You can now purchase new or refinance your existing mortgage up to 90% loan to value in the State of California! This applies to conventional loans only. This will save you on recurring closing costs at time of recording. Keep more money in your pocket and pay your taxes and insurance yourself instead of being forced to make those payments monthly with your new loan. Not all lenders will allow this so call Mitchell Mortgage today and find out how this can help you! 530-406-2200, 707-259-1117 or 707-337-5970 mobile.