Call today for program details* Z E RO Downpayment Mortgage •APPRovm,Now® •No PMI •No tax escrow account • First Time Homebuyers, OK • Purchase transactions • Owner occupied •Primary residence • Refinance transactions 1 :4 Karen Newman www. owrateonline.com MORTGAGE FUNDING The Best Mortgage Banker 20475 W. Ten Mile Rd. Southfield, MI 48075 (800) LOW-RATE LENDER 24 • SOURCEBOOK 2002 • JN 569-7283 *Subject to lender guidelines MBA AMKP