How To Buy A House

Ask Kate

Welcome to How To Buy A House where you'll find dependable answers to your home buying questions.

I'm Kate Ford author and publisher of this mortgage website. I will be your guide. Let's get started.

Begin with How To Buy A House Q and A's, including new construction. Next discover true life experiences as told by home buyers.

Lastly, near the bottom of the page, is a helpful road-map of this site, full of information, tips and advice from Kate Ford.

Note: Ask Kate about Private Mortgage Insurance has moved! Please follow right along to Paying Private Mortgage Insurance for the questions and answers.

How To Buy A House - Questions And Answers

Buying A Foreclosure Home - I am looking to upgrade our current home and understand there are numerous considerations in buying a bank owned foreclosure.

Debt Relief Programs - I need help qualifying for a mortgage to buy a house.

Reducing Debt or Saving Money - Which is better for buying a house, paying off my debts or keeping my savings?

HomePath Or FHA - Which mortgage program is best for buying a house?

First Time Home Buyer's Loan - Is this how a mortgage rate lock works?

USDA loan and yield spread premium (YSP) questions - Am I getting ripped off and why can't I get a simple answer?

Mortgage Loan Approvals - Questioning time frames for mortgage loan approvals...

How To Buy A House - More Questions And Answers

Investor Guide To Buying A Home - How to buy a house with no income?

First Time Home Buyer Tips For FHA AND USDA Mortgages - I could use some first time home buyer tips.

Buying A House Without Income - Is there any chance a lender will give us a loan based on check stubs and W-2s only?

Buying A House With Water Test Requirement - Can we contact the lender ourselves and not the mortgage broker?

Mortgage Loan Pre Approval Questions Is it the mortgage officer's duty to go over the mortgage options face-to-face or can it be done over phone?

Private Mortgage Financing Questions - What should we be aware of as we draw up a contract?

How To Buy A House - More Questions And Answers

Home Appraisal Tips For Low Value - Renegotiate with the builder on a lower price?

First Time Home Buyer Tips - Do I qualify as first time home buyer?

Self Employed Mortgage And Tax Returns - Wouldn't I just supply proof of my income and personal bank statements?

Unemployed Investor - Tell me how to buy a house as an unemployed investor.

Renting Verses Buying A Home - What are tax advantages of buying a rental property and renting it to my daughter?

Mortgage Interest Deductions - We figured out how to buy a house with our parents as our private mortgage financing but what about tax deductions?

How To Buy A House - More Questions And Answers

Buying A Home In Foreclosure - Will the lender use the appraisal of the county as the property value?

Define Mortgage Approval - I was so disappointed. Could not understand how to buy a house.

A Down Payment Dilemma - Is there a bank which values a customer like myself and will approve me with less than 20% down payment?

Mortgage For Rural Property On 38 Acres - Banks are questioning if it is seasonal, rental, commercial? What is the best way to go?

Finding A Way To Buy A Home - I have never done this because my husband already had a mortgage before we met.

Checklist For Buying A Home And Refinancing - What paper work would I need to get started for a home mortgage?

How To Buy A House - More Questions And Answers

Buying A House On Acreage - If I want to purchase a home with 16 acres included, how is mortgage criteria different from just buying a house?

Buying A House From Family - Will it be difficult for my niece to get a mortgage if I sell her the family homestead for a price significantly below market value?

Buying A House Without A CoBorrower - Are there ways to get a home without anyone coborrowing with me?

We Want To Buy Our First Home - We are very interested in buying our first home that will eventually become an investment property.

Strategies To Buying A First Home - Should be saving the money to pay off the credit card debt for the down payment and closing costs?

Buying Vacation Home Under Appraised By Bank - We feel strongly that the bank appraiser called this one wrong.

How To Buy A House - More Questions And Answers

Buying A House With Family - I know that our incomes combined would be enough for the purchase, but would we qualify for the loan at all?

Ask Kate About Buying A House - Sometimes I wish my friends weren't so "helpful".

Buying A House Fact Or Opinion - I was told that 2 bedrooms are very hard to sell.

Pre Approval For Buying A House - Would we qualify for buying a house using a first time buyer tax credit?

Buying A House And Selling Your House - All of the uncertainty has really gotten me stressed out about this.

Finance 20 Acres With Mobile Home - No one wants to loan the money on acreage with "just" a mobile home on it.

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

Mortgage Co-signers For Buying A House - I have spoken with a friend about co-signing who will not live in the house. Is this mortgage possible and a wise move?

How To Buy A House - Construction Loan FAQs

Construction Loan Information - What are the pros and cons?

Construction Loan Information - Homeowners feel cheated when a failed construction loan dashes their dreams.

Building A House And Construction Loans - Can I use my current property to get the residential construction loan?

How To Buy A House - Homeowner Experiences

First Time Home Buyer Mortgage Advice - This strategy actually put money into our pockets every month which help to ease the mortgage payment.

Best Mortgage Advice - How I picked my Realtor...

Buying A House And Locking Interest Rates - We were informed that the position of her company was to encourage people NOT to lock rates since they predicted rates would continue their downward slide.

Buying A House In Tough Economic Times - Working on my home gives me a tremendous sense of well-being that I would have missed had I been to fearful to step out in faith.

How To Buy A House - More Homeowner Experiences

Staying Put Not Buying A House - I bought the house cheap and have been slowly working on it.

Buying A House Feeling Strung Along - With all the emotions, wanting and waiting of our home, we were tired of the same ol' bait and switch technique.

Economic Uncertainty Equals No More Mortgage - We will stay mortgage free for a long time to come I think.

How to Pick a Real Estate Agent When Buying a House - Word of mouth referrals are also a good way to find your real estate agent.

Real Estate Agent Referrals When Buying a House - I picked one that specialized in the urban areas and was knowledgeable about town homes and condos.

Buying a House, Selling a House and Choosing a Real Estate Agent - We called the same agent who had sold us the house 4 years earlier.

Home Buyer Inspection Good Idea - Especially for first time home buyers, this is an indispensable asset.

Test Drive With Home Buyer Inspection - I paid $94.00 for the actual test, but ended up negotiating more than $1,200.00 off the purchase price.

Home Inspector Worth Weight In Gold - If you honestly believe you cannot afford the home buyer inspection, then you cannot afford the house.

Home Buyer Inspection - The home inspector might make the difference in the dream home becoming your worst nightmare.

Unbiased Home Buyer Inspection - Obtaining a paid professional's opinion on an existing home can give a buyer that warm-fuzzy feeling needed to purchase.

Ask Kate Questions And Answers - You Can Own My Brain

Ask Kate and Adjustable Rate Home Mortgage

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Ask Kate and How To Buy A House

Ask Kate and How To Compare Mortgage Rates

Ask Kate and Improve Credit Ratings

Ask Kate and Mortgage Advice Forum

Ask Kate and Mortgage Modification

Ask Kate and Mortgage News

Ask Kate and Mortgage Rate Lock

Ask Kate and Paying Private Mortgage Insurance

Ask Kate and Refinancing

Ask Kate and Reverse Mortgage Information

Ask Kate and VA / FHA Loan Requirements

Ultimate Collection of Ask Kate Articles - Cruise My Site

Ask Kate How To Buy A House

Kate's Guide To Buying A House

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