RE: (a) Credit Agreement between Owens Financial Group, Inc., as Borrower, and California Bank & Trust, First Bank, and City National Bank, as Lenders, dated August 31, 2001, as amended, for Revolving Loans up to $20,000,000 and Swing Loans

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OWENS MORTGAGE INVESTMENT FUND A CALIF LTD PARTNERSHIP

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Title: RE: (a) Credit Agreement between Owens Financial Group, Inc., as Borrower, and California Bank & Trust, First Bank, and City National Bank, as Lenders, dated August 31, 2001, as amended, for Revolving Loans up to $20,000,000 and Swing Loans
Date: 8/10/2009

RE: (a) Credit Agreement between Owens Financial Group, Inc., as Borrower, and California Bank & Trust, First Bank, and City National Bank, as Lenders, dated August 31, 2001, as amended, for Revolving Loans up to $20,000,000 and Swing Loans, Parties: owens mortgage investment fund a calif ltd partnership

EXHIBIT 10

BY U.S. MAIL AND ELECTRONIC TRANSMISSION

Owens Financial Group, Inc. August 4, 2009

2221 Olympic Boulevard

Walnut Creek, CA 94595

Attention: Mr. William C. Owens, President

Mr. Bryan H. Draper, Chief Financial Officer

RE: (a) Credit Agreement between Owens Financial Group, Inc., as Borrower, and California Bank & Trust, First Bank, and City National Bank, as Lenders, dated August 31, 2001, as amended, for Revolving Loans up to $20,000,000 and Swing Loans

(b) Credit Agreement between Owens Mortgage Investment Fund, as Borrower, and California Bank & Trust, First Bank and City National Bank, as Lenders, dated August 31, 2001, as amended for Revolving Loans up to $55,000,000.00 and Swing Loans

Gentlemen:

We are writing on behalf of California Bank & Trust in

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