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Discover The Magic Of Buying A House
Choose A Real Estate Agent

The most important decision when buying a house is to pick a top rated real estate agent.

How To Buy A House - Decision One

Save yourself a lot of heartache and headache. When shopping for a home, the most important decision you must make is picking a qualified real estate agent.

Ask Kate for advice about buying a home now.

A top rated real estate agent does so many things during a real estate transaction. If they are really great, you might not realize all the issues they've addressed because it's their job to troubleshoot problems before they happen.

A great real estate professional is the hero in every transaction.

So, select a top rated real estate agent you feel comfortable with because you'll be spending a lot of time together as you learn how to buy a house.

How To Buy A House - Decision Two

Realtor | Lender |Inspector | Appraiser | Title | Insurance
Escrow | Home Buying Scorecard | Fixer Upper Houses
First Time Home Buyer Credit | Private Money Lenders
Low Down Payment Mortgage | Buying A Foreclosed Home
Residential Construction Loans | Private Mortgage Financing

What is the second step to take before buying a home? Choosing a qualified mortgage lender. You can save yourself time, money and stress by visiting Decision Two - Meet Your Lender.

Kate of Best Mortgage Rate

Ask Kate - Get Answers To Buying A House

Your questions about buying a house are normal. Stop wondering! Start getting dependable answers now!

From real estate agents to mortgage pre approval... From first time home buyer programs to real estate investing... EVERY question is a great question. Have you seen these questions with answers from Kate?

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Have Some Fun! View Questions, Comments And Answers

Enjoy the following questions and comments from other readers as well as my answers. You can also have some fun. Add a comment and rate them too!

Renting Versus Buying A Home  starstarstarstarstar
What are tax advantages of buying a rental property and renting it to my daughter versus privately financing a mortgage for my daughter on this house instead?...

Buying A House And Locking Interest Rates  starstarstarstarstar
Recently we were buying a house . About a month ago, we met with our mortgage broker and had the opportunity to lock our interest rate at 4.875 percent ...

Buying A House The American Dream  starstarstarstarstar
Buying a house , your very own house, is the American Dream. Yes, the housing market is really in the toilet right now. But - you always need a place ...

Buying A House Without Income  Not rated yet
Regarding buying a house without income: Okay, I actually have several questions, but first I need to explain my situation. I come from a fairly well-...

Buying A House With Water Test Requirement  Not rated yet
Regarding buying a house with water test requirement: Last minute request for water test, after closing was scheduled. Now being postponed again. We ...

Mortgage Loan Pre Approval  Not rated yet
Regarding mortgage loan pre approval: Hi Kate, I am a confused buyer in the middle of a short sale which has been dragging since April. Now my Realtor ...

Private Mortgage Financing Questions  Not rated yet
Private mortgage financing questions: Dear Kate, My partner and I are looking into purchasing a home in nearby Maryland, with private financing from ...

Self Employed Mortgage  Not rated yet
Regarding a self employed mortgage , I have a question about self employed vs being an employee of a corporation that you own. In applying for a mortgage ...

First Time Home Buyer Tips  Not rated yet
First time home buyer tips: My wife and I live in San Jose, CA. My wife had bought a home before our marriage and now price of the home is down by more ...

Home Appraisal Tips  Not rated yet
Home appraisal tips: We are building a house, and in fact were supposed to close on the house last Friday. We got a call from the Mortgage broker saying ...

Mortgage Interest Deductions  Not rated yet
Who gets the mortgage interest deductions? We just bought our first house and our parents are our private mortgage financing. We put down a 20% down ...

Building A House  Not rated yet
Hi Kate, I am interested in building a house but prefer to keep my current home too. It has no mortgage and the market value is around $60,000.00. I ...

Buying A Home In Foreclosure  Not rated yet
Hello Kate, I am interested in buying a home in foreclosure . The purchase would be a second home in another state for an investment and vacation home....

Define Mortgage Approval  Not rated yet
Can you please define mortgage approval ? I was all set to close on a deal of a house but to my surprise I was denied because there were not enough comparable ...

A Down Payment Dilemma  Not rated yet
Dear Kate, I am a home buyer with a down payment dilemma . I have an exceptional 800 credit score with a long history of excellent credit, no credit card ...

Mortgage For Rural Property on 38 Acres  Not rated yet
I need a mortgage for rural property on 38 acres . In fact, I have a property purchase agreement for a house in my Father's estate with a $40,000 equity ...

Finding A Way To Buy A Home  Not rated yet
I need to buy a home . I have recently separated from my husband. While we were together, I was a stay at home mother for four years. I am now having ...

Checklist For Buying A Home And Refinancing  Not rated yet
I am looking for a checklist for buying a home and refinancing . What paper work would I need to get started for a home mortgage? Signed, Planning Ahead
...

Buying A House And Private Mortgage Insurance  Not rated yet
Last time buying a house , I took a 100% mortgage loan with a major mortgage lender. Because I did not have a downpayment, I had to pay for PMI.

edit:...

First Time Home Buyer Mortgage Advice  Not rated yet
Hi Kate, I have some first time home buyer mortgage advice . I started to think about the first house we bought and how was I really going to afford it ...

Buying A House From Family  Not rated yet
Buying a house at lower than market sales price: Hi Kate, Will it be difficult for my niece to get a mortgage if I sell her the family homestead for ...

Buying A House On Acreage  Not rated yet
Hi Kate, If I want to purchase a home with 16 acres included, how is mortgage criteria different from just buying a house on a one-half to three acre ...

Buying A House Without Coborrower  Not rated yet
Dear Kate, I am buying a house and am a first time home buyer at the age of 27. I have been at my full time job now for 4 years. Prior to this job though ...

Buying A House With Family  Not rated yet
My husband and I are interested in buying a house with his grandparents. The home has a large garage with a second bedroom in an upstairs apartment they ...

Ask Kate About Buying A House  Not rated yet
Buying a house but well-meaning friends making it harder than it has to be? Here's the solution... In 2004 I sold a house in a suburb of a large metropolis ...

Buying A House Fact Or Opinion  Not rated yet
Question for Kate: I am contemplating buying a house . Is purchasing a 2 bedroom townhouse in North Carolina a smart idea? I was told that 2 bedrooms ...

Staying Put Not Buying A House  Not rated yet
Here's why this reader is staying put and NOT buying a house right now. See if you relate to her experience... I live in an old house, in a transitional ...

Home Buyer Inspection Good Idea  Not rated yet
A home buyer inspection is definitely not throwing away money in most cases. When you are buying an older home that obviously needs repairs, it gives ...

Buying A House Feeling Strung Along  Not rated yet
Just recently, my wife and I went on a bit of journey purchasing our second home. Much like everyone else buying a house , we searched and searched for ...

Test Drive With Home Buyer Inspection  Not rated yet
Having recently purchased an old home, an 1840’s Victorian, I can promise that a pre-purchase home buyer inspection is worth every penny. Having someone ...

Home Inspector Worth Weight In Gold  Not rated yet
When you first realize how expensive the home buyer inspection is, the temptation comes to forego hiring a home inspector . I know we almost made this ...

Home Buyer Inspection  Not rated yet
Having a home buyer inspection is a very intelligent thing to do when buying a house. Since a home is a large investment, often using a large chunk of ...

Pre Approval For Buying A House  Not rated yet
I am looking into buying a house . I'm a 48 year male on disability. I receive $1850 monthly from SSI. My wife works and earns about $9000 a year. My ...

Buying A House In Tough Economic Times  Not rated yet
I wouldn't let hard times deter me from buying a house . There will always be something in our circumstances that is less than ideal. If we wait for the ...

Unbiased Home Buyer Inspection  Not rated yet
A home buyer inspection can be very beneficial. Obtaining a paid professional’s opinion on an existing home can give a buyer that warm-fuzzy feeling ...

Buying A House Right Now  Not rated yet
Buying a house right now is what we like to do. My husband and I own a small 2 bedroom, 1 bath home. We have run out of room because this house has only ...

Economic Uncertainy Equals No More Mortgage  Not rated yet
See why this home owner prefers to forgo buying a house... Kate, I currently own my home mortgage free. Before the economic crisis, my wife and I ...

Buying A House Selling Your House  Not rated yet
I have a question about buying a house and especially about selling one. I recently got married to a man who already owns a house. The house doesn't ...

Buying A House for Rental Units  Not rated yet
Are mortgage rates higher if I'm buying a house that's not intended to be a personal residence? I'm considering purchasing a condo as a rental investment....

Buying a House Selling a House Choosing a Real Estate Agent  Not rated yet
Buying a house, selling a house and choosing the right real estate agent... When we sold our home in Tennessee two years ago, we had no doubt who we would ...

Mortgage Co-signers For Buying A House  Not rated yet
I am currently looking into buying a house . I am single and have spoken with a friend about co-signing the mortgage with me. He will not live in the ...

How to Pick a Real Estate Agent When Buying a House  Not rated yet
I found a good way to choose a real estate agent when buying a house. I have worked with numerous real estate agents over the course of my adult life,...

Best Mortgage Advice How I Picked A Realtor  Not rated yet
My best mortgage advice for home owners selling a home... I know quite a few Real Estate Agents -- but I was also well aware that a person's success and ...

Real Estate Agent Referrals When Buying a House  Not rated yet
When I was buying a house ...I chose my real estate agent by getting referrals from my friends. I asked them how the person worked out for them and if ...

Valuable Resources For Buying A House

Home Buying Scorecard
Print your HUD Home Buying Scorecard

Buying A House - Realtor
Use a top rated real estate agent

How To Get A Mortgage - Inspector
Meet your home inspector

How To Get A Mortgage - Appraiser
Meet your real estate appraiser

How To Get A Home Loan - Title
Meet your title insurance companies

How To Get A Home Loan - Insurance
Meet Your homeowners insurance agent

Celebrate The Grand Finale - Escrow
Meet your escrow and HUD 1 statement

Fixer Upper Houses
Toilets determine the age of a house and other tips

Private Money Lenders
Rural properties need special consideration

Low Down Payment Mortgage
The dilemma of a low down payment

Buying A Foreclosed Home
Start your wealth building now

How To Buy A House Search 5
Find articles on home buying

How Much Mortgage Can I Afford
Determine what you can afford in a mortgage

Mortgage Pre Approval For Smooth Home Buying
Lower your stress using mortgage pre approval

Personal Mortgage Planner
Line up your ducks with my mortgage checklist

How To Choose A Lender
How to ask a mortgage lender questions

Compare Mortgage Rates
How to find a lender online

HOME TO Get Your Best Mortgage Rate
Keys to unlocking the hidden code of mortgage financing


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