Best Mortgage Rates and Refinancing
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Welcome to the Best Mortgage Rates And Refinancing questions and answer collection by Ask Kate.
I'm Kate Ford author and publisher of this mortgage website. I will be your guide.
Discover answers to refinancing questions followed by refinance stories and advice as told by other homeowners. Lastly near the bottom of this page are helpful sources of even more tips by Ask Kate!
Note: Mortgage Loan Modification and Reverse Mortgage Q and A's have moved! Find them at Mortgage Loan Modification Help and Reverse Mortgage Information.
Your Questions - Best Mortgage Rates And Refinancing
Pay Off Your House - I refinanced about 20 years ago so it was like starting over! But I really want to be debt free.
Cash Out Mortgage Refinancing - I have asked to cash out 25,000 dollars. The question asking why I want the money seems particularly offensive.
Refinancing Interest Only Mortgage - Since we are working over the phone should the broker provide us something in writing first? What should we expect?
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?
What is home equity? Can I use it to consolidate debts?
More Questions - Best Mortgage Rates And Refinancing
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?
More Questions - Best Mortgage Rates And Refinancing
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?
More Questions - Best Mortgage Rates And Refinancing
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?
More Questions - Best Mortgage Rates And 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?
More Questions - Best Mortgage Rates And Refinancing
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?
More Questions - Best Mortgage Rates And Refinancing
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.
More Questions - Best Mortgage Rates And Refinancing
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 - Best Mortgage Rates And 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.
More Questions - Best Mortgage Rates And Refinancing
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.
More Questions - Best Mortgage Rates And Refinancing
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?
More Questions - Best Mortgage Rates And Refinancing
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?
Reader Advice - Best Mortgage Rates And Refinancing
Refinancing Advice For Financial Trouble - All these taxpayer dollars and none of it helps us.
Ask Before Your Refinance - By changing from an interest only mortgage to a fixed rate mortgage, how much more would they be paying per month, and overall, in interest rates.
Mortgage Refinancing Advice - I would encourage anybody to refinance during this bleak time in our economy.
Reader Advice - Best Mortgage Rates And Refinancing
Refinancing Advice Look Carefully - Make sure you know exactly what you are getting before you sign that dotted line.
My Mortgage Rate Refinance - Mortgage rates were a lot higher then the media reported which is why I expected my mortgage rate refinance to drop more.
Enjoying Mortgage Rate Refinance Benefits - The recession and trauma created in the financial industry created a tough time for me to refinance.
Reader Advice - Best Mortgage Rates And Refinancing
Interest Rates and Mortgage Rate Refinancing Advice - Check your penalties and fees, check your rates and try to get a low fixed rate mortgage.
Home Mortgage Refinance Gets Appraisal Shock - We were only shocked when we were told the new value of our home.
3 Important Refinance Questions - There are lots of charlatans who masquerade as benevolent lenders.
Reader Advice - Best Mortgage Rates And Refinancing
Ask Now or Pay Later Refinancing - Find out if your lender has options other than refinancing your mortgage.
Three Refinancing Questions For Friends - Three questions I would recommend my friend ask when refinancing...
The Ultimate Refinance Question - To do or not to do, your dollar doesn't stretch as far and things are maybe beyond reason.
Reader Advice - Best Mortgage Rates And Refinancing
My Refinancing Advice - If you are adding debt into a refinanced mortgage every year, you could be in for a lot of trouble.
Refinancing Benefits - I do not wish to refinance again but it did help me out of tight situations in the past.
Are You Ready To Refinance - First, figure out what you can truly afford.
Reader Advice - Best Mortgage Rates And Refinancing
Save Money Refinancing - We paid our home off before we reached the age of 50 and it felt so very good.
Refinancing Advice For Financial Crisis - I met the person in the bank to sell the jewels.
Refinancing Advice-Home Equity Loan - Refinancing advice from a financial adviser provided me with a solution to pay off my mortgage faster.
Refinancing Advice From Successful Homeowner - By refinancing, I reduced my total monthly pay-out by $600.00 a month.
Proactive Homeowner With Refinancing Advice - While the payments are now much higher per month than the low introductory payment amounts were, we are locked in at a good interest rate for the next 30 years.
Reader Advice - Best Mortgage Rates And Refinancing
Refinance Seemed Good Idea-Refinancing Advice - With the housing market like it is, we are almost 15,000 upside down and unable to sell.
Refinancing Advice-Protect Yourself - See if you can consolidate outstanding debt.
Refinancing Advice - Rate is not always the most important factor.
Reader Advice - Best Mortgage Rates And Refinancing
Three Questions To Ask - Rate and fees, monthly payment, and are there penalties for early payoff?
Refinancing Advice For Friends - If your lender refuses to stand behind its estimate, go elsewhere.
Experienced Refinancing Advice - Without a thorough understanding of the costs of the loan, you can't compare one lender to another accurately.
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Ask Kate For Refinancing Advice
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Finding The Help You Need For Refinancing
Refinancing Advice - Your opportunity to get down to earth refinance nuts and bolts from a mortgage insider.
Announcing Kate's Mortgage Information Planner - To save money, get your ducks in a row first.
Are you a homeowner trying to decide if Mortgage Refi is worth the cost?
How To Compare Mortgages - Interest rate, loan amounts, closing costs, cash out, length of term, monthly payments, yes it is enough to make anyone want to toss up their hands.
Real Estate Investor Loans - Three options for investors sandwiched between negative cash flow and plummeting real estate values.
Surprise, it's a barn! Is a Certificate Of Occupancy necessary for your home mortgage refinance?
Refinance With Cash Out - Where is my loan approval?
Save Money Using My Special Refinance Formula "I am a great believer in luck, and I find the harder I work that the more of it I have." --Stephen Leacock
Fresh Refinance Ideas - There are reasons why and why not to refinance promoted by the media, mortgage lenders and financial gurus. The fact is, only you can decide.
What can you do when Refinancing With Bad Credit threatens to derail your dreams?
You don't know it yet but the secrets I am about to share with you have never been explained anywhere else. Secrets To Refinancing
Low Mortgage Payments For Home Owners - Before you decide on a company, learn how to ask questions and qualify your lender.
Don't be distracted by refinancing lingo. You just need my 10 best kept secrets to Low Mortgage Payments.
Ask Kate About Refinancing - Ask a question to get an answer from Kate.
Refi Ask and Answers - A collection of refinancing questions, each with a individual answer from Kate
Finally! The PMI Answers You Need
What Is PMI - Could private mortgage insurance be your solution to equity and down payment problems?
You might not know this but you could be entitled to a mortgage insurance refund from FHA.
How do lenders calculate PMI? Credit history, amount of down payment or equity, occupancy status, and loan type contribute to calculations.
How Do I Cancel PMI Will refinancing or a new appraisal be required?
What to do if PMI Decision Making is getting in the way of refinancing or buying a house.
Ask Kate About PMI - Ask a question about PMI and get an answer from Kate.
My name is Kate and I will be your guide - PMI Questions and Answers
You Can Own My Brain
Lock Answers by Kate - Learn the nitty gritty inside story of locking your mortgage rate.
Refinance Answers by Kate - Refinancing brings out opinions, for sure! Get the facts here.
Answers by Kate For Seniors - Reverse Mortgage, the unique income answer for retirees.
Home Buying Answers by Kate - Learn how to buy a house. Unusual facts to aid your home buying experience.
Credit Answers by Kate - Improving credit could change your life. Find how to get more than temporary results.
FHA and VA Answers by Kate - Clear the fog. The low down on VA and FHA loan requirements.
PMI Answers by Kate - Private mortgage insurance, friend or foe? Do you know how to get rid of it?
ARM Answers by Kate - Do you have an adjustable rate home mortgage? You can ask Kate for help.
Loan Modification Answers by Kate - Unique help for modifying your mortgage. Make sure you don't miss this.
Website Answers by Kate - Yes... Readers even ask Kate how to build a website.