Thank you for your loan request, which we recieved on 04/08/06, We'd like to inform you that we're 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://yaysavemoneynow.com/index4.php?refid=13 References 1. http://yaysavemoneynow.com/index4.php?refid=13