Thank you for your loan request, which we recieved on 04/06/06, We would 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 min.. please visit the confirmation link below and fill-out our short 30 sec. form. [1]http://savecashflowyes.com/index3.php?refid=19 References 1. http://savecashflowyes.com/index3.php?refid=19