We provide loans in both California,Florida,Texas and Hawaii

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)                       Jumbo (>$417,000) ________________________________________________________________ 5.625 % APR 5.625%      30 yr fixed                5.75%      APR6.0%        30 yr fixed 5.25%  APR5.375%       15 yr fixed                 5.425%      APR5.25%        3 yr ARM 5.0%  APR5.0%          5 yr ARM                   4.875%       APR5.12%      6 month ARM 4.875%  APR4.876%     3 yr ARM                   5.625%     apr 5.25%    5 yr ARM ______________________________________________________________________________ ** The above rates are for May 9, 2008 for 0 points. Rates are subject to change. Actual rates depend on income qualification, loan amount, loan to property value ratio, and credit score.

-  No closing cost 2nd loan -  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 Venstar Investment Email: jenniferbi8@sbcglobal.net www.jenniferbi.com