Dear Sir/Madam; After viewing your credit history we are unable to approve your mortgage-refinance at the rate of 2.25%. However we can approve you at a rate of 3.11%. If you are satisfied with our new rate, then we will need you to verify some information below. http://countyquote.com?partid=c77 We apologize for this Inconvenience Weekly Helpers Inc. Darnell Morton; Accounting WR0NG PERS0N? http://countyquote.com/st.html