Beryl Z Realty offers a range of real estate services and assists clients throughout the home buying process including moving-in and relocation. Beryl Z Realty lists the properties in newspapers, realtor magazines, Multiple Listing Services, local cable and the Internet. Operating in New York, the agency also provides information on schools, housing and demographics. Based on a client s current and calculated mortgage payments, Beryl Z estimates the monthly savings and also compares the client s principal balance in five years with and without refinancing. Based on the total cost to refinance, a break-even period is calculated in relation to the monthly savings. The time value of money and income tax deductions are not considered in this refinance calculation.