Yeni Kim

Mortgage Broker

Your mortgage tailor blending strategy, comfort, and clarity.

Tailoring Your Mortgage

Amortization – The Length of Your Stitch

Think of amortization as the full timeline of your mortgage — how long it takes to pay it off completely.
Whether you choose a 25-year or 30-year plan, the right “fit” depends on your cash flow and long-term goals.

Term – The Season for Adjustments

Your mortgage term is like a fitting season — typically 1 to 5 years — where your rate and conditions stay set.
When the term ends, it’s time to reassess the fit and make any needed adjustments before the next one begins.

Mortgage Products – The Fabrics We Choose

Each product offers a different texture and feel:

Fixed Rate – Steady and predictable, like a classic wool suit.
Variable Rate – Flexible and dynamic, adjusting as the market moves.
Hybrid / Split Rate – A mix of both — structure on one side, freedom on the other.
HELOC (Home Equity Line of Credit) – Your versatile layer. Access funds when you need them, pay interest only on what you use.

Income Types – Measuring Your Pattern

No two clients have the same financial pattern.
Whether you’re salaried, self-employed, earning commission, or building rental income, we’ll find the right cut to showcase your financial strength — not limit it.

About

Yeni Kim is an independent mortgage broker who believes the best mortgage isn’t just about the lowest rate — it’s about the right fit.

With a background in strategic financing and years of experience across major lenders, Yeni brings clarity and calm to what can often feel like a stressful process.

Her approach is personal, transparent, and intentionally designed — every client, every deal, every detail is measured for comfort and designed for progress.

Whether you’re buying your first home, refinancing to invest, or building a multi-property portfolio, Yeni tailors financing strategies that fit your goals — and your life.