Need a loan?

Do you need a loan for something? I am hoping we will soon. We have been renting for 4 or so years now, and we would soon love to buy our own home. Josh's business is going well and we have plenty of work, and since we know God is awesome, we expect to have work well into winter! With all this extra income we will hopefully have enough money to have a decent down payment and own a home in the next year or two. California mortgage refinance looks like a place we could try to get a loan from. They promise low rates and straight answers!