I'm here in Chico too. I can take a look at what you have and check with the lenders my company works with.
I would need to know the balance of the loan, when you last refinanced, the paper work for the trust and get a credit report which will need to run. I'm sure you don't want to go over everything on the internet so you can call me at 321-5526.
Looking forward to working with you.
People's Choice Brokers