<BR><input type=hidden name="b_FDCStyle" value="0"><script language="javascript" src="/templateroot/js/skmMenu.js"></script> <!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN" > <HTML> <body id="TemplateBody" MS_POSITIONING="FlowLayout" LeftMargin="0" TopMargin="0"> <table id="ControlTemplate" cellspacing="0" cellpadding="0" align="Center" Align="left" border="0" bgcolor="#FFFFFF" style="Width:760;"> <tr> <td align="Left" valign="Top" colspan="3" bgcolor="#FFFFFF" height="0" width="760">  <span id="_ctl0_lblHeadTags"> <HEAD> </HEAD> <span id="_ctl0_HeadTag_MetaTags_TitleTag"><title>Horizon Home Loans :: Answers to Your Mortgage Questions</title></span> <span id="_ctl0_HeadTag_MetaTags_DescriptionTag"><meta name="description" content="Horizon Home Loans,Keith Nelson, San Diego,CA,92116"></span> <span id="_ctl0_HeadTag_MetaTags_KeywordsTag"><meta name="keywords" content="Horizon Home Loans,Keith Nelson, San Diego,CA,92116"></span> <span id="_ctl0_HeadTag_GlobalStyles"><LINK 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Now!</font></a><br>4134 Adams Ave<br>Suite 11<br>San Diego, CA 92116<br></span></td> </tr><tr> <td colspan="2"> <table id="_ctl0__ctl2_NavTable" cellspacing="0" cellpadding="0" border="0" bgcolor="#999999" width="100%"> <tr id="_ctl0__ctl2_navRow"> <td id="_ctl0__ctl2_MenuCell" align="Left" height="10" width="100%"><font color="#FFFFFF"><table class="barnavsubitems" cellspacing="2" cellpadding="2" id="_ctl0__ctl2_NavigationMenu-menuItem001-subMenu" border="0" bgcolor="#999999" style="display:none;z-index:1002;"> <tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem001-subMenu-menuItem000" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/Data/Connection/cnnRateRouter.asp?pvlid=14540';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem001-subMenu'), true, '');this.style.backgroundColor='#999999';" 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onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem003-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#999999';" style="cursor:pointer;"><font color="#FFFFFF">Prequalify Now</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem003-subMenu-menuItem001" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/leadforms/prequalsf.asp?pvlid=14540';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem003-subMenu'), true, '');this.style.backgroundColor='#999999';" 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onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/Data/Connection/cnnApplicationRouter.asp?pvlid=14540';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem005-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#999999';" style="cursor:pointer;"><font color="#FFFFFF">Apply Online</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem005-subMenu-menuItem001" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/leadForms/appSF.asp?ArticleID=1193&pvlid=14540';" 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Process</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem005-subMenu-menuItem004" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/Calculators/buyVsRent.asp?pvlid=14540';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem005-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#999999';" style="cursor:pointer;"><font color="#FFFFFF">Buy vs Rent Calculator</font></td> </tr> </table><table class="barnavsubitems" cellspacing="2" cellpadding="2" id="_ctl0__ctl2_NavigationMenu-menuItem007-subMenu" border="0" bgcolor="#999999" style="display:none;z-index:1008;"> <tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem007-subMenu-menuItem000" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/articles/howDoIBuyAHome.asp?pvlid=14540&category=research';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem007-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#999999';" style="cursor:pointer;"><font color="#FFFFFF">Buying a Home</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem007-subMenu-menuItem001" 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this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#999999';" style="cursor:pointer;"><font color="#FFFFFF">Loan Programs</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem007-subMenu-menuItem004" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/Articles/Refinance.asp?PVLID=14540';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem007-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#999999';" style="cursor:pointer;"><font color="#FFFFFF">Refinance</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem007-subMenu-menuItem005" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/articles.asp?PVLID=14540';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem007-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#999999';" style="cursor:pointer;"><font color="#FFFFFF">More ></font></td> </tr> </table><table class="barnavsubitems" cellspacing="2" cellpadding="2" id="_ctl0__ctl2_NavigationMenu-menuItem009-subMenu" border="0" bgcolor="#999999" style="display:none;z-index:1010;"> <tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem009-subMenu-menuItem000" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/Calculators/Payment.asp?pvlid=14540';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem009-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#999999';" style="cursor:pointer;"><font color="#FFFFFF">Monthly Payment</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem009-subMenu-menuItem001" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/Calculators/Amortization.asp?pvlid=14540';" 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onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#999999';" style="cursor:pointer;"><font color="#FFFFFF">Refinance Analysis</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem009-subMenu-menuItem003" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/Calculators/mortgageLength.asp?pvlid=14540';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem009-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#999999';" style="cursor:pointer;"><font color="#FFFFFF">Extra Payments</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem009-subMenu-menuItem004" onclick="javascript:skm_closeSubMenus(document.getElementById('_ctl0__ctl2_NavigationMenu'));location.href='http://rws.rwstools.com/templateroot/Calculators/paypoints.asp?pvlid=14540';" onmouseover="javascript:skm_mousedOverMenu('_ctl0__ctl2_NavigationMenu',this, document.getElementById('_ctl0__ctl2_NavigationMenu-menuItem009-subMenu'), true, '');this.style.backgroundColor='#999999';" onmouseout="javascript:skm_mousedOutMenu('_ctl0__ctl2_NavigationMenu', this,'');this.className='';this.style.backgroundColor='#999999';javascript:this.style.backgroundColor='#999999';" style="cursor:pointer;"><font color="#FFFFFF">Paying Points</font></td> </tr><tr> <td nowrap="nowrap" id="_ctl0__ctl2_NavigationMenu-menuItem009-subMenu-menuItem005" 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valign="Top" bgcolor="#FFFFFF" height="200" width="140">  <table id="_ctl1_TemplateSide" cellpadding="0" cellspacing="0" border="0" width="100%"><tr><td> <table id="_ctl1_contactTable"> <tr> <td class="pad" bgcolor="#efefef"><span id="_ctl1_ContactInfoSide1_ContactInfo">4134 Adams Ave<br>Suite 11<br>San Diego, CA 92116<br>Tel: (619) 280-2888  <br>Fax: (619) 280-4222<br></span> </td> </tr> </table> <table id="_ctl1_menuTable" align="Left" border="0" bgcolor="#EFEFEF" width="140"> <tr> <td class="button" onMouseOver="this.className='buttonover'" onMouseOut="this.className='button'" onclick="document.location='/templateroot/Articles/Application.asp?PVLID=14540'" bgcolor="#FFFFFF"><img src="/templateroot/images/template0/diamond.gif" alt="Application" width="8" height="7" hspace="6" align="absmiddle"><a href="http://rws.rwstools.com/templateroot/Articles/Application.asp?PVLID=14540"><font color="#FFFFFF">Application</font></a></td> </tr><tr> <td class="button" 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/>  <table width="100%" border="0"> <tr> <td class="pad"> <span id="_ctl3_lblCompanyName">Horizon Home Loans</span> can help you find the answers to your mortgage questions with hundreds of informative articles and interactive tools. <p><a id="_ctl3_ApplyOnline" href="/templateroot/Apply.asp?pvlid=14540" style="text-decoration:none;font-weight:bold;"><font color="#000000">Apply Online</font></a><br> <IMG height="7" alt="Apply Online" src="images/sep.gif" width="445"><br> Fill out our <a id="_ctl3_secureloanapplication" href="/Data/Connection/cnnApplicationRouter.asp?PVLID=14540"><font color="#000000">secure loan application</font></a> to begin the process. If you're pressed for time, you can also use our <a id="_ctl3_quickapp" href="/Data/Connection/cnnQuickAppRouter.asp?PVLID=14540"><font color="#000000">quick app</font></a> or request an <a id="_ctl3_applicationpackage" href="/templateroot/LeadForms/AppSF.asp?PVLID=14540"><font color="#000000">application package</font></a> . <p><a id="_ctl3_PrequalifyNow" href="/Data/Connection/cnnPrequalRouter.asp?pvlid=14540" style="text-decoration:none;font-weight:bold;"><font color="#000000">Prequalify Now</font></a><br> <IMG height="7" alt="Prequalify Now" src="images/sep.gif" width="445"><br> Prequalify before you buy or refinance.  <a id="_ctl3_Starttheapprovalprocess" href="/Data/Connection/cnnPrequalRouter.asp?pvlid=14540"><font color="#000000">Start the approval process</font></a> today. Enter your income and debt to find out what type of home is in your budget. <p><a id="_ctl3_InterestRates" href="/Data/Connection/cnnRateRouter.asp?pvlid=14540" style="text-decoration:none;font-weight:bold;"><font color="#000000">Interest Rates</font></a><br> <IMG height="7" alt="Interest Rates" src="images/sep.gif" width="445"><br> Browse through our <a id="_ctl3_currentinterestrates" href="/Data/Connection/cnnRateRouter.asp?pvlid=14540"><font color="#000000">current interest rates</font></a> and learn which program is best for your particular needs. <p><a id="_ctl3_MortgageLibrary" href="/templateroot/Articles.asp?pvlid=14540&ArticleID=1038" style="text-decoration:none;font-weight:bold;"><font color="#000000">Mortgage Library</font></a><br> <IMG height="7" alt="Mortgage Library" src="images/sep.gif" width="445"> Find a wealth of mortgage information about <a id="_ctl3_credit" href="/templateroot/Articles/Credit.asp?PVLID=14540"><font color="#000000">credit</font></a>, <a id="_ctl3_loanprograms" href="/templateroot/Articles/LoanPrograms.asp?pvlid=14540"><font color="#000000">loan programs</font></a>, <a id="_ctl3_refinancing" href="/templateroot/Articles/refinance.asp?PVLID=14540"><font color="#000000">refinancing</font></a> and more to help you through the mortgage process. <p><a id="_ctl3_MortgageCalculators" href="/templateroot/calculators.asp?pvlid=14540" style="text-decoration:none;font-weight:bold;"><font color="#000000">Mortgage Calculators</font></a> <br> <IMG height="7" alt="Mortgage Calculators" src="images/sep.gif" width="445"><br> Try out our interactive <a id="_ctl3_calculators" href="/templateroot/calculators.asp?pvlid=14540"><font color="#000000">calculators</font></a>. 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