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Whatever your motivation to refinance, we at Kiel Mortgage want to ensure that you understand the benefits and costs of a refinance.We will take the time to understand your situation and find the right program to fit your needs. This is a mortgage in which the interest rate is adjusted periodically based on a pre-selected index.If applicable, include the same information for your second mortgage.Follow that with the interest rate and the number of years you’ll be refinancing at.

Another common reason to refinance is that you wish to access cash from your home’s equity for high interest debt, a remodel or other items.Are you a homeowner looking to simplify the monthly payment you’re making on your home.Perhaps you’re considering a refinancing of your current mortgage to a lower rate, or maybe you’re thinking about consolidating a first and second mortgage into a single mortgage.There are many reasons when refinancing your home may be a wise decision.These reasons include: lowering your interest rate, eliminating Mortgage Insurance, or combining a first and second mortgage into one loan.




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