Dear Homeowner, You qualify for a $450,000 at a low fixed rate. We noticed that your current rate is over 5%. We are willing to give you a fixed rate of 2.9%. Take Advantage of this Limited Time opportunity! Only takes a few minutes to see what you can save! Please visit: http://wiselender.net/?partid=aaks9 Regards, Sigrid Elmore Carter Group LLC. r.mv - http//wiselender.net/st.html