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Refinance Ideas - Kate's Fresh Refinancing Advice

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! Someone tells a story about why their home loan experience was so great. Another tells a tale of mortgage horrors. I won't go on...

Fresh Refinancing Advice

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. Your reason is the REAL reason. It all depends on your circumstances.

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.

Refinance And Smile

Ask Kate
Let me introduce myself. My name is Kate Ford. I have financed thousands of mortgage loans for over two decades. I witnessed every variety of homeowners' reasons to refinance.

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

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.

Innovative Ideas To Refinance

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

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

Strategies to stop mortgage foreclosure

  • 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

Improve credit rating

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

40 year fixed rate mortgage

  • Line of credit
  • Low mortgage payments

Discover 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

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

Residential construction loans explained

  • 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

  • Reduced debt ratios
  • Reimburse family members
  • Reimburse retirement account
  • Reimburse savings
  • Remodel kitchen and bathrooms
  • Remove private mortgage insurance (PMI)
  • Rental property purchase
  • Send children to college
  • Shorten term to pay off mortgage sooner

How Do I Cancel PMI?

15 year fixed rate mortgage

  • Start a business
  • Travel
  • Wedding

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

Improve your home with Free Pergola Plans which guides you through all stages of building a beautiful garden pergola, including finding tools and materials, planting, design and landscaping ideas, choosing kits, furniture and accessories.

You'll also find a wealth of information at Kate's Best Mortgage Rate Blog packed with the latest additions to this website, interest rate updates and a fresh approach to real estate and mortgages.

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 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 Mortgage 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

Return home to Get-Your-Best-Mortgage-Rate from the Refinance Collection


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