ADVISORY/Integrated Mortgage Presents a Free T.I.C. -- Totally Incredible Closing!! -- Seminar.

News Editors/Real Estate Writers

ADVISORY...for Monday (March 1)

--(BUSINESS WIRE)

            Monday, March 1, 2004, from 6:30pm until 8:30pm

WHAT:   Integrated Mortgage Corporation (IMC), a full service San
        Francisco-based direct lender serving the needs of real estate
        professionals, builders, and individual homebuyers throughout
        the Bay Area, will hold a free seminar for real estate agents
        and prospective homebuyers who want to learn more about buying
        Tenants in Common (TIC) property and closing a TIC sale.

WHERE:  Chicago Title
        1929 Market Street (@ Duboce)
        San Francisco
        Free Parking!!

WHEN:   Monday, March 1, 2004
        6:30pm - 8:30pm

RSVP:   RSVP by calling 415.255.2222.  Admission is free of charge,
        but seating is limited.

WHO:    The seminar will feature guest speaker D. Andrew Sirkin, Esq.,
        a Real Estate Attorney, an accredited instructor with the
        California Department of Real Estate, and a recognized expert
        in co-ownership forms including condominiums, TICs, equity
        sharing, and co-housing.  Mr. Sirkin has written two books.
        John Wiley and Sons published his first book, The Equity
        Sharing Manual, in 1994, and Piedmont Press published his most
        recent book, The Condominium Bluebook, in 2002. He has also
        written several articles including "Questions and Answers on
        Tenancy in Common." Mr. Sirkin will take questions from
        audience members.

MORE:   IMC's experienced staff and lending specialists have expertise
        in every area of mortgage lending, from purchase to refinance
        to construction lending, and they are dedicated to finding the
        right loan -- with the best rates, terms and costs -- to meet
        their clients' unique needs. IMC provides regular loan updates
        and progress reports throughout the lending process so clients
        always know the status of their loan. IMC offers a special
        Mortgage Manager service for those considering refinancing
        their mortgage, and now provides all of its exceptional
        mortgage services online -- 24 hours a day. For more
        information about IMC, please call 415.255.2222, or visit
        www.imc4loans.com.