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Dear Homeowner,
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        <font color="navy" size="4"><font face="arial" color="red" size="3"><b><i>&quot;Now
        is the time to take advantage of falling interest rates! There is no
        advantage in waiting any longer.&quot;</i></b><br>
        <br>
        </font><font size="3">Refinance or consolidate high interest credit card
        debt into a low interest mortgage. Mortgage interest is tax deductible,
        whereas credit card interest is not.<br>
        <br>
        You can save thousands of dollars over the course of your loan with just
        a 0.25% drop in your rate!<br>
        <br>
        Our nationwide network of lenders have hundreds of different loan
        programs to fit your current situation:
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          <font color="red"><b>
          <ul>
            <li>Refinance
            <li>Second Mortgage
            <li>Debt Consolidation
            <li>Home Improvement
            <li>Purchase</li>
          </ul>
          </b>
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        <p align="center"><font size="4"><a href="http://www.lowest-rate.net/cgi-bin/best_rate_virtual.cgi?affiliate=509631">&quot;Let
        us do the shopping for you...IT IS FREE!<br>
        CLICK HERE&quot;</a></font></p>
        <br>
        <br>
        <b>Please<a href="http://www.lowest-rate.net/cgi-bin/best_rate_virtual.cgi?affiliate=509631">
        CLICK HERE</a> to fill out a quick form. Your request will be transmitted to our network of mortgage specialists who will respond with
        up to three independent offers.</b><br>
        <br>
        <b>This service is 100% free to home owners and new home buyers without any obligation.</b></font></font>
        <p><font size="3" color="navy"><b>
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complete database removal system at the website. 
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            <td align="middle" colSpan="2">National Averages</td>
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            <td width="91"><u>Program</u></td>
            <td><u>Rate</u></td>
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            <td width="91">30Year Fixed</td>
            <td width="42">6.375%</td>
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            <td width="91">15Year Fixed</td>
            <td width="42">5.750%</td>
          </tr>
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            <td width="91">5Year Balloon</td>
            <td width="42">5.250%</td>
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            <td width="91">1/1Arm</td>
            <td width="42">4.250%</td>
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            <td width="91">5/1Arm</td>
            <td width="42">5.625%</td>
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            <td width="91"><font size="-2">FHA30 Year Fixed</font></td>
            <td width="42">6.500%</td>
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            <td width="91">VA 30 Year Fixed</td>
            <td width="42">6.500%</td>
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      <p align="right">&quot;<i>You did all the shopping for me. Thank you!</i><br>
      <b>-<font size="1">T</font></font><font size="1">.<font size="2"> N. Cap.</font></font><font size="2">
      <font size="1">CA</font></font></b>
      <p align="right">&quot;<i>..You helped me finance a new home and I got a
      very good deal.</i><br>
      <b>-<font size="1"> R. H. H. CA</font></b><br>
      <p align="right">&quot;<i>..it was easy, and quick...!</i><br>
      <b>-<font size="1">V. S. N. P. WA</font></b><br>
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