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Refinance Ideas - Kate's Fresh Refinancing Advice

Your refinance deserves a fresh approach. Discover Kate's unique refinancing advice.


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

Looking For Refinancing Advice?
Ask Your Savvy Mortgage Insider!
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

Let me introduce myself. My name is Kate Ford and I was a mortgage lender for more than 20 years. I financed thousands of mortgage loans. 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.

Unique Refinancing Ideas

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Innovative Ideas To Refinance

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
  • 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

15 year fixed rate mortgage

  • Start a business
  • Travel
  • Wedding

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

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Do it now! Bookmark this page so you can easily return to review the keys to finding your best mortgage rate.

Discover Kate's Best Mortgage Rate Blog today. Keep up to date on what's new about mortgages and additional reasons to refinance.

Valuable Resource For My Home Buyers and Homeowners

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Announcing Kate's Mortgage Checklist Saves You Money
The special formula

Get The Best Mortgage At The Lowest Cost.
Meet Kate Ford

HOME TO Best Mortgage Rate
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It's your opinion that matters


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