KatesRates" at Edge Home Finance NMLS 891464 , Kate McCarthy NMLS 2644309

10/29/2026

Had fun chatting it up with people from the 1900s today at the Senior Expo at The Crossover today! We could call our Seniors Mid-Century modern now 🙂

I specialize in helping Seniors use their home equity to check and adjust their retirement goals in any way they need. HELOCS, 2nd Liens fixed, buy before you sell programs, regular refinance with cash out, but most importantly Reverse. Reverse is the only loan program to use some of your equity now to live on with 0 payment required!

Did you know you can refinance your existing mortgage to a reverse and immediately have no payment? Did you know that getting equity cash out of your home is not taxable by the IRS like pulling from your IRA? Did you know there is a reverse purchase where you can bring only a % of the new house to closing and carry the rest on a reverse with no payment? Buy more house for the $ you have! I am pretty happy that I know I can help people and would love to be considered when you are mortgage shopping.

If you know someone who needs a one on one consult let me know! I am also hosting 2 Reverse lunch and learns soon. Please pm me to sign up for the lunch and learn list. I will send out dates available . There is so much to learn about different ways to access your house equity and so many things that have changed in consumer lending laws to protect you and your family.

10/27/2026

Want to take advantage of better sales prices and seller credits in this buyer's market and be "Home for the Holidays"? It is time to get the ball rolling. MESSAGE ME NOW! www.katesrates.com Kate Mccarthy Kevin McCarthy

10/22/2026

As a mortgage broker, it is my job to watch the market and our various lenders to see where the best place is to send your loan and the best time to lock your loan. UWM has a great October special and they are lightening fast. Agents- have a loan you need to turn around from another lender quickly to make closing on time? Anybody under contract and want a 2nd look to get you a better deal? Talk to me!!!

10/21/2026

Want a quick HELOC with the most flexible options? Apply here! Have more questions about equity loans, cash out refi, funding your remodel or aligning your debt? Let's chat about how to get you the breathing room you need BEFORE the holidays.
https://flow.avenfoundry.com?i=695f293d-4421-462b-a354-06aa6748760a

10/14/2026

This is How we do it...Do you have a mortgage broker on your side?! How about a broker team that has a combined 30 years of processing experience?! Talk to me Goose!

10/01/2026

This is a beautiful property and home! Who wants to run off and live with some acres?!!!

JUST LISTED | 3740 County Road 207, Liberty Hill

There’s having a little space, and then there’s having more than 13 wooded acres of your own.

This single-story custom home brings together the things that are hard to find in one property: privacy, a great house, a pool, incredible outdoor living, and a serious 30' x 40' shop.

4 Bedrooms | 3 Baths | Dedicated Office
13+ Wooded Acres
Private Pool + Hot Tub
Multiple Outdoor Living Spaces
30' x 40' Insulated Mueller Shop
Offered at $1,450,000

This isn’t about moving farther out just to get more land. It’s about having the house, the pool, the shop, the trees, and the space to live a little differently.

Dream Big. Move Smart. Get Savvy.
There’s having a little space, and then there’s having more than 13 wooded acres of your own.

This single-story custom home brings together the things that are hard to find in one property: privacy, a great house, a pool, incredible outdoor living, and a serious 30' x 40' shop.

4 Bedrooms | 3 Baths | Dedicated Office
13+ Wooded Acres
Private Pool + Hot Tub
Multiple Outdoor Living Spaces
30' x 40' Insulated Mueller Shop
Offered at $1,450,000

This isn’t about moving farther out just to get more land. It’s about having the house, the pool, the shop, the trees, and the space to live a little differently.

Dream Big. Move Smart. Get Savvy.

10/01/2026

Your home may hold more possibilities than you realize. You do not have to own your home outright! Ask me how to ELIMINATE your monthly mortgage payments using your equity! Or use this as a tax free way to get funds now without making withdraws from your IRA! You can still leave home equity to your heirs. Let's have a conversation!

🪦 RUNNING OUT OF RETIREMENT SAVINGS?
Explore ways your home equity may supplement retirement resources.

🪦 WORRIED ABOUT MONTHLY EXPENSES?
Learn about options that may improve monthly cash flow.

🪦 AFRAID OF A MAJOR HOME REPAIR?
A home equity strategy may provide access to funds when needed.

🪦 WORRIED ABOUT FUTURE CARE?
Explore options for creating financial flexibility while remaining in your home.

09/23/2026

Great collaboration and learning day with some amazing Realtors! Reminder that we can all continue to evolve and adapt to the changes the tech world is throwing at us. Also a great reminder to go back to the basics as humans and really connect with one another. Kevin McCarthy Dori Garner, Realtor Zoli Szilagyi, RealtorCarissa Cruz Rebecca Vaughan Kumar Ginger Carnright. Kate Mccarthy Savvy Real Estate Group Thank You Edge team for the great event today!

09/18/2026

Did you know that there are income limits for the first time homebuyer down payment assistance programs? It used to be so low but they have been raised so more people can qualify! Contact me to go over details and see what would look like. “Heroes” are teachers, nurses, firefighters etc!

Kate Mccarthy Kevin McCarthy

09/16/2026

Thinking about using your home equity? � � � � �

Watch this video to compare two popular options for accessing it: a Reverse Mortgage Line
of Credit and a Home Equity Line of Credit (HELOC).
Reach out to learn more and see what your home equity could do for you.
� � (512)587-8767
� � � � � � � [email protected]

For educational purposes only. These materials are not from, and have not been approved
by, HUD, FHA, or any government agency. The company is not affiliated with or acting on
behalf of or at the direction of any other government agency.