GIFT CARD SPECIAL LIMITED OFFER   * Rates and terms subject to change without notice. O.A.C. Minimum loan amount, and or purchase price of $100,000.00 is required. Call for details. You must mention this email special when submitting your application. Not valid for loans or real estate transactions already in process. Newport Bay Mortgage, Inc is proudly licensed with the California Department of Real Estate 01119778. Offer Ends 05/30/2006