Bailey Mortgage, LLC A CHASE Affiliate   July 23, 2008   Lisa Cardoza, Loan Officer "I will assist you in making the right mortgage decision while guiding you through each step of the loan process." 3060 Valencia Avenue, Suite 4 Aptos, CA 95003 Phone: (831) 689-8500 Mobile: (831) 227-9399 Toll Free: (800) 781-9825 Email: lisa.m.cardoza@chase.com   Pre-Qualify Now Driving Directions Contact this Loan Officer     Education   Cabrillo College I have over 15 years of mortgage financing experience.     First-Time Home Buyer Programs   Lending to Self-Employed Borrowers   Home Equity Loans   A variety of products from multiple lenders   No Down Payment Options.     Community Involvement   Santa Cruz Association of Realtors   Ride-A-Wave Advisory Board   Santa Cruz Chamber of Commerce   Aptos Chamber of Commerce Home Shopping? Link to a local Realtor® / Builder site here. Subject to credit and property approval. Terms and conditions subject to change without notice. Not all products available in all states or for all amounts. Other restrictions and limitations apply. © 2001-2007 JPMorgan Chase & Co.