Refinancing: Real Answers

Before you refinance, you should know the answers to the following questions. Being well-informed will help you make the best decision. Kingdom First is happy to give you the information you need.

What questions should I ask myself before I refinance?

You should ask yourself four core questions before you decide whether to refinance. 

How long will I be in my home?
How much equity do I already have in my home?
How much will my closing costs be?
Will my lower payments make up for those closing costs?

If those answers make financial sense, Kingdom First can help you refinance your home at a great low interest rate. You can also call us at (732) 634-1000 for expert refinancing assistance.

What are these no-cost refinances I hear about?

There’s no such thing as a “no-cost” refinance. Sadly, this is a ‘bait and switch’ tactic many lenders use to get you in the door - they either roll these costs into your balance, or absorb them and give you a higher mortgage rate. Kingdom First believes in putting everything out on the table - our honesty serves to provide you the lowest possible mortgage rate and the best long-term deal.

So will refinancing my home benefit me?

Kingdom First is dedicated to being your refinancing ally. We provide you with all the terms, facts, numbers and options that you’ll need to make an educated decision. If refinancing isn’t right for you at this time, we’ll tell you - to us, honesty will always be the most important aspect of our business. If refinancing is a good option for you, we’re more than happy to help.

For more information about refinancing, visit our Frequently Asked Questions page. You can also call us at (732) 634-1000 or call Chris directly at (732) 672-6455.

Here to Help

With our help, you can feel confident starting your personal loan or refinancing process.

Why Kingdom First?

From our rates to our principles, Kingdom First is committed to making the word ‘integrity’ mean something again. 


"There were no hidden costs and no small print. The team at KFM was always professional and treated us like family.”

− Sam Rose,

Refinance Customer

Sam Rose

| Refinance Customer

"We were trying to refinance our home for the best possible interest rate, with little out of pocket expenses. We approached several banks and brokers; however, none came close to Kingdom First Mortgage. KFM worked so hard to find the lowest rate with very little out of pocket expense.  There were no hidden costs and no small print. The team at KFM was always professional and treated us like family. It was an exceptional experience. I would strongly recommend Kingdom First Mortgage for any of your mortgage needs!"