When this program first came out, California was held to 90% loan to value if you wanted to skip having to have impounds for taxes and insurance when closing your loan. We now have a lender who will (on conventional loans only) take that offer to 95% loan to value! This can save thousands at closing and means you can afford a larger loan, or you can save some money for reserves. Call Michael at Mitchell Mortgage today and find out if this helps you for your next purchase or refinance! 707-259-1117, 530-406-2200 or 707-337-5970 mobile.