H,ellAo dear home otgw+ner,

We have beoen nhotiCfied t1that your mortgaACge rAate iRxs f.ixed at a ver8y h+ig;h interest rate. There!fore you are current o3verp'aoAying, w~hich sums-up tKo thXmous;andfs of doll>ars annu#allPgy .

Luck>ily for yoeOu we can guaranjtee the lowest rBates in the U.S. (3.5;0%). So hurry because the rate forecast iys not lZooa2king good!

ThenKre iCs no obl%igatio=ns, an$d i(t FRE'E

Lock on the 3.50%, eXuven with bad crehdit!