Luther Hanes

Realtor and Sr. Mortgage Consultant

North State Financial, Inc.

325 Towne Centre Terrace - Suite a

Brentwood, Ca 94513

Direct 925-234-5838 Fax 925-240-7848

Hi I’m Luther Hanes, If you are considering a refinance on your existing home loan, or second mortgage, you might consider combining your current 1^st and 2^nd mortgages into a new fixed rate low interest mortgage. Mortgage rates are still very low. If this sounds good to you, please accept my invitation and allow me the opportunity to assist you. I am well versed in current loan opportunities and can tailor a package to meet your specific needs. Maybe you would like to reduce your current interest rate and take advantage of a 40-year low in mortgage rates. As a licensed real estate agent, I’m able to help you find a new home or even a rental property! I would like to be your personal agent for all your real estate needs.

Current mortgage rates and unique loan programs available today are fantastic. Most loans offer a no cost and no point option. I will work on your behalf to secure the best mortgage and financial solution to benefit you! Refinancing your existing mortgage is quick and painless and perhaps, you know someone who could use my expertise. I would appreciate your referral and Please feel free to call me anytime and allow me the opportunity to assist you with your home loan needs, or even to say, “Hello,” I would love to hear from you.