Take advantage of just a 3% down payment with no mortgage insurance for purchase of your owner occupied home! If refinancing, rate and term will go to 97% loan to value as well! In some cases, you’ll receive your cost of the appraisal back, up to $525.00!!! Call Michael Mitchell today for more information! 530-406-2200, 707-259-1117 or mobile at 707-337-5970!