NOW AVAILABLE! I am now offering an Interest Only loan program. With this exciting new program, your monthly payment goes only toward the interest on your loan, and you can pay down principal at any time with no penalty. Call me today at (248) 388-2626 for more details. Welcome and thank you for visiting KimEungard.com. Since 1979, I have served Southeast Michigan homeowners with a simple mission - to provide the best customer service in the mortgage lending business! Whether you're a first time home buyer or ready to refinance, I will guide you through the often difficult and confusing process of acquiring the exact loan to meet your specific needs. Please explore my site to get a feel for the basics of getting a mortgage, then give me a call. Once again, thank you for visiting KimEungard.com. I look forward to the opportunity to serve you.