Bailey Mortgage, LLC A CHASE Affiliate   July 23, 2008   Maria Elena Alvarez, Loan Officer "I take pride in my ability to find the best program for each buyer's particular needs." 3060 Valencia Avenue, Suite 4 Aptos, CA 95003 Phone: (831) 689-8500 Fax: (831) 689-9511 Mobile: (831) 840-0728 Email: maria.e.alvarez@chase.com   Pre-Qualify or Apply Online Now Driving Directions Contact this Loan Officer Foreign Language Proficiency   Spanish I have over 3 years of mortgage financing experience.     First-Time Home Buyer Programs   Lending to Borrowers with Limited Credit History   Fixed-Rate and Adjustable Rate Mortgages   Home Equity Loans   A variety of products from multiple lenders   No Down Payment Options. 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.