There are reasons why and why not to finance your home promoted by the media, mortgage lenders and financial gurus. Only you can decide. Here

Fresh Refinance Ideas for Your Mortgage

Your refinance deserves a fresh approach. Picture your next family gathering. Everyone is sitting around the dinner table. You casually mention that you are contemplating a new home loan. Oops, too late! Out crawl the opinions from the woodwork. One relative brags that he knows how to work the system. Another tells a tale of horrors. I won't go on...

Fresh Refinancing Advice

There are reasons why and why not to finance your home promoted by the media, mortgage lenders and financial gurus. The fact is, only you can decide. Your reason is the REAL reason. It all depends on your circumstances and no two households are alike.

So stop looking to so-called experts and trust yourself. You already know if refinancing is the best plan for your situation. Your opinion is what truly matters.

Refinancing for Beautiful Smiles

Ask Kate at

Hi, my name is Kate Ford. I have financed thousands of mortgage loans for over two decades. I witnessed every variety of homeowners' reasons.

As an example, I watched as one family financed their home for orthodontic braces for their children.

Was that a good reason? Truthfully, I don't know. They thought it was right for them. The new mortgage provided their children a life-time of smiles.

Discover Kate's unique list of reasons based on 20 years of refinancing mortgages. You decide. It's your home and your home loan.

Innovative Reasons to Refinance Your Home Loan

  • Adjustable mortgage rates soar
  • Adoption expense
  • Avoid mortgage foreclosure

Study these strategies to mortgage loan modification.

  • Bad credit repair
  • Balloon payment due
  • Best mortgage rate

How to compare mortgage interest rates.

  • Buy a new car
  • Buy a motor home
  • Buy a vacation home
  • Cash for divorce settlement
  • Cash out a joint owner on title
  • Change loan servicers
  • Clear collections and liens
  • Close delayed escrow
  • Debt consolidation
  • Establish savings
  • Finance lease options
  • Finance rent to own homes
  • Flexible rate mortgage too high

Find the cure to subprime mortgages.

  • Free up VA eligibility
  • Go back to college
  • Home additions
  • Home repairs
  • Improve credit scores

Learn how to improve your credit rating.

  • In vitro fertilization
  • Invest in commercial property
  • Invest in stock market
  • Landscaping
  • Lengthen term to get lower mortgage payments

Look into a 40 year fixed rate mortgage term.

  • Line of credit
  • Low mortgage payments

Discover the secret to low mortgage payments.

  • Medical and dental procedures
  • Mortgage rates are going higher
  • Mortgage rates are going lower
  • Move to a 30 year fixed rate mortgage

Yes, it's the tried and true 30 year fixed rate mortgage.

  • Pay delinquent property taxes
  • Pay IRS back taxes
  • Pay real estate assessments
  • Pay off car loans
  • Pay off construction financing

Let me explain residential construction loans.

  • Pay off credit cards
  • Pay off lines of credit
  • Pay off medical bills
  • Pay off other real estate loans
  • Pay off personal loans
  • Pay off 2nd mortgages
  • Pay off seller financing
  • Pay off student loans
  • Pay off subprime mortgages

Solutions to subprime mortgage loans that work.

  • Reduced debt ratios
  • Reimburse family members
  • Reimburse retirement account
  • Reimburse savings
  • Remodel kitchen and bathrooms
  • Remove private mortgage insurance (PMI)

Learn the rules to cancelling your private mortgage insurance (PMI).

  • Rental property purchase
  • Send children to college
  • Shorter time to pay off mortgage

Pay off your home faster with the 15 year fixed rate mortgage.

  • Start a business
  • Travel
  • Wedding

Tips for refinancing with cash out.

You decide! It's your home and your home loan. You deserve the best!

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