Dear Homeowner: Would you like to pay off all your bills? Do some home improvements? Now you can! There has never been a better time to take advantage of some of the lowest interest rates in over two decades! Zero out-of-pocket expense Loan proceeds may be used for debt consolidation and/or home improvements, or a portion of loan amount can also be used for any purpose Consolidate your debts into one, easy, low payment Increase your cash flow Pay off all your bills No equity required! (Up to 135% loan-to-value) No appraisal required for loan amounts $60,000 or less Fixed rates and payments Funding in as little as 7 -10 working days Terms to 25 years or less Interest may be tax deductible (Consult your tax advisor.) 1st or 2nd low interest mortgages also available Here is an example of the savings you could receive: ITEM DEBT PAYMENT Credit Card #1 $5,000 $200/mo. Credit Card #2 $8,000 $320/mo. Credit Card #3 $7,250 $290/mo. Personal Loan $7,750 $310/mo. Total $28,000 $1120/mo. Payment before: $1120 per month Payment after: $337 per month YOU SAVE $783 PER MONTH - OVER $9,300 IN CASH PER YEAR! Isn't it time you got out from underneath the burden of all your debt? For your FREE mortgage analysis visit our website. Remember, there is absolutely no obligation. CLICK HERE for more info... **************************************************************** If you wish to be removed from this mailing list, click here and your request will be immediately honored. @1998 West Coast Funding. All rights reserved.</PRE></HTML>