments To Pay Off Mortgage Early 
Ask Kate how to figure monthly house payments to pay off your mortgage early: Kate, How much more should I pay a month to pay my house off in 15 years …

Nightmare 401k Withdrawals For Home Buying 
Ask Kate about Nightmare 401k Withdrawals For Home Buying: Kate, My husband and I had a condo but wanted a house. We put the condo up for sale and found …

Mortgage Rate Lock Stall Tactics 
Ask Kate about Mortgage Rate Lock Stall Tactics: Kate, I was just reading a post about a very similar situation my husband and I are in -- I also believe …

Comparable Home Prices 
Comparable Home Prices and Refinancing: Hi Kate, I am thinking of dumping my bank. I am trying to refinance my mortgage through my bank on a 15 year …

Mortgage Problems 
Ask Kate about 1st and 2nd mortgage problems - Title Alert! Hi Kate, I have been working with a Major Bank to refinance my home loan using the HARP (Home …

Foreclosure Questions 
Ask Kate your foreclosure questions: Hi Kate, Will the bank call in my loan? When I bought the house I was making $50,000. I got laid off and now work …

YSP Issue 
Tom's experience a YSP Issue (Yield Spread Premium): I recently signed a contract on a condo, purchase price $65K. I put 30 percent down, with a credit …

Confusing Your House with an ATM Machine 
Confusing Your House with an ATM Machine : I was a financial advisor for many years and I watched clients and potential clients use their house like ATM …

Mortgage Lock-Ins 
Ask Kate - Deposits For Mortgage Lock-Ins: If I cancel my mortgage application, is the lender required to refund my lock-in fees? We locked our mortgage …

What Is Mortgage Insurance 
Ask Kate: What is mortgage insurance and does it protect me? Kate, I took out an FHA loan through a bank with the PMI included. I don't have to get the …

Mortgage Rate Lock Avoiding Hidden Fees 
Regarding mortgage rate lock and avoiding hidden fees: My wife and I went to closing this past Friday. We received a Good Faith Estimate for 4.5% and …

Second Mortgage Interest Rates 
Regarding second mortgage interest rates and fees: Kate, why are there so many fees on a 2nd mortgage loan? I don't understand why the interest rates …

Lock Interest Rate 
Regarding When To Lock Your Interest Rate: Kate, Should I lock my interest rate? My bank in Canada is suggesting a home mortgage that is a 5 in 1. I …

Mortgage Rate Locks 
Hi Kate! My mortgage professional says mortgage rate locks do not ensure that we will get the same rate as in our good faith estimate. Is this true? …

Mortgage Rate Refinancing Advice 
Regarding Mortgage Rate And Refinancing Advice: Note from Kate: I enjoyed this refinancing advice from a Reader but I need a little clarification with …

Refinancing Advice Look Carefully 
Ask Kate: Refinancing Advice Look Carefully Kate, Hopefully someone will benefit by my refinancing advice - I'm glad $8000 of closing costs caught my …

My Mortgage Rate Refinance 
Ask Kate: My Mortgage Rate Refinance Hi Kate, Here is why I did not wait for 5%. I chose to refinance my home because I felt that it was the ideal thing …

Mortgage Refinancing Advice 
Ask Kate: Mortgage Refinancing Advice Hi Kate, I would encourage anybody to refinance during this bleak time in our economy. I think now is an excellence …

Mortgage Rate Refinance Story 
Ask Kate: Mortgage Rate Refinance Story Kate, My story is about owning my house since 1996. I financed with a 30 year fixed rate mortgage. Back then …

15 Year Fixed Mortgage Rate Refinance 
Ask Kate: 15 Year Fixed Mortgage Rate Refinance Here is a helpful experience from a fellow homeowner's mortgage refinance. After you read it, follow …

Interest Rates and Mortgage Rate Refinancing Advice 
Ask Kate: Interest Rates and Mortgage Rate Refinancing Advice Kate, Here is my refinancing advice. Interest rates are very low at present which means …

Enjoying Mortgage Rate Refinance Benefits 
Ask Kate: Enjoying Mortgage Rate Refinance Benefits Kate, I needed a mortgage rate refinance. The effects of recession and trauma created in the financial …

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Mortgage Rate Refinance No PMI 
Ask Kate: Mortgage Rate Refinance But No PMI What would you do? Lower your mortgage rate 1.5 percent to 4.6 percent and pay PMI or walk away from the …

Home Mortgage Refinance Gets Appraisal Shock 
Ask Kate: Home Mortgage Refinance Gets Appraisal Shock Dear Kate, We recently refinanced our home that we have lived in for 2.5 years now. There were …

Best Mortgage Advice On Buying Points 
Regarding Best Mortgage Advice On Buying Points: Kate, what is your best advice on discount points? What is the purpose of points? Are they just a gimmick …

Ask Before Your Refinance 
Ask Kate: Ask Before Your Refinance Kate, My friend Denise and her husband Tim are about to refinance their home. They bought it three years ago at …

Ask Now or Pay Later Refinancing 
Ask Kate: Ask Now or Pay Later Refinancing Before refinancing your mortgage, think about questions to ask the lender. Don't be afraid! This is your home, …

Experienced Refinancing Advice 
Refinancing Advice from an experienced homeowner... Hi Kate, Having refinanced multiple properties over the last 25 years, there are many questions to …

Refinancing Advice For Friends 
Ask Kate: Refinancing Advice For Friends Here is Tammy's refinancing advice for a friend BEFORE she makes a commitment to a mortgage lender... …

Refinancing Advice Three Questions 
Refinancing Advice - Three Questions Hi Kate, Here are the three questions I suggest asking a lender before refinancing. They zero in on closing costs, …

Refinancing Advice Rate Not Most Important Factor 
Ask Kate: Refinancing Advice - The Rate Is Not The Most Important Factor If you are going to refinance the rate is not the MOST IMPORTANT factor. You …

Refinancing Advice Protect Yourself 
Ask Kate: Refinancing Advice To Protect Yourself So you are going to refinance your home, not a bad decision with the way today's mortgage rates are …

Upfront Mortgage Rate Lock Talk 
Regarding Upfront Mortgage Rate Lock Talk Note from Kate: I like this view regarding mortgage rate lock, that is having an upfront talk at mortgage …

Mortgage Rate Lock Ethics And Penalties 
Regarding mortgage rate lock ethics and penalties: Hi Kate, So, a homeowner locks in a mortgage rate lock with a broker just to find the rates plummeting …

Best Mortgage Advice Best Mortgage Rate 
Regarding Best Mortgage Advice For Best Mortgage Rate: Kate, I need to know the best mortgage advice regarding lowest interest rates? Daily mortgage …

Refinancing And Mortgage Rate Lock 
Regarding refinancing and mortgage rate lock Hi Kate. This is my opinion. In the case of breaking a mortgage rate lock while refinancing, even though …

Best Mortgage Advice Equity Loans 
Regarding Best Mortgage Advice About Equity Loans: One reader's best mortgage advice regarding 2nd mortgages and her downward spiral, financially and …

Refinancing Advice Ethical or Unethical 
Ask Kate: Refinancing Advice Ethical or Unethical Here is thought provoking refinance advice regarding a mortgage rate lock. Ethical Or Unethical - What …

Refinance Seemed Good Idea Refinancing Advice 
Ask Kate: Refinance Seemed Good Idea Refinancing Advice Refinancing seemed like a good idea! Here is my refinancing advice. When my husband and I first …

Best Mortgage Advice Skating A Fine Line 
My best mortgage advice is like skating a fine line... It is hard to say whether or not it would be unethical to switch lenders while refinancing …

Proactive Homeowner With Refinancing Advice 
Ask Kate: Proactive Homeowner With Refinancing Advice Here's another homeowner success story with proactive refinancing advice. afterward, you'll find …

Lowest Mortgage Rate Lock  
Regarding the lowest mortgage rate lock Hi Kate, If my mortgage broker got me an interest rate and then I found out that I could get a better mortgage …

Refinancing Advice Home Equity Loan 
Ask Kate: Refinancing Advice Home Equity Loan This refinancing advice from a financial adviser provided a homeowner with a solution to pay off her mortgage …

Mortgage Pre Approval Not Prequalification 
Regarding Mortgage Pre Approval Not Prequalification: Want to jump to the front of the mortgage line? Get there with mortgage pre approval. Don't bother …

Hope Is Best Mortgage Advice 
Regarding Hope Is The Best Mortgage Advice: This best mortgage advice of perseverance during personal adversity is an account by one reader who keeps …

Refinancing Advice During Bankruptcy 
Ask Kate: Refinancing Advice During Bankruptcy I decided to publish this story, even though on first glance I did not think it related to mortgage refinancing …

Refinancing Advice For Financial Crisis 
Ask Kate Refinancing Advice For Financial Crisis: Here is my refinancing advice for the material sale that is kept in banks. I wanted some cash for meeting …

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Save Money Refinancing 
Ask Kate: Save Money Refinancing Kate, This is about how we saved $9,000 refinancing without really trying. We refinanced our home several years ago. …

Mortgage Advice The Borrower Knows Best 
Mortgage Advice -- The Borrower Knows Best I feel the person borrowing money is the best judge about mortgage. You can take advice from friends, relatives, …

Best Mortgage Advice Do Your Homework 
Best Mortgage Advice - Do Your Homework The best mortgage advice is CHECK YOUR CREDIT REPORT FIRST!!!! First-time buyers seeking to mortgage their first …

Mortgage Advice Worth Every Penny 
Regarding Mortgage Advice Worth Every Penny "If you don't buy this house, you will have to continue living with your dad, maybe for the rest of your …

Best Mortgage Advice Be Cautious  
My best mortgage advice is to do your own homework and remember, it is real money and not just figures on a sheet of paper. We were recently looking …

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