Subject: Loan Qualifies for up to 3% or more lower fixed rate

From: "Debora Justice" <[email-masked]>
Date: Wed, 11 May 2005 05:23:38 -0700

We've attempted to contact you to refinance your home. Your current loan has been pre-approved for a lower rate.

Loan Qualifies for up to 3% or more lower fixed rate. Save hundreds a month off your current mortgage payments.

Please Visit here to confirm your information within 24 hours.