For some of us retirement could be just around the corner.  There's no time better time than now to align your mortgage loan to your retirement plans. With these accelerated terms and historical low rates, your dreams of being freed of a mortgage payment are within reach.

Best of all there are no points, no fees and no closing costs!

10 Year Fixed	3.375% APR*	0 Points
7 Year Fixed	3.250% APR*	0 Points
5 Year Fixed	3.125% APR*	0 Points

 NEW!  No Closing Costs**

That's right! Not only will you get one of the lowest rates in the industry, but we're also saving you hundreds to thousands of dollars.  

We're Dedicated  to Serving You

Call us today at 626.445.0950 to speak to one of our Mortgage Loan Representatives and see how we can help you refinance your mortgage or apply for your loan online.

* APR=Annual Percentage Rate. Payment example: A $100,000, owner-occupied loan up to 80% LTV with a 5 year term at 3.125% APR has a monthly payment of $1,802.43, a 7 year term at 3.250% APR has a monthly payment of $1,530.58, and a 10 year term at 3.375% APR has a monthly payment of $983.01. Loans are available for primary residence properties, and must be located in the following Southern California counties:  Orange; Los Angeles; San Bernardino; Riverside; San Diego; or Ventura. Rates and terms are as of 10/25/2011, subject to credit approval and subject to change without notice. Some restrictions apply.

** Closing costs paid by the lender include credit report, document preparation, tax service and similar fees. You are responsible for property taxes, insurance, homeowner association dues and for any required down payment, transfer taxes, and owner's title policy on purchases. A Pre-payment fee up to $1,500, if the loan is closed within 24 months.