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REFINANCE YOUR HOME NOW! 
EVEN IF YOU OWE MORE THAN IT IS WORTH!
We have the NEW HARP Refinance Programs!

- Unlimited loan to value on fixed rate loans
- Flexible credit scores on primary residences 
- CALL us for more details and to start saving Today!







USDA - 100% Financing
NO DOWN PAYMENT

The major benefits are:

• 100% mortgage loan to value based on the APPRAISED value.
• ZERO down payment and there is no minimum contribution required.
• No limit on seller concessions or gift.
• No mortgage insurance required.
• No reserves required.
• Flexible Credit Guidelines.
 


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Frank J. Luckino - California Real Estate Broker #01742050, Mojave Mortgage Group NMLS# 349304, Phone (760) 365 0444
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