Kate Kippenberger, Mortgage Broker NLMS 1939364

06/12/2026

📊 What moved mortgage rates this week?

✔️ CPI inflation data
✔️ PPI inflation data
✔️ Oil prices
✔️ Bond market movement
✔️ Middle East headlines

The biggest takeaway? Rates spent most of the week moving sideways, but oil remains one of the biggest variables I’m watching.

If you’re waiting for the “perfect” rate before making a move, let’s talk strategy first. The right plan often matters more than trying to pick the perfect day.

kippenbergermortgagesolutions

06/11/2026

A refinance isn't just about getting a new interest rate. 🏡 It can be a valuable tool to help align your mortgage with your current financial goals and life circumstances. Whether your priorities have changed since you first purchased your home or you're looking for ways to make your equity work for you, it may be worth exploring your options. If you've been wondering whether a refinance makes sense for your situation, send me a message and let's chat!

06/10/2026

🏡 Mortgage Strategy with Kate

Bank or Mortgage Broker?

Most buyers don’t realize there’s a difference until they’re already in the process.

More options often means a better strategy.

Had you heard the difference before?

06/06/2026

🏡 Down Payment Myths | Part 2

A lot of buyers think their down payment has to come entirely from their savings account.

Not always.

Depending on the loan program, there may be other options available that many buyers don’t realize exist.

The biggest mistake I see is people assuming they aren’t ready before exploring their options.

What questions do you have about down payments?

👇 Drop them below.

06/05/2026

🏡 Down Payment Myths | Part 1

One of the biggest misconceptions in homeownership?

Thinking you need 20% down to buy a home.

The reality is that many buyers qualify with much less, and waiting until you’ve saved 20% could mean delaying your goals unnecessarily.

Have you ever heard this myth before?

👇 Let me know in the comments.

Part 2 tomorrow: Where does down payment money actually come from?

06/04/2026

Welcome to my page! 👋

I’m Kate, a mortgage broker who believes buying a home shouldn’t feel overwhelming.

Whether you’re a first-time buyer, moving up, downsizing, or simply trying to understand today’s market, my goal is to provide clear information, honest guidance, and strategies that help you make confident decisions.

Here you’ll find mortgage tips, market updates, homeownership insights, and answers to the questions you’re afraid to ask.

Thanks for being here. I’m excited to connect with you!

05/01/2026

A day after the Fed voted to keep rates steady, the March PCE (inflation) figure jumped to +3.5% YoY, driven by higher oil prices. Mortgage rates moved up as well, but they're still half a percent lower than they were a year ago, and flattish national home price growth is helping to improve affordability in many cities.

National news and local views for the week

04/09/2026

Ready to jump-start your preapproval process? 🚀 Gather your ID, social security number, and list of current debts to streamline your journey to homeownership. Need help getting started? Contact me today, and let’s make your dream home a reality!

11/27/2025

So grateful for the people, the stories, and the homes I get to be part of. Wishing you a warm and joyful Thanksgiving surrounded by the ones who make life feel full. 🧡🍁

11/19/2025

Thinking about a refinance but not sure if it’s worth it? If you bought a home in the last three years, there’s a real chance a refi could drop your payment and save you a ton in long-term interest — especially with broker-level pricing opening up more options.

I offer a no-obligation refinance analysis so you can see the numbers clearly:
• What your new payment could look like
• How fast you’d break even
• How much interest you’d save over time

No pressure. No commitment. Just real info so you can decide what makes the most sense for you.

If you’re curious, slide into my DMs or shoot me a quick message — happy to run the numbers and see what’s possible. ✨