About Kathleen
I cannot remember a time in my life when real estate was not a part of it.
My mother was a real estate broker from the time I was in second grade. I overheard countless conversations my mother had with her clients regarding the importance of finding the right house and the right loan program that best fit the customer’s needs. She had a passion to help people achieve their goals, not only in obtaining home ownership, but life in general. Her happiness came from helping others.
As I got older, I would sit with her at her open houses. She always introduced me to those customers who would stop by. I remember being so interested in everything they were saying. At her closings, when I was able to go, her customers were so happy thanking her for everything she did for them. There were always big smiles and big hugs. Her customers always asked me, “Are you going to grow up to be a real estate broker like your mother?”
As you can see, I did decide to go into world of real estate. The joy my mother found in meeting new people, helping them find the right home as well as negotiating the price for her client is the same passion I have for my customers. I enjoy getting to know my customers, asking many questions to get a full understanding of what they are trying to achieve whether it be a short or long term goal. I love pushing numbers around to provide financing options & presenting those options to my customer. I take great pride in the relationships I have built with my customers over the last 23 years. Many of my customers have been with me for 15 years or more and I am now getting calls from their children needing financing for their first home. Isn’t that just awesome? I believe this is because I provide and explain, in detail, their financing options and advise what I believe to be in the best option based on their goals they have shared with me. I work diligently for my customer, providing constant communication keeping the customer informed throughout the loan process. If at closing, my customer does not feel that the process was educational, simple and easy, then I did not do my job.
For me, Success is when I get a call, and the person on the other end says to me, “I was referred to you for a mortgage loan. My neighbor said that you helped them with their loan. They had great things to say about you. Can you help me?” That is Success.
Licensed in IN
Free guides from Kathleen
First-Time Buyer Guide
Why own, the 7-step path, the document checklist and the do’s and don’ts — read it here, no download.
Where to find Kathleen
Kathleen works out of our Carmel, IN office. Branch NMLS #33041.
What clients say about Kathleen
151 client reviews
Verified client reviews via Experience.com
Kathleen at Advisors Mortgage was a breath of fresh air to work with! She is extremely knowledgeable and took the time to explain every detail to us. The home buying process can be very stressful at times, but Kathleen was always there to reassure and support us. From our first phone call to closing, she was readily available and truly invested in us. We are so thankful for her and her expertise!
Kathleen was tremendous. She made the home loan experience easy, and also made us feel confident along the way. She was highly professional, communicative, and engaging through the process.
Kathleen made this a great and seamless experience. Thank You Kathleen.
Kathleen was wonderful taking the time to make sure we understood everything through the underwriting process. She is extremely attentive and available to assist in whatever way she can. Kathleen helped us buy our first house!
Going through this process is never fun, but it was nice to know all the hard work paid off! . like doing your taxes. It's necessary not fun but the team here held your hand through the entire process explained everything and were able to meet our goals.
Kathleen Singer made a normally hectic and crazy experience feel quick and painless! Her professionalism made her our advisor and our advocate; her personality and compassion made her our friend.
Sorry, I will not. The survey responses will have to suffice. Thank you for your help!
Kathleen was amazing to work with. Kept me posted on the process, reached out to individuals to make sure things are up to date, and made sure all deadlines were met. Overcommunicated throughout the whole process and met an aggressive closing date for us.
Thanks for helping me navigate, Kathleen!
Kathleen was amazing to work with! She made the mortgage process smooth and stress-free, always taking the time to explain everything clearly. She was even available on weekends to answer questions and went above and beyond to make sure we got the lowest rate with the lowest fees. Her professionalism and genuine care really stood out. Highly recommend Kathleen to anyone looking for a knowledgeable and dedicated lender!
Great experience, thanks for all the help!
I had a great experience using Kathleen Singer as our loan officer. She was there every step of the way and made buying our first home as stress free and easy as possible. She was very kind and extremely helpful with all of our questions and concerns.
Kathleen was just hands down the best! She made sure we were taken care of and had the best rates possible.
I had the absolute pleasure of working with Kathleen Singer, my Senior Loan Officer, during the process of securing the loan for my new home—and I truly can’t speak highly enough of her. From start to finish, Kathleen went above and beyond to make sure every detail was handled with care and precision. She was available 24/7, no matter the time or day, always quick to respond to my questions or concerns. Her dedication, patience, and deep knowledge of the loan process made a typically stressful experience feel smooth and manageable. I always felt like I was in great hands. Thanks to Kathleen’s hard work and guidance, I was able to close on my home with confidence and peace of mind. If you're looking for someone who genuinely cares about their clients and is willing to go the extra mile, I wholeheartedly recommend Kathleen Singer. She’s outstanding at what she does!
Kathleen took the time to learn about my mortgage goals and timeline. She provided great advice and reference tools. Kathleen was quick to respond to my questions and if the answers weren't obvious, she promptly made the time to find the answer. I also appreciate Kathleen's willingness to work with my financial team at Raymond James, Executive Financial Planning Group! While this process was detailed and a lot of information was exchanged, my loan application, approval, and closing documentation for the title company made for a successful closing. Kathleen's frequent communication (phone, email & text) was key. Thank you!
Kathleen was on it from the beginning to end. she helped with every single step of the process and made sure i stayed on top of the very quick and stressful process. Luckily she was there to help me through it all.
Great service. Thank you.
Delightful experience all around was quick easy and transparent.
NOITAMROFNINTTTTT
Overall a great experience with Kathleen
kathleen was very informative and helpful.
Kathleen was great today work with. She always reached out to let us know how to handle paperwork and what was needed to get approved. I recommend her to anyone needing a mortgage!
Kathleen was great to work with. Could not have been more pleased with our experience.
Kathleen Singer help me to gather up all the information I needed. She infested her time in researching out many things I needed to do.
The process was very straightforward, communicated well, and Kathleen was very patient and encou throughout the whole process!
Latest market updates
The latest PCE inflation report came in cooler than expected, giving both stocks and bonds a boost. Headline inflation rose just 0.3% for the month, while the year-over-year rate fell from 3.7% to 3.4%, better than forecasts. Core inflation, which excludes food and energy, increased only 0.2% and declined from 3.3% to 3.0% annually.
The softer inflation data could reduce pressure on the Federal Reserve to raise rates immediately. New York Fed President John Williams indicated there is no urgency to act following September’s rate hike, although he still expects another increase may be needed later this year.
One area of concern is consumer finances. The savings rate dropped from 4.6% to 4.1%, its lowest level in four years, suggesting consumers continue to spend while saving less.
The inflation report was encouraging for financial markets and showed meaningful progress toward lower inflation, which could help ease some of the upward pressure on interest rates if the trend continues.
Source: MBS Highway
The housing market is shifting in buyers’ favor as more homes become available and competition eases. Redfin reported that,“Sellers outnumbered buyers by 58% in August, the biggest gap in Redfin’s records, driven by a surge in listings and stagnant demand”.
This is the widest gap since Redfin began tracking in 2013. Also interesting is that housing supply reached its highest level in more than a decade, giving buyers more choices and negotiating power.
Affordability remains a challenge, with mortgage rates around 7% and the median existing-home price rising 1.6% year over year. Pending sales and mortgage applications have declined, as high costs and economic uncertainty keep some buyers on the sidelines. Many homeowners are also hesitant to trade their existing low mortgage rates for higher ones.
In some markets, homes are taking longer to sell, prompting sellers to adjust prices and increase marketing efforts. Buyers with substantial cash or home equity are especially well positioned, although the overall sales pace through August remained largely unchanged from last year.
For buyers who are financially ready, greater selection and less competition offer an encouraging opportunity to find a home that fits their needs and budget.
The Federal Reserve raised its benchmark interest rate by 0.25 percentage points, bringing the target range to 3.75%–4.00%. The Fed made the move because they feel that inflation remains elevated, while consumer spending, business investment and the labor market continue to show resilience. Higher rates are intended to slow demand and help return inflation to the Fed’s 2% goal.
Although the Fed does not directly set mortgage rates, its decisions influence the bond market and investors’ inflation expectations. When the Fed hikes rates it can be seen as deflationary since it makes borrowing money more expensive and slows down the movement of money. Bond investors’ arch enemy is inflation so a push from the Fed to fight inflation can garner more attention from investors to purchase more bonds which would help mortgage rates decrease. However, the comments following the policy change put pressure on the bond market since Fed Chair Warsh’s comments were seen as “thin” and he also mentioned inflation is still hanging around.
If inflation cools and the Fed wins the trust of the markets by continuing to fight inflation, we could see rates have a chance to improve, but if the opposite occurs rates could continue their trend and increase more. Oil is also a large factor and if we can get it to drop in price it could also assist mortgage rates to improve.
Source : Federal Reserve
