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Pat Mertz Esswein

Associate Editor
Kiplinger's Personal Finance

Esswein joined Kiplinger in May 1984 as director of special publications and managing editor of Kiplinger Books. In 2004, she began covering real estate for Kiplinger's Personal Finance. She writes about the housing market, buying and selling a home, getting a mortgage, and home improvement. Prior to joining Kiplinger, Esswein wrote and edited for Empire Sports, a monthly magazine covering sports and recreation in upstate New York. She holds a BA degree from Gustavus Adolphus College, in St. Peter, Minn., and an MA in magazine journalism from the S.I. Newhouse School at Syracuse University.

Latest Features

Small Business
April 2017

Small-Business Success Story: Chicken Salad Chick Shares a Taste of the South

Her obsession with chicken salad launched a fast-casual restaurant franchise.

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Buying & Selling a Home
April 2017

Housing Outlook, 2017: Home Prices Keep Climbing

But as mortgage rates ratchet up, homes will be less affordable, tamping down sales and home-price growth in many cities.

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Mortgages & Refinancing
March 2017

The Outlook for Mortgages, 2017

Mortgage credit remains tight with the best rates available only to those with stellar credit scores.

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Small Business
March 2017

Small-Business Success Story: The Junkluggers

His company profits by picking up your castoffs and donating or recycling them.

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QUIZ
February 2017

How Smart a Home OWNER Are You?

Even if you're not into sweat equity, your home and yard need routine maintenance. The pay off? You'll reduce the need for bigger and more expensive repairs over the long run, save money by increasing...

See More From: Home Remodeling & Maintenance

Home Remodeling & Maintenance
February 2017

Mortgages & Refinancing
February 2017

It Just Got a Bit Easier to Buy a Higher-Priced Home

The limits on conforming home loans have risen for the first time in 10 years.

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Small Business
February 2017

Small-Business Success Story: AcousticSheep Headphones

They’re soft and lightweight, and they let you rest easy on your pillow.

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Small Business
January 2017

Small-Business Success Story: Crafting Down-Home Brews

They use pecans, honey, sweet potatoes and other Mississippi ingredients in their beer.

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Mortgages & Refinancing
December 2016

Mortgage Outlook: Mostly Good News

Interest rates could rise, but down payments are manageable.

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Small Business
December 2016

Small-Business Success Story: Copia

Komal Ahmad's app connects food purveyors with groups that make good use of excess food.

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QUIZ
December 2016

How Smart a Home BUYER Are You?

The more you know about the home-buying process, the more money, time and hassle you'll save -- no matter what the current real estate market is doing.

Here are 10 questions to see how pr...

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Small Business
November 2016

Small-Business Success Story: Man Crates, For the Man Who Has Everything

This company offers trendy alternatives to ties, shirts and run-of-the-mill gift cards.

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Technology
November 2016

A Smarter Way to Heat and Cool Your Home

Learning thermostats adapt to your preferences to keep you comfy—and trim your utility bills.

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Buying & Selling a Home
November 2016

This Couple's Patience Helped Them Survive the Housing Bubble

Rather than try to sell a home with an underwater mortgage, they stuck it out until they could eventually turn a profit.

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SLIDE SHOW
February 2017

8 Things Home Buyers Hate

As a home seller, you don’t want to let the small stuff sabotage your sale. These eight problems are among the biggest buyer turn-offs, and most of them are easy to fix without spending a ton of money. ...

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Estate Planning
October 2016

How to Plan Your Own Funeral

The best way to plan your funeral is to do it yourself, even if you won’t be there. Your loved ones will be eternally grateful.

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