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Authors
Katy Baker

Katy Baker

Katy Baker is a content writer for Best Interest Financial and Clever Real Estate, covering a wide variety of real estate topics ranging from mortgages to non-traditional home sales. She's passionate about helping people cut through the noise and make better decisions as they navigate their real estate journeys.

Prior to entering real estate, Katy earned a masters in psychology and worked for a variety of nonprofit human services organizations. She uses her nonprofit background and firsthand experience as a homeowner and real estate investor to create content that both informs and empowers.

Expertise: mortgages and refinancing, first-time home buyers, creative financing strategies, non-traditional home sales
Education: San Diego State University and Pepperdine University
Background: Writer and editor for nonprofits and real estate startups

Featured Published Articles

  • Affording a home right now isn’t easy. The typical age of a first-time home buyer in America is now 40 years old — a record high, up from the late 20s in the 1980s. If you're like a lot of hopeful home buyers, you've been in a holding pattern — browsing local listings, refreshing the…

  • Buying with an FHA loan? Use our lookup tool to find the 2026 FHA loan limits in your county and learn what it takes to qualify.

  • As the name suggests, adjustable-rate mortgages (ARMs) have interest rates that change over time, rather than staying fixed for the life of the loan. Our ARM calculator helps you estimate the potential monthly payment and lifetime costs of an adjustable rate mortgage based on ARM type and loan details. Important ARM terms to know Initial…

  • To a first-time home buyer, a no-closing-cost mortgage can sound like a less expensive way to buy a home. But the name is actually misleading. It doesn’t mean you won’t ever pay for closing costs. It just means you won’t have to pay them upfront along with your down payment. Instead, you’ll pay closing costs…