Proudly serving Ohio & Tennessee
Refinance Solutions We Offer
Every homeowner's situation is different. We'll help you find the right refinance option.
Rate & Term Refinance
Lower your interest rate or change your loan term to save money over time. Ideal for homeowners who want to reduce monthly payments or pay off their home faster.
- Lower monthly payments
- Shorter loan term options
- No cash out required
Cash-Out Refinance
Access your home equity as cash for renovations, debt payoff or investments. Replace your current mortgage with a larger one and receive the difference.
- Access home equity
- Consolidate debt
- Fund major purchases
FHA Streamline Refinance
Simplified refinancing for existing FHA loan holders with less paperwork. Faster approval and minimal documentation required.
- Reduced documentation
- No appraisal required
- Lower closing costs
Is Now a Good Time to Refinance?
Lower Monthly Payments
Reduce your monthly mortgage payment and free up cash for other priorities
Reduce Your Interest Rate
Even a small rate reduction can save thousands over your loan term
Shorten Your Loan Term
Pay off your home faster and build equity more quickly
Access Your Home Equity
Tap into the equity you have built for major expenses
The Refinance Process
Apply
Submit your application with Karinzo
Review
We analyze your current loan and goals
Compare
We find the best refinance options for you
Close
Sign your new loan and start saving
How Much Could You Save?
Use our simple calculator to estimate your monthly savings
Serving Refinance Clients Across Ohio & Tennessee
Ohio
Tennessee
Refinance FAQs
Lower Your Payment
Find Out How Much You Can Save
With rates constantly shifting, a refinance analysis costs nothing and could save you hundreds per month. Kimble will review your current loan, run the numbers honestly, and only recommend refinancing when it genuinely makes sense for you.
Find Out How Much You Can Save
See if refinancing makes sense for your situation — takes 60 seconds.
Ready to Start Saving?
Contact Karinzo Smith today for a free refinance consultation
Karinzo Smith | NMLS #2652699 | Kimble Smith Mortgage powered by NEXA Mortgage NMLS #1660690