Refinancing is a big decision. On the surface, it may seem like it's just a matter of saving a few percentage points. But with today's wide range of programs, it just isn't that simple. The best mortgage brokers take the time to get to know you and learn about your financial goals. Only by doing so can they can best advise you on which programs are most to your advantage. When you are a Kim Eungard client, you can be assured that your own short- and long-term goals help dictate which program will fit you best. I bring a wealth of experience to the table, so I am familiar with every step of the process involved in every program. Want to reduce your monthly payments? Want a shorter term loan to pay off your home faster? Want to use the equity in your home for remodeling or college tuition? I offer a wide range of refinance loan options on primary residences, second/vacation homes and investment properties. The most common reasons to refinance: To lower your monthly payments For the security of a fixed rate loan To move to an ARM for short-term savings To take cash out of your home's equity To eliminate mortgage insurance Overall there are as many reasons to refinance as there are loan options. I will walk you through all the options available to you and give you helpful advice on things to consider.