Benefits of Refinancing


  • Lower your monthly payment.
  • Cut the life of your loan in half, without a significant increase in your payment.
  • Switch from an ARM to a Fixed rate and take the surprise out of your mortgage.
  • Get rid of that balloon payment that is hanging over your head.
  • Use your rising equity to consolidate monthly bills and improve your family budget.
  • Take cash out for the pool, vacation, or college education you have been dreaming about.


Should I Refinance?

There are a number of factors that must be weighed when deciding to refinance, most important is your reason for refinancing.

On a straight rate reduction/no cash-out, we usually won't recommend that someone refinances unless they can save at least 1.0 to 1.5 percent over their current interest rate to make up for the cost involved. Refinancing is essentially replacing one mortgage with another and the costs are typically similar to the costs of your original loan. Even a less substantial rate decrease may be worth it to you if you plan on staying in your home for some time.

However, if your goal is to consolidate bills or obtain cash, your savings could be immediate! Even with added cash in their pockets, our customers have saved hundreds – even thousands! – of dollars per month by refinancing with Kings Mortgage Services, Inc.

Every situation is different. If you would like a free mortgage analysis to see if refinancing is right for you, we are pleased to offer you our convenient and secure online application or contact us. We will provide you with all the information you need to make the right decision. There is no obligation, just good information.

NOW is still a great time to refinance your home!

Kings Mortgage Services Inc.

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act - NMLS 264441

Thank you for your interest in our company. Please select from any of the following ways to contact us.


1507 N. 11th Ave.
Hanford, CA 93230
Phone: 559-585-7400
Fax: 559-585-7404
3700 W Mineral King
Visalia CA 93291
Phone: 559-713-1064
Fax: 559-713-1065
2020 High St., Suite A
Selma, CA, 93662
Phone: 559-318-9931
Fax: 559-318-9934
685 W. Alluvial #105 Fresno, CA 93711
Phone: 559-432-5100
Fax: 559-432-2796
136 W. Branch St.
Arroyo Grande, CA 93420
Phone: 805-904-6991
Fax: 805-904-6999
4244 W. Mineral King Avenue
Visalia, California 93291
Phone: 559-713-1200
Fax: 559-713-1275