Thank you for your loan request, which we recieved on 04/02/06, We'd like to inform you that we are accepting your application, b a d credit OK, we can refi your current loan and get a lower rate. Avg savings is $200 per month! approval process will take only 1 minute. please visit the confirmation link below and fill-out our short 30 sec form. [1]http://savecashflowyes.com/index4.php?refid=13 References 1. http://savecashflowyes.com/index4.php?refid=13