Best Mortgage Rates for Refinancing
Ask Kate Question and Answer Center

Welcome to the Best Mortgage Rates for Refinancing Q and A Center, brought to you by Ask Kate, an industry insider with a unique perspective on the home loan process, acquired during more than 20 years in mortgage lending.

My name is Kate Ford. I'm author and publisher of this website. I will be your guide to getting the best mortgage rates at the least cost for refinancing your home loan.

Start by browsing my helpful answers to an extensive collection of refinancing questions. Near the bottom of this page are even more tips from Ask Kate! Okay, let's begin!

Notice that something is missing? Go here for Loan Modification Help and Reverse Mortgage Information. (I relocated them due to the length of this page.)

Readers Ask Kate about Best Mortgage Rates for Refinancing

Certificate Of Occupancy
 - I am scheduled to close on my house on Friday and need to locate the certificate of occupancy.

How To Pay Off A Mortgage Early - Kate, Thank you for this wonderful website. We are trying to get out of debt before we retire. Should we refinance?

Additional Ask Kate Refinance Help

Hold on! For the most recent Ask Kate answers, go to Refinancing Help II

IRS And Refinance Trouble - Hi Kate, My husband and I are refinancing our 30 year fixed mortgage. Should I just forget kiss this refinance goodbye?

Cash Out Mortgage Refinancing- I have asked to cash out 25,000 dollars. The question asking why I want the money seems particularly offensive.

How To Calculate Your Debt To Income Ratio - Just as a physician who treats himself has a fool for a doctor, I'd like to remind you that debt ratio calculations are guidelines, not rules.

Finding Best Mortgage Deals - Is $7600 yield spread premium too much to pay?

Cash Out Mortgage Refinancing - How soon can a homeowner refinance after buying a house?

Can mortgage coborrowers force homeowners to refinance or sell a house?

Kim from Norwalk laments refinance confusion - I had no intention to increase my mortgage balance by $11,000!

Catherine's question can be found at I need help knowing how to compare mortgages

Mortgage Refinancing Questions - How do we get our money back from the bank?

Mortgage Coborrower - How do I add my wife as a mortgage co-borrower and will it affect my monthly payments?

Is there any such thing as no cost mortgage refinancing

What is the cost of refinancing - How do I know if the cost of refinancing is worthwhile?

Family trust and mortgage Refinance - I am having trouble finding a lender who will give us a loan without changing the house over to our name.

What's up with appraisal fees - How can I be prepared to get the best deal?

Mortgage refinancing after a break up - PLEASE Kate I'm in despair.

Debt Consolidation And Mortgage Refinancing Questions - Is consolidating is even a good idea?

Mortgage Refinance Help - Do I have to pay this $119.74 that was overlooked at closing?

More Questions at Best Mortgage Rates for Refinancing

Refinance And Choice of Closing Attorney - I thought I was able to choose my closing agent.

Home Refinancing Questions - Who To Trust?

Paying Mortgage Prepayment Penalty To Refinance - Would it make sense to try to break my mortgage and pay the penalty?

Refinancing To A Fixed Mortgage Rate - Am I stuck with an adjustable mortgage rate loan or can I actually get a fixed mortgage rate loan?

Alternative Mortgage Financing - Can I still count that as a home mortgage for my tax interest deductions and my parsonage expense?

Home Refinancing Tips - Please help, getting older every day.

Refinancing Rental Properties - Do you know of any options to get out of this upside down loan?

Refinancing My Mortgage - What lines should I scrutinize on the new loan documents?

Certificate Of Occupancy Permit Question - Can I refinance without a certificate of occupancy permit?

Refinancing Problems After Closing - I'm not usually asked about refinancing problems after closing.

How Much Mortgage Can You Afford - My good friend needs $155,000 mortgage for a divorce settlement.

Refinancing A Mortgage Rate - Should I refinance to go from 6.3% down to a 5% interest rate.

Mortgage Refinance And Rates - Our appraisal came back at $245,000 so we were not able to move forward with the refinance.

Refinancing Advice Needed To Pay Off A House - If I can find a credit card offering 3.9 percent, I'd be interested to to use it to pay off my mortgage.

Mortgage Rates And Refinancing - It is very cavalier of the loan officer to say it is only $50 but for many parents that is a lot of money each month.

Refinancing Advice For Low Mortgage Payments - Can you tell me how to find a good dependable mortgage company, one that will have my best interest?

Need Refinancing Advice To Avoid Foreclosure - But it doesn't pay enough to pay the mortgage, child support and the rest of the bills.

More Questions at Best Mortgage Rates for Refinancing

Refinancing Advice-Documentary Stamp Tax - Florida is asking me to pay some sort of tax that was not paid by the refinance company back then.

Refinancing Advice For House Values - I'm afraid we won't get a loan at all because my house value has dropped so severely.

Getting Ready To Refinance - I think the last time we refinanced we were probably taken advantage in more ways than one.

Refinance Decision Require Savings - If they had that much money in the bank they would not have to refinance.

Confused In Need of Refinancing Advice - Never thought I would get divorced but now that I am and I own the home I am worried about everything.

Seeking Refinancing Advice - If you think the mortgage company is charging extra payments what can you do and how to prove it.

Homeowner Considers Refinancing - Would I be wasting my time trying to refinance to save my house and not get further behind?

Refinancing Advice Why Rates Change Before Closing - The amount of money I needed to pay at closing changed.

Confused In Need of Refinancing Advice - I do not understand which is points, PMI, type of ARM etc.

When Is It Smart To Refinance A Home Mortgage - Is one percent difference enough of a savings to refinance?

Mortgage Refinancing Advice - Although I currently have a mortgage with a reputable nationwide loan company, can I and should I shop around?

How To Refinance and Break Even - How much should I pay in closing fees? Should these fees be rolled into the new loan?

Refinance Frustrations - Is there any way to get banks to lower fees and still keep their rates low?

Contact Kate To Know If Refinancing Is Worth the Cost - Are the added closing costs worth it?

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