Purchase

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" colspan=2 height=165 BGCOLOR="#99CC66" TEXT="#080000"> <div> <FONT SIZE="5" COLOR="#009900" FACE="Times New Roman" ><A HREF="index.htm" TARGET="_top" TITLE="Mortgage Finance and Home Loans"><I><B><IMG SRC="109dc5b0.png" border=0 width="220" height="91" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A><I><B>Mortgage Finance and Home Loans</B></I></FONT><I><B>    </B></I><I><B> |     </B></I><A HREF="index.htm" TARGET="_top" TITLE="Mortgage Finance and Home Loans"><I><B>home</B></I></A></div> <div> <A HREF="id15.htm" TARGET="_top" TITLE="Loan Information"><I><B>Loan Information</B></I></A><I><B>   |   </B></I><I><B>Purchase</B></I><I><B>   |   </B></I><A HREF="id16.htm" TARGET="_top" TITLE="Refinance"><I><B>Refinance</B></I></A><I><B>   |   </B></I><A HREF="id59.htm" TARGET="_top" TITLE="Loan Options"><I><B>Loan Options</B></I></A><I><B>   |   </B></I><A HREF="id21.htm" TARGET="_top" TITLE="Loans 101"><I><B>Loans 101</B></I></A><I><B>   |   </B></I><A HREF="id19.htm" TARGET="_top" TITLE="Construction Loans"><I><B>Construction Loans</B></I></A><I><B>   |   </B></I><A HREF="id61.htm" TARGET="_top" TITLE="Income Property"><I><B>Income Property</B></I></A><I><B>   |   </B></I><A HREF="id17.htm" TARGET="_top" TITLE="Commercial Loans"><I><B>Commercial Loans</B></I></A><I><B>   |   </B></I><A HREF="id18.htm" TARGET="_top" TITLE="Self Employed"><I><B>Self Employed</B></I></A><I><B>   |   </B></I><A HREF="id38.htm" TARGET="_top" TITLE="Quick Quote"><I><B>Quick Quote</B></I></A><I><B>   |   </B></I><A HREF="id3.htm" TARGET="_top" TITLE="Loan Application"><I><B>Loan Application</B></I></A><I><B>   |   </B></I><A HREF="id39.htm" TARGET="_top" TITLE="Fax Application"><I><B>Fax Application</B></I></A><I><B>   |   </B></I><A HREF="id29.htm" TARGET="_top" TITLE="Current Rates"><I><B>Current Rates</B></I></A><I><B>   |   </B></I><A HREF="id31.htm" TARGET="_top" TITLE="Prequalify"><I><B>Pre-qualify</B></I></A><I><B>   |   </B></I><A HREF="id20.htm" TARGET="_top" TITLE="Selling Your Home"><I><B>Selling Your Home</B></I></A><I><B>   |   </B></I><A HREF="id56.htm" TARGET="_top" TITLE="About Us"><I><B>About Us</B></I></A><I><B>   |   </B></I><A HREF="id2.htm" TARGET="_top" TITLE="Meet the Staff"><I><B>Meet the Staff</B></I></A><I><B>   |   </B></I><A HREF="id4.htm" TARGET="_top" TITLE="Location"><I><B>Location</B></I></A><I><B>   |   </B></I><A HREF="id6.htm" TARGET="_top" TITLE="Contact Us"><I><B>Contact Us</B></I></A><I><B>   |   </B></I><A HREF="id22.htm" TARGET="_top" TITLE="Loan Calculator"><I><B>Loan Calculator</B></I></A><I><B>   |   </B></I><A HREF="id28.htm" TARGET="_top" TITLE="Closing Cost"><I><B>Closing Cost</B></I></A><I><B>   |   </B></I><A HREF="id62.htm" TARGET="_top" TITLE="Apply Now"><I><B>Apply Now</B></I></A><I><B>   |   </B></I><A HREF="id63.htm" TARGET="_top" TITLE="How do I get started? "><I><B>How do I get started? </B></I></A></div> <bR> <div> </div> </td> </tr><tr> <td valign="top" width=20.625% BGCOLOR="#FFFFCC" TEXT="#080000" bgproperties="fixed" background="193ab090ezwnvf.jpg"> <bR> <div> <I><B><IMG SRC="0ec925f0.jpg" border=0 width="146" height="95" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></div> <div> <A HREF="id60.htm" TARGET="_top" TITLE="Purchase"><I><B><IMG SRC="0cf92290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="3"></B></I></A><A HREF="id35.htm" TARGET="_top" TITLE="Second Mortgage"><I><B><IMG SRC="0d492290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="2"></B></I></A></div> <div> <A HREF="id30.htm" TARGET="_top" TITLE="Line of Credit"><I><B><IMG SRC="0d992290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="2"></B></I></A></div> <div> <A HREF="id16.htm" TARGET="_top" TITLE="Refinance"><I><B><IMG SRC="0d792290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A></div> <div> <I><B><IMG SRC="0dd92290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"><IMG SRC="0e092290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></div> <div> <A HREF="id17.htm" TARGET="_top" TITLE="Commercial Loans"><I><B><IMG SRC="0db92280.jpg" border=0 width="146" height="40" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A></div> <div> <A HREF="id55.htm" TARGET="_top" TITLE="VA"><I><B><IMG SRC="0e292290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A></div> <bR> </td> <td valign="top" height=315 width="100%" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I><B>Purchase</B></I></div> <div> <IMG SRC="15ec8850.jpg" border=0 width="200" height="133" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <div> <I><B>There are many factors to consider as you begin looking to buy a home. While they vary in significance from person to person, in general, people want to find a nice house in a nice area for a nice price. To be more specific, you need to consider the following:</B></I></div> <bR> <div> <I><B>*</B></I><I><B> What kind of area do you want to live in: City, suburban or rural</B></I></div> <div> <I><B>*</B></I><I><B> What is the size of home you need? The size you want?</B></I></div> <div> <I><B>*</B></I><I><B> Are you willing to commute to work and, if so, how far?</B></I></div> <div> <I><B>*</B></I><I><B> How long will you live there? (Remember to factor in growing in your career.)</B></I></div> <div> <I><B>*</B></I><I><B> Do you like the neighborhood?</B></I></div> <div> <I><B>*</B></I><I><B> What about the quality of the schools?</B></I></div> <div> <I><B>*</B></I><I><B> What are the local amenities: Shopping, restaurants, churches, medical facilities, freeway access, proximity to an airport or train station, etc.?</B></I></div> <div> <I><B>*</B></I><I><B> What are the anticipated expenses, such as property taxes, city easements, new appliances, etc.?</B></I></div> <div> <I><B>*</B></I><I><B> Does your lifestyle fit or adapt to owning a home?</B></I></div> <bR> <div> <I><B>Think about these questions very carefully. You are ready to start house hunting when you can realistically answer each of them.</B></I></div> <bR> <div> <I><B>We have years of experience working with first time and experienced home buyers. Please call or e-mail us at any time if you have any questions.</B></I></div> <bR> </td> </tr></table></body>