Hello, We sent you an email a while ago, because you now qualify for a much lower rate based on the biggest rate drop in years. You can now get $327,000 for as little as $617 a month! Bad credit? Doesn't matter, ^low rates are fixed no matter what! Follow this link to process your application and a 24 hour approval: http://www.mbrefi.net Best Regards, Raul Eldridge http://www.mbrefi.net/book.php