Hfel"lo drpear hFo!m#e owXner,

WgCe have beeVfn notified th^at your mortgag0be raTzte is f,ixed at a veIWrRy high intex9rest rate. ThereYforsNe you are currently overpaying, which s8ums-iujp to thoG5us[ands of d[ol7ylars annuallly .

L;uck]ily for yo68u we c/an grKuarantee the lo!wkest rateNfs in the U.S/. (3.28%). So huh1rrRy bebjcause the rat#e forecast is n$oAt loopHking good!

There is no obligat=ion, and it's FRtEE

Loc;k on the 3.28%, even with bad crs8e.dit!