Naud Robinson       831.621.7976        800.581.4506

   John Knowles         831.970.1231        800.804.9096 

	Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer.
	Applying for a loan? Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.
	Encrypted Page.  We look forward to working with you. Please input your application and it will be downloaded to our processing folder. We will review the application with you at your earliest convenience.

• NBI Notes:
• Fed increases benchmark spread
• to + .50% 2-18-2010  spread is now  .25 - .75 
• No affect on market to 3-15-2010
• Rates tic up and down since 3-16-2010
• Rates ease 6-1-2010
• Rates stabilize 7-2-2010
• Rates ease 7-15-2010