We provide loans in whole state of California

Serving as your loan agent, we offer below market mortgage rates ** No Points, No Cost, No Prepay Penalty for Refinance and Purchase

Conforming (< $417,000)                Conforming Plus (>$417,000 & <$729,500) _________________________________________________________________ 4.75%           30 yr fixed                       4.875%   APR4.9        30 yr fixed 4.25%           15 yr fixed                       4.5%      APR4.625         15 yr fixed 3.5%             5 yr ARM                        3.99%     APR 3.48        5 yr ARM ___________________________________________________________________________________ Super Jumbo >$729500 4.125%          3 yr ARM The above rates are for Feb. 10, 2010 for 0 points with closing cost. Rates are subject to change. Actual rates depend on income qualification, loan amount, loan to property value ratio, and credit score.

-  Offer referral fee for every referral you bring us! - We can close purchase loans in 2 weeks.

Other Special loan pregrams available

Serving both as your home-purchase and loan agent, we will give you rebate OR offer you no closing cost deeply discounted mortgage rates.

Jennifer Bi         M.S. degree Real Estate Broker Toll free: (866) 428-3100 Direct: (925) 487-0689 Email: jenniferbi8@sbcglobal.net www.jenniferbi.com