Have you found a home that's almost, but not quite what you want? Make it your dream home with Mortgage Renovation Plus, an innovative home loan that finances your new home plus the costs of remodeling or renovation.

For example, Mortgage Renovation Plus can finance:

• A state-of-the-art media room
• The kitchen you've always dreamed of
• New floors or carpeting
• A deck, Jacuzzi or swimming pool

A Mortgage Renovation Plus loan is just like any other home loan, with an additional, separate account for your renovation costs. Payments will be made directly to the contractor through your renovation account.

Flexible fund for refinancing, second homes and investment properties

The flexible loan program is also available as refinancing so you can renovate your existing home while lowering your interest rate. MRP is also the ideal financing for a second home or investment property that needs repairs or redecorating.

For more information, contact:
YAKIMA 509.972.0333
ELLENSBURG 509.925.6696

*Renovations must be completed by a general contractor or builder with appropriate experience. Loans for less than $50,000 or over $300,700 will be processed under the guidelines for a One-Time Close loan. Ask your broker for details. Loans subject to credit approval.

If you're planning to build your next home, ask me about One-Time Close. This home financing program combines your new home's construction costs and permanent financing into one convenient loan. This means only one approval, processing, and closing is required — benefits that save you time and money.

Other One-Time Close features include:

• No duplicate closing costs
• Low down payments
• Multiple permanent financing options, including both fixed and adjustable rates
• You may enjoy potential tax savings during your home's construction*

For more information, call:
APPLY VALLEY MORTGAGE
509.925.6696

*Consult your tax advisor for details of your potential tax savings. Loans subject to credit approval.