YOU HAVE BEEN PRE-APPROVED! We have been trying to reach you. Your loan is pre-approved at a much lower rate. You can get $348,000 for as little as $667 per month. Bad credit is NOT an issue. In fact, if you have owned a Home for at least two years, NO credit report is required! Kindly fill out our no obligation form. It will take only one minute to complete and will save you hundreds every month. http://firstratetv.com/?ra=stn Sincerely, Anita Downs Customer Service Rep. Home Loan Center If this reached you in error: http://firstratetv.com/lit.html . . . .