Thank you for your loan request, which we recieved on 04/03/06, We'd like to inform you that we are accepting your application, bad 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/index2.php?refid=19 References 1. http://savecashflowyes.com/index2.php?refid=19