A New Year Begins

	A bowl of warm soup, a crackling fire and a stack of good books or DVDs — January's cool weather is a great excuse to stay inside and snuggle up!
	Just the facts ... Also in January ... • Elvis Presley, Dick Cheney, Stephen Hawking and Benjamin Franklin were all born in January. • On January 11, 1935, Amelia Earhart became the first person to fly solo from Hawaii to California. • The Roman god Janus, who lent his name to the month of January, is pictured with two faces: one looking back over the old year, and one looking ahead to the new one. • The Lakota Indians called the full moon in January the Hardship Moon, for the difficulty the cold brings and the gloom caused by the dark, cold days. • Martin Luther King, Jr. Day — January 16 • Chinese New Year — January 23 • National Birth Defects Prevention Month • National Book Month • National Eye Care Month

Mark Ott Loan Officer W.J. Bradley Mortgage Capital, LLC Office: 928-775-9330 Cell: 928-713-9639 Fax: 928-775-9331 NMLS: 189552 License: BK-0903998 Contact Me My Website

© 2012 W.J. Bradley Mortgage Capital, LLC 6465 Greenwood Plaza Blvd, Suite 500, Centennial, CO 80111 Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the property of W.J. Bradley Mortgage Capital, LLC. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. WJB is not acting on behalf of or at the direction of HUD/FHA or the federal government. AZ License # BK-0903998; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act RML# 4131002; To check the license status of your CO Mortgage Broker, visit www.dora.state.co.us/real-estate/index.htm; Colorado Supervised Lender License #991424; Florida Mortgage Lender Servicer license #MLD738; ID Mortgage Broker License No. MBL-2803; IL Residential Mortgage Licensee – License #MB.6760738, 6465 Greenwood Plaza Blvd., Suite 500, Centennial, CO 80111; MN Residential Mortgage Originator License No. 20447094; NV Mortgage Banker License No. 2061; NV Mortgage Broker License No. 504; NM Mortgage Loan Company and Loan Broker Act Reg. No. 01856; OK Mortgage Broker- License No. MB001365; OR Mortgage Lender License No. ML-776; TX Mortgage Banker Reg. No. 74182; UT Mortgage Lender Company License No. 5495659-NMLC; Utah Consumer Credit Notification; Vermont Lender License #6141; WA Consumer Loan License No. CL-3233; Wisconsin Mortgage Banker License No. 699991. NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3233.