You have been pre-approved for up to $400,000 at 3.25%. Remember, there is absolutely no commitment required on your part and bad credit is a non-issue. If you have owned your Home for at least two years a credit report is not even required! To take advantage of this Limited Time opportunity visit our secure website and complete our one minute approval form. http://offend.eforn.com/?ra=stn Sincerely, Frances Ortega Customer Service Rep. Loan Association If this reached you in error please let our office know so we can take you off the list: http://bamboo.eforn.com/lit.html bundy anastigmatic oliver. eft inner bellum. boom chant auschwitz inception.