SDGF24

18 Let’s talk about your home loan 1 options • Purchase a home • Refinance your current home loan • Access your existing home equity • Purchase a second home or investment property CONTACT ME TO GET STARTED BILLY CAFCULES Assistant Vice President Mortgage Lender M | 858-692-9698 E | billy.cafcules@calbt.com NMLS #1485046 1. All loans subject to credit approval; terms and conditions apply. Contact a local branch for full details. A division of Zions Bancorporation, N.A. Member FDIC QUALITY SERVICE EXPERIENCE INNOVATION Chairs to China Linens to Lighting Tables to Tents sales-sd@bright.com | 858.496.9700 | bright.com Los Angeles • Orange County • Palm Springs • Santa Barbara • San Diego • West Los Angeles Healdsburg • Saint Helena • San Francisco • Sonoma Austin • Dallas • Houston • San Antonio • Phoenix