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. Don't try to go it alone. Take a few moments to learn how to save yourself heartache and headache by asking Kate how to choose a qualified Realtor.

How to Buy a House - Decision One

A top-rated real estate agent does so many things during a home buying transaction.

 Discover the Magic of Buying a House

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.

In fact, a great real estate professional becomes the hero in every home buying transaction.

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

Okay, what is the second step to take before buying a house?

How to Buy a House - Decision Two

Ask Kate at Get-Your-Best-Mortgage-Rate.com

The next step for home buyers is choosing a qualified mortgage lender!

You can save yourself time, money and stress by visiting Decision Two - Meet Your Lender.

Or if you have a question, you can go ahead and Ask Kate how to buy a house now.

Ask Kate about Buying a House

Your questions about buying a house are normal. But now you can stop wondering and start getting dependable answers.

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 and Ask Kate answers?

[ ? ]

A little about you...

(City and State)

You're almost done...

 submission guidelines.


You'll be able to edit your question on the next page.

More help! Look at these questions, comments, and Ask Kate answers.

Enjoy the following questions and comments from other readers as well as my answers. Remember, you can ask a question or comment too!

Losing Mortgage Loan Approval: Seller Bailout Trouble 
Ask Kate about mortgage loan approval in regards to seller bailout, non-arm's length transaction, and due on sale clause: Meg sailed through pre-approval …

Construction Home Loans and Rent-to-Own Fixer Upper Houses 
Ask Kate about construction home loans and rent-to-own fixer upper houses: When home buyers and sellers enter into rent-to-own contracts, they set the …

Buying Pre-Foreclosure Fixer Upper Houses 
Ask Kate about buying pre-foreclosure fixer upper houses: Jean's home is in pre-foreclosure and her daughter wants to buy it. But will this non-arm's …

Questioning Private Mortgage Insurance Calculations 
Ask Kate if you're questioning your lender's private mortgage insurance calculations: Steve wants to know how banks calculate mortgage insurance (also …

Switch Lenders After Mortgage Rate Lock Expires 
Hi Kate, What happens if I let a rate lock expire and go to a different bank? I am a first time home buyer and feel like the bank I'm working with has …

Can Fannie Mae Force HomePath on Home Buyers 
Ask Kate if Fannie Mae can force HomePath financing on home buyers and more home buying questions: Marcy and her husband have a contract on a HomePath …

Qualifying for a Home Mortgage Without Losing Sleep 
Ask Kate about qualifying for a home mortgage without losing sleep: One of the most stressful situations in life, the anticipation of the mortgage process …

Ask Kate about First Time Home Buyers Programs 
Ask Kate about First Time Home Buyer's Programs: Three home buyers look for answers as they prepare for homeownership. 1) Kiersten wants to know about …

Home Buyer Beware of Un-Affordable Home Loans 
Ask Kate what to do about un-affordable home loans: Home buyer beware! Debbie's frustrations are building with the real estate process. Their home buying …

Non Arms Length Transaction Home Loan Help 
Ask Kate for non arm's length transaction home loan help: Hi Kate, My father in law has a house in upstate New York. He's selling for 70k and owes …

Why Buying a First Home Feels Difficult 
Ask Kate why buying a first home feels difficult: Hi Kate, I'm a first time home buyer, excellent credit, 20 percent down- this SHOULD be easy but it …

VA Loan Guidelines for Selling A House 
Ask Kate about VA Loan Guidelines for Selling A House: Kate, We are charged with selling my late father's home. A neighbor of the home for sale wants …

Fannie Mae HomePath Financing 
Ask Kate about Fannie Mae HomePath Financing and debt calculations: Hi Kate, Is it true that HomePath financing allows you to purchase sole and separate …

Renting vs Buying a Home 
Marquita asks Kate about renting vs buying a home and Hill has questions about his large down payment. (Find Hill's question in the comment section below.) …

How Much Is PMI For FHA Loans 
Ask Kate how much is PMI for FHA loans: Hello Kate, I was wondering if different FHA mortgage lenders charge different PMI rates. Or do they determine …

Unraveling Real Estate Investor Loans 
Unraveling Real Estate Investor Loans: Kate, My sister and I are inheriting my mom's house and I plan to buy my sister out at about $125,000. The house …

Home Mortgage Help 
Ask Kate for Home Mortgage Help: Hi Kate, I received approval on a mortgage loan, along with loan number. The bank called this morning and advised we …

PMI And Home Appraisal Value 
Ask Kate About PMI And Home Appraisal Value: Hello Kate, Do I still need to pay PMI? I'm buying a house for $270,000 with 5 percent down. But the house …

Interest Rate Lock In 
Ask Kate about your Interest Rate Lock In Agreement: Hi Kate, My partner and I are buying our first home. We are going through through a credit union. …

Buying A Bank Foreclosure 
Ask Kate about buying a bank foreclosure and PMI approval: Hi Kate, My fiance and I just recently put in an offer on a foreclosure house. It has been …

Should I Buy A Home 
Hi Kate, Should I buy a home without significant income? My husband and I are hoping to be able to relocate soon. We both have good credit. Our concern …

HomePath Financing 
Regarding HomePath Financing, Federal Income Tax Credit, and FHA Home Loans: At the ripe age of 43, I embarked on a journey to improve my job station …

HomePath Or FHA  
Ask Kate: HomePath Financing or FHA Home Loans - Which mortgage program is best for buying a house? Hi Kate, My wife and I are considering buying a home. …

Construction Loan Information 
Ask Kate: Construction Loan Information - What are the pros and cons? Hi Kate, Thank you for your valuable service to people like me, who have no knowledge …

Click here to ask Kate about your mortgage.

Yield Spread Premium YSP 
Ask Kate: Yield Spread Premium (YSP) - Why doesn't my mortgage broker give me a simple answer about interest rates and closing costs? Hello Kate, I'll …

Mortgage Rate Locks Delayed 
Regarding Mortgage rate locks delayed: Hi Kate, I have a contract on a home due to close September 30th. I am doing a USDA rural development loan. I …

Construction Loan Information 
Regarding construction loan information: Hi Kate, If you receive a construction loan and have several obstacles that you are facing when the loan matures …

Homeowners Protection Act of 1998 
Regarding the Homeowner's Protection Act of 1998: Hi Kate! I have been making additional mortgage payments to reduce my principal balance. Scheduled …

Unlocking Mortgage Rate Locks 
Regarding unlocking mortgage rate locks: I locked a rate last month at 5.5 percent and my credit score is 775. I see rates are now 5.0 percent. I have …

Buying A House Without Income 
Ask Kate about buying a house without income: Okay Kate, I actually have several questions, but first I need to explain my situation. I come from a fairly …

Buying A House With Water Test Requirement 
Regarding buying a house with water test requirement: Last minute request for water test, after closing was scheduled. Now being postponed again. We …

Lock Or Float Interest Rate 
Regarding Lock Or Float Interest Rate: Hi Kate, I live in California and am supposed to close on a condo at the end of November that is being constructed. …

Renting Versus Buying A Home 
Question regarding renting versus buying a home: Dear Kate, What are tax advantages of buying a rental property and renting it to my daughter versus …

A Down Payment Dilemma 
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 
Ask Kate about a mortgage for a rural property on 38 acres: Private money lenders and local community banks can often be your best source of money for …

Buying A House From Family 
Regarding Buying A House From Family: Hi Kate, Will it be difficult for my niece to get a mortgage if I sell her the family homestead for a price significantly …

Buying A House On Acreage 
Ask Kate about buying a house on acreage: Hi Kate, If I want to purchase a home with 16 acres included, how is the mortgage criteria different from just …

Buying A House And Locking Interest Rates 
Regarding Buying A House And Locking Interest Rates: Recently we were buying a house. About a month ago, we met with our mortgage broker and had the …

Buying A House The American Dream 
Buying A House The American Dream: Buying a house, your very own house, is the American Dream. Yes, the housing market is really in the toilet right …

Buying A House Selling Your House 
Regarding Buying A House Selling Your House: I have a question about buying a house and especially about selling one. I recently got married to a man …

How to Pick a Real Estate Agent When Buying a House 
Regarding How to Pick a Real Estate Agent When Buying a House: Kate, I found a good way to choose a real estate agent when buying a house. I have worked …

Finance 20 Acres With Mobile Home 
Ask Kate how to finance a mobile home on 20 acres: Kate, I am looking to finance 20 acres with a mobile home on it. No one wants to loan on a mobile …

Contact Kate - We Want To Buy Our First Home 
Contact Kate - We Want To Buy Our First Home: I just moved here from Australia and have married a US Citizen. I have mortgage questions for Ask Kate! …

Mortgage Broker Threatens Home Buyer with Massive Fee 
Ask Kate about mortgage broker who threatens home buyer with massive cancellation fee: Sean's loan originator ignored 7 requests to lock in his interest …

Local vs Online Mortgage Lenders: Accountability 
Ask Kate about local vs online mortgage lenders: Alicia needs a lot loan to build a home. But her online lender lacks accountability. She asks for help …

How to Compare Mortgage Rate Lock Offers 
Ask Kate how to compare mortgage rate lock offers: Dan's lender has offered two rate lock options. Lock in a mortgage rate without points. Or lock at …

Getting FHA Mortgage Approval After Bankruptcy to Buy a Home 
Ask Kate about getting FHA mortgage approval after bankruptcy: Brian is trying to buy a home to live in with his two young sons. Even though 3 years …

VA Mortgage Loan Requirements for Non-Borrowing Spouse 
Ask Kate about VA mortgage loan requirements for a non-borrowing spouse: Douglas's wife does not want to be a co-borrower on his VA mortgage. Yet the …

Stated Income Mortgages for Retired Home Buyers 
Janet ask Kate about stated income mortgages for retired home buyers: After the financial crisis of 2008, loans that did not require verification of …

Click here to ask Kate about your mortgage.

How Soon Can I Refinance My New Mortgage 
Ask Kate how soon a new mortgage can be refinanced (seasoning requirements and Delayed Financing): Jack bought a new home with a 77 percent loan-to-value. …

New Mortgage Approval Time Frames After Short Sale 
Ask Kate about Fannie Mae and FHA mortgage approval after short sale, bankruptcy, deed-in-lieu of foreclosure, and foreclosure: Less than 3 years following …

Compare USDA to FHA Home Loan Mortgage Program 
Ask Kate to compare FHA financing to USDA Rural Home Loans: Jeanine is buying a home for herself where she'll also care for her elderly mother. Jeanine …

Mortgage Fine Print: Post-Closing Problems 
Ask Kate about mortgage fine print: Post-closing problems are traumatic to borrowers. Sometimes, as in the case of Nicole, home buyers have already moved …

Should You Refinance Your Home or Get New Mortgage 
Ask Kate if you should refinance your home or get a new mortgage: Thomas asks for his best approach to financing his new retirement home. Should he refi …

Certificate of Occupancy and FHA Loan Guidelines 
Ask Kate if a certificate of occupancy is required by FHA loan guidelines: Home buyers want to buy a house that is a converted garage. Can they can get …

Zero and Low Down Payments for Home Buyers 
Ask Kate about zero and low down payment programs for home buyers: Soon after Fannie Mae announced their intention to reinstate the 3% down payment program, …

Affordable Home Loans: Fixer Upper Houses - Part II 
Ask Kate about affordable home loans for fixer upper houses: Renovation mortgages often provide affordable solutions for cash-strapped home buyers like …

Underwater Mortgage: How Can I Buy Mom's Home 
Ask Kate if it's possible to buy your relative's home that has underwater mortgage financing: Carrie's mom owned her home free and clear (without financing). …

What Is Reverse Mortgage for Home Purchase Program 
Ask Kate about the Reverse Mortgage for Home Purchase Program: The FHA Home Equity Conversion Mortgage (HECM) is most commonly used for refinancing. …

USDA Rural Home Loans: Zero Down Payment 
Ask Kate about USDA Rural Development Home Loans for repeat and first time home buyers: If a zero down payment, competitive fixed rate for 30 years, …

Real Estate Investor Loan Options 
Ask Kate about real estate investor loan options: Lisa in California wants to purchase a multi-family dwelling and plans to live in one of the units. …

Before You Lock a Mortgage Rate: 4 Crucial Expirations 
Ask Kate about mortgage rate lock, expiration dates, extension fees, and escrow holdbacks: The feeling of finality after locking in a mortgage rate is …

Mortgage Rate Lock Advice for First Time Home Buyer 
Rita, a first time home buyer asks Kate for mortgage rate lock advice: Rita's banker let her down the first day of the loan process. It began when Rita …

Handy First Time Home Buyers Tips 
Ask Kate for handy first time home buyer's tips: Ania asks, Should I get preapproval for a mortgage before I start looking for FHA or Fannie Mae HomePath …

Steps in the Home Buying Process 
Ask Kate for steps in the home buying process: "Feeling Nervous" wants to know if she has legitimate worries after reading horror stories online from …

After Bankruptcy Before Buying a Home 
Ask Kate what to do after bankruptcy and before buying a home: Hello Kate, When should I meet with a real estate agent or mortgage broker? I have a desire …

Seller Financed vs Stated Income Mortgages 
Ask Kate about seller financed vs stated income mortgages: Hello there, I've been doing cash-in-hand work for the past three years. I'm going to continue …

Buying Without Selling a Home 
Ask Kate about buying without selling a current home: Kate, my husband and I moved to the USA three years ago and as a result have very little credit …

Monthly Payments On Mortgage Out of Control 
Ask Kate why are monthly payments on my mortgage so out of control: Kate, I bought a house in 2002 at $74,500 with a FHA loan. At that time my mortgage …

Can a New Immigrant Buy a House for Cash 
Ask Kate can a new immigrant buy a house for cash: Hi Kate, My aunt (my father's sister) is a new immigrant. My father wants to buy her a small house …

Ask Kate about 1st Time Home Buyer Flying Solo 
Ask Kate about 1st Time Home Buyer Flying Solo: Kate, I am 25 years old now. I have been dating the same man since 2007. The idea to marry is there, …

Mortgage For First Time Home Buyer With New Career 
Ask Kate about a mortgage for a first time home buyer with new career: Kate, Can I pre-qualify for a mortgage with a newly changed career coming from …

HomePath Financing Without Mortgage Insurance 
Ask Kate about HomePath Financing Without Mortgage Insurance: Hi Kate, Is it wise for people to buy a home and not insure it? Our offer was accepted …

Phenomenal FHA Loan Guidelines 
Ask Kate about Phenomenal FHA Loan Guidelines for buying a first home: Hi Kate, I am planning on moving back to Pennsylvania in August and purchasing …

Click here to ask Kate about your mortgage.

Buying A First Home With Mom Could Be A Bad Idea 
Ask Kate if buying a first home with mom could be a bad idea: I want to buy a house for myself with my son as my co-borrower because I can't qualify …

How To Calculate Mortgage Insurance 
Ask Kate How To Calculate Mortgage Insurance: My mortgage broker stated that my private mortgage insurance will be around $720 a year. Is this figure …

PMI Insurance Delays 
Solving PMI insurance delays (private mortgage insurance) causing home buying stress: Hi Kate, We are trying to buy a home that the owner, a Realtor, …

Home Appraisal Value 
Ask Kate how home appraisal value determines your need for PMI: Hi Kate, I'm buying my first house. My question has to do with determining the value …

VA Home Loan Eligibility 
Ask Kate about VA Home Loan Eligibility And Tipped Wages: Hello Kate, My fiance and I are trying to buy a home with a VA home loan using income from …

Real Estate Broker Commission 
Ask Kate a real estate broker commission question: Hi Kate, Can a husband who is a real estate broker get paid a commission for a house his wife is …

Refundable Mortgage Lock In Fee 
Ask Kate about Refundable Mortgage Lock In Fee: Hi Kate, Is a mortgage company required to return a paid lock in fee if they ultimately decide that your …

Purchasing HUD Homes 
Ask Kate about purchasing HUD homes using an FHA insured with repair escrow: Hi Kate, My FHA appraisal is only $1175 over $5000 limit for regular FHA …

Yield Spread Premiums 
Regarding Yield Spread Premiums - To Kate and the intended Home Buyer asking about paying a YSP (Yield Spread Premium), we both agree that the amount …

Rate Lock and Mortgage  
Ask Kate For Rate Lock and Mortgage Information: Hi Kate, I have a question about locking a mortgage rate. I paid a lock-in fee twice because we have …

Mortgage Affordability 
Ask Kate About Mortgage Affordability And Why Your Lender Might Not Give A Hoot: Kate, A lender told my fiance that he can purchase a $150,000 investment …

IRS Payment Plan 
Ask Kate About IRS Payment Plan and FHA Mortgage: Hi Kate, My husband and I want to purchase a home. Unfortunately a lien has been placed on my husband. …

Buying A Foreclosure Home 
Hi Kate, I am buying a foreclosure home. Is this a good idea? What should I be watching for? Will the bank guarantee the house since the property is bank …

Buying A Foreclosure Home 
Ask Kate: Buying A Foreclosure Home Hi Kate - Great site! I am looking to upgrade our current home and purchase a newer home. I am looking at a foreclosure. …

FHA Appraisals 
Regarding Overcoming FHA Appraisals: Dear Kate, I am trying to buy a foreclosure and I need to use a FHA loan because of down payment requirements. …

Mortgage Approval For PMI 
Regarding Mortgage Approval For PMI - Will I Be Approved: Dear Kate, I have been approved for a conventional loan, borrowing 95 percent and putting …

Reducing Debt Saving Money 
Ask Kate: Reducing Debt versus Saving Money - Is it better to pay off my debt or maintain the current balance in my savings account? Kate, Right now, …

First Time Home Buyers Loan 
Ask Kate: First Time Home Buyer's Loan - Is this how a mortgage rate lock works? Kate, I am in the process of buying my first home. The lender which …

How Do I Cancel Private Mortgage Insurance 
Ask Kate: How Do I Cancel Private Mortgage Insurance? Is PMI based on original loan appraisal value or lower refinanced? I took out a mortgage on the …

APR Explained 
APR Explained - What is the difference between the locked mortgage rate and effective APR: Hi Kate, I have a real estate sales contract due to close …

FHA End Loan 
Ask Kate: Who Needs an FHA End Loan? We are looking to apply for an FHA end loan. Home cost is $225k, we have $80k but do not want to deplete our savings …

How To Find Best Mortgage Lenders 
Ask Kate: How to find best mortgage lenders I am buying a vacation condo for $235,000 and am putting 25% down. My credit score is about 700. So where …

Mortgage Loan Approvals 
Regarding time frames for mortgage loan approvals : How long is reasonable to wait for a decision on being offered a mortgage? I am currently into third …

Investor Guide To Buying A Home 
Regarding an investor guide to buying a home : Can I purchase investment properties and rent them out without being employed? I have the down payments, …

FHA Mortgage Limits 
Frustrated over FHA mortgage limits: Hi Kate, My wife and I are first time home buyers and were pre-approved for an FHA mortgage through a nationwide …

Click here to ask Kate about your mortgage.

Buying Houses Unemployed Investor 
Regarding buying houses as an unemployed investor : I was recently laid off from my job. I was making a considerable income and getting ready for my first …

First Time Home Buyer Tips 
Regarding first time home buyer tips: My wife and I are trying to purchase our first home. It was her parents' home and was offered to us at a great …

Where To Get PMI Approvals 
Regarding where to get PMI approvals: A large national bank just came out with a new conforming loan with 5 percent down but the catch is you have to …

Mortgage For Buying A Second Home 
Ask Kate about a mortgage for buying a second home: Kate, can I get a second residential mortgage to buy a second house while having a first home on …

Mortgage Loan Pre Approval 
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. My Realtor assures …

Private Mortgage Financing Questions 
Private mortgage financing questions: Dear Kate, My partner and I are looking into purchasing a home in nearby Maryland, with private financing from …

FHA Loan Guidelines For Condos 
Question about FHA loan guidelines for condos: Hi Kate, We're looking at a condo community, but have suddenly been told that we cannot use an FHA loan …

Self Employed Mortgage 
Ask Kate about mortgage guidelines for self-employed home buyers who are employees of their corporations: Kate, I have a question about self employed …

First Time Home Buyer Tips 
Regarding first time home buyer tips: My wife and I live in San Jose, California. My wife had bought a home before our marriage and now price of the …

Home Appraisal Tips 
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 
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 …

Buying A Home In Foreclosure 
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 
Kate, 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 …

Finding A Way To Buy A Home 
Regarding Finding A Way To Buy A Home: I need to buy a home. I have recently separated from my husband. While we were together, I was a stay at home …

FHA Home Loan Appraisal Requirements 
FHA Home Loan Appraisal Requirements Kate, We close on a house in a week and the FHA home loan lender tacked on $4600 for lender required repairs. We …

Checklist For Buying A Home And Refinancing 
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 
Ask Kate about Buying A House And Private Mortgage Insurance: Last time buying a house, I took a 100% mortgage loan with a major mortgage lender. Because …

First Time Home Buyer Mortgage Advice 
Hi Kate, I have some first time home buyer mortgage advice for your Readers. I started to think about the first house we bought and how was I really …

Timing Mortgage Rate Lock  
Ask Kate: Timing Mortgage Rate Lock I am asking about the timing of a mortgage rate lock because I am set to close in about two weeks on a new home. …

Buying A House Without Coborrower 
Regarding Buying A House Without Coborrower: 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 …

Contact Kate VA Home Loan 
Contact Kate regarding a VA home loan: Hi Kate, I have two questions about a VA home loan. First, I took a VA loan nearly 20 years ago. I understand …

Buying A House With Family 
Regarding Buying A House With Family: My husband and I are interested in buying a house with his grandparents. The home has a large garage with a second …

Ask Kate About Buying A House 
Regarding Ask Kate About Buying A House: Hi Kate, In 2004 I sold a house in a suburb of a large metropolis that I had lived in for 30 years. I moved …

Buying A House Fact Or Opinion 
Regarding Buying A House Fact Or Opinion : I am contemplating buying a house. Is purchasing a 2 bedroom townhouse in North Carolina a smart idea? I was …

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

Click here to ask Kate about your mortgage.

Home Buyer Inspection Good Idea 
Home Buyer Inspection - A Good Idea: A home buyer inspection is definitely not throwing away money in most cases. When you are buying an older home …

Buying A House Feeling Strung Along 
Regarding Buying A House Feeling Strung Along: Just recently, my wife and I went on a bit of journey purchasing our second home. Much like everyone …

Test Drive With Home Buyer Inspection 
Regarding Test Drive With Home Buyer Inspection: Having recently purchased an old home, an 1840’s Victorian, I can promise that a pre-purchase home buyer …

Home Inspector Worth Weight In Gold 
Regarding Home Inspector Worth Weight In Gold: When you first realize how expensive the home buyer inspection is, the temptation comes to forgo hiring …

Home Buyer Inspection 
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 
Regarding Pre Approval For Buying A House: I am looking into buying a house. I'm a 48 year male on disability. I receive $1850 monthly from SSI. My wife …

Buying A House In Tough Economic Times 
Buying A House In Tough Economic Times: I wouldn't let hard times deter me from buying a house. There will always be something in our circumstances that …

Unbiased Home Buyer Inspection 
Regarding Unbiased Home Buyer Inspection: This is Kate's sidebar to this letter. Please note Buyer Beware does not necessarily reflect this website's …

Buying A House Right Now 
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 
Economic Uncertainy Equals No More Mortgage See why this home owner prefers to forgo buying a house: Hi Kate, I currently own my home mortgage free. …

Buying A House for Rental Units 
Regarding Buying A House for Rental Units: Are mortgage rates higher if I'm buying a house for rental units that's not intended to be a personal residence? …

Buying a House Selling a House Choosing a Real Estate Agent 
Regarding buying a house, selling a house and choosing the right real estate agent: Hi Kate, When we sold our home in Tennessee two years ago, we had …

Mortgage Co-signers For Buying A House 
Mortgage Co-signers For Buying A House: I am currently looking into buying a house. I am single and have spoken with a friend about co-signing the mortgage …

Best Mortgage Advice How I Picked A Realtor 
Regarding best mortgage advice for how I picked a Realtor: Dear Kate, My best mortgage advice for home owners selling a home is this. I know quite a …

Real Estate Agent Referrals When Buying a House 
Real Estate Agent Referrals When Buying a House: Regarding When I was buying a house I chose my real estate agent by getting referrals from my friends. …

Click here to ask Kate about your mortgage.

Learn More About Your Dream Team

How to Buy a House Part 1 Meet your real estate agent and save yourself heartache and headache.

How to Buy a House Part 2 Meet your mortgage lender - Expect more than quoting the lowest rate or taking an application.

Check out List of Mortgage Companies, a local lender directory.

How to Get a Mortgage Part 3 Meet your home inspector and avoid buying a money pit.

How to Get a Mortgage Part 4 Meet your real estate appraiser - Does an appraisal assures you of a good deal?

How to Get a Mortgage Part 5 Meet your title insurance companies for coverage resulting in peace of mind.

How to Get a Mortgage Part 6 Meet your homeowners insurance agent because there is more to it than the cheapest quote.

How to Get a Mortgage Part 7 Meet your escrow and closing disclosure form, the guardian of your real estate transactions.

Title, Abstract Services and Escrow Agents, a mortgage service provider directory.

How to Buy a House Questions and Answers II.

How to Buy a House Questions and Answers I.

Tell a Friend

Please share Discover The Magic of Using a Realtor with your friends. I hope you'll return soon!

Recent Articles

  1. Kate's Mortgage Rate Report August 11: Rates Bouncing Like a Ping Pong Ball

    Aug 11, 16 10:49 AM

    Kate's mortgage rate report for the week ending August 11, 2016: Rates Bouncing Like a Ping Pong Ball
    Mortgage interest rates have been bouncing like a ping pong ball: After last Friday's strong job report began pushing up mortgage rates, the market is now hinting at a reversal, with the 30-year hover…

    Read more

  2. Ask Kate how to avoid unauthorized mortgage rate extension fees

    Aug 11, 16 10:18 AM

    Ask Kate how to avoid unauthorized mortgage rate extension fees
    Ask Kate how to avoid unauthorized mortgage rate extension fees:

    After locking in her rate, the bank sent a Texan homeowner, Laura, notification of several thousand in fees that she must pay in order…

    Read more

> Buying a House