This is great for buyers, their real estate agents and borrowers who are refinancing their home when their loan to value is higher than 80%. You can have a loan to value on a conventional loan and VA up to 95% loan to value and still not be forced to have impounds for taxes and insurance! Use that money for reserves, or fix up your new home! Call Michael Mitchell today to discuss how this option can help you! 530-406-2200, 707-259-1117 or 707-337-5970 mobile

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