Kate Matties NMLS # 18487—VanDyk Mortgage Corporation

06/15/2026

Quick question? Here’s the answer. ✅

Need a mortgage checklist, closing timeline, or VA funding fee info? I’ve got you.

There is no such thing as a dumb mortgage question. If you’re buying in Clarksville or near Fort Campbell, message me anytime and I’ll help you map the path home.

What mortgage question do you want answered next?

06/11/2026

Quick mortgage FAQ for busy families.

What docs do I need? How long does closing take? What is the VA funding fee?

Short answer. It depends on the loan, but I’ll map it out in plain English, no jargon, no stress.

If you want the quick checklist, message me anytime. What mortgage question should I answer next?

06/11/2026

If you have student loans, pay attention.

Starting July 1, federal student loan rates are going UP for 2026-27.

Higher rates = higher monthly payments = higher debt-to-income ratio.

That matters a lot when you're trying to qualify for a mortgage.

But here's what most people miss... it's not just the student loan payment itself. It's what happens when borrowers hit new loan limits and start filling the gap with credit cards, private loans, or co-signed debt.

All of that affects your DTI, your credit score, and your mortgage timeline.

I help borrowers connect these dots every day. If student loans are part of your picture and homeownership is on your radar, let's talk now.

Text me at (931) 980-9764 — are your student loans affecting your homebuying plans?





Kate Deiboldt is a trusted Fort Campbell VA mortgage expert serving Clarksville, Oak Grove & Hopkinsville—specializing in VA Loans, FHA and first-time homebuyer loans. VA Home Loan Questions? www.justcallkate.info. Knowledge is power.

06/10/2026

Home, at last, for this military family 🏡

Stories like this never get old. The joy, the relief, the peace of finally having a place to call home, this is why I love what I do in Clarksville and Fort Campbell.

Kate made the whole process feel calm, clear, and possible. If you’ve been told no before, let’s see what’s actually possible. Message me anytime.

What would “home” mean for your family right now?

06/08/2026

Rate Locks, Buy-Downs & Concessions: Clarksville Buyers

Rate locks, buy-downs, and seller concessions explained for Clarksville TN buyers. Negotiate the best mortgage rate package in 7 steps.

06/07/2026

How Long Until I Can Buy After a Bankruptcy, Foreclosure, or Short Sale?

How long do you have to wait to buy a house after a Bankruptcy or Foreclosure?

06/07/2026

How Lenders Calculate Income for W-2 Borrowers (Overtime, Bonus, Commission)

How Lenders Calculate Income for W-2 Borrowers (Overtime, Bonus, Commission)Mortgage lenders usually start with your W-2 base pay, then add overtime, bonus, and commission only if it’s documented a…

06/05/2026

Can I Buy a Home if I Just Started a New Job in Clarksville?

New job? Learn the rules for mortgage applications

06/04/2026

"This was my first time buying a home so I went into the process completely blind and didn't know what to do at all. Kate helped me every step of the way and made me understand in a way that I could. She has been a true blessing and I am so glad she was there." says Darien

★★★★★ This was my first time buying a home so I went into the process completely blind and didn't know what to do at all. Kate helped me every step of the way and made me understand in a way that I could. She has been a true blessing and I am so glad she was there.

06/04/2026

Why Your Mortgage Credit Score Is Different From Your Credit Karma Score

Why Credit Karma isn’t exactly your mortgage score…