A Second Trust Deed loan is based on the equity you have in your home.
When you take advantage of this type of loan, you may benefit on your
taxes because often the interest you pay is tax deductible. Be sure to
check with your tax advisor to see if this might be of value to you.

Central State now offers a competitive fixed-rate Second Trust Deed to fill
any financial need that arises. You can use the proceeds from your
Second Trust Deed loan for any worthwhile purpose including home
improvements, educational costs, major investments or even to start your
own small business. Features include:

• A competitive 10 or 15- year fixed rate
• Combined Loan to Value (CLTV) up to 80%
• Limited title insurance
• No origination fee on loan amounts $20,000-$250,000
• Full borrower paid appraisal required

Because of this rapidly fluctuating market, we ask that you e-mail us to
request a loan application and current rates. You can also call Carolyn
at (209) 444-5330, or visit your nearest branch.

*PMI on loans over 80% LTV.