Rate Adjustment We apologize but our mortgage refinance rates have changed. The rate we provided you with has now been changed in your favor. We have lowered all our rates by %1.89, but we need our clients to fill out our rate change application. If this is not completed today then we will have to process your information according to our old rates. http://ratechange.gfb2e.com Lara Kyle Bell & Dill Mortgage Brokers Reviewing Clerk