Mortgage rates are at a 37 year LOW!  I am a licensed real estate agent, but I'm ALSO a loan officer with Bright Vision Mortgage.  I can do Streamline FHA refinances in FL, GA & AL, and conventional loans in VA!  Rates for FHA AND Conventional loans are BELOW 5% with NO POINTS!  If you are looking to refinance or wanting to buy a home in any of the above listed states, visit www.brightvisionmortgage.com and click on loan application in the top right.  Select Valorie Ford as the Loan Officer and fill out the application.  I will start work right away and get you the BEST rate hands down!  Let me help you get the lowest house payment possible!  Look Forward to Working with You!