Office 818-773-0033 Fax 818-773-0943 www.effective-mortgage.com January 2011 The Monthly Bulletin Effective Mortgage Company 8535 Reseda Blvd. - Northridge, CA. 91324 Bijan Vaziri and Leila Vaziri NOTICE: This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or data is subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or data is subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Verify Licensing www.nmlsconsumermortgage.com [email protected] Loan Consultant - NMLS# 252973