 Injured in a car wreck? I'm Johnny Adams, the attorney you need to know. No representation is made that the quality of legal services provided is greater than the quality of legal services provided by other lawyers. Hi there, I'm Kim Williams with Alabama Home Mortgage. And I'm Madeline Cannon. It's true, rates aren't as low as they have been for the past couple of years. But there are still many homeowners that could benefit from refinancing their current mortgage.