Mortgage Rate Reduction Notification by NatePotter



                                                                                O P E N I M M E D I AT E LY                                                                     FIRST CLASS
                                                                                                                                                                                U.S. POSTAGE
                                                                                                                                                                                  TAMPA, FL
                                                                                                                                                                               PERMIT NO. 367

                     To Open - Fold & Tear Along Perforation

                                                                                                                                                                                                                      To Open - Fold & Tear Along Perforation
                                                                            P.O. Box 4713
                                                                            Trenton, NJ 08650

                                                                             I M P O R TA N T F I N A L N O T I C E R E G A R D I N G Y O U R F H A M O R T G A G E .
                                                                                          WARNING: $2,000 FINE 5YEARS IMPRISONMENT OR BOTH FOR ANY PERSON
                                                                                          INTERFERING WITH OR OBSTRUCTING DELIVERY OF THIS LETTER U.S. MAIL 18 USC § 170

                                                                           Mortgage Rate Reduction Notification
                                                                                                                             09mock 0000000001 ***
                                                                             FHA Programs Expanded...Take Advantage NOW
Joe Sample                                                                                                                   Joe Sample
123 Street, Anytown, State 12345-6789                                                                                         “Licensed by the U.S. Department of
Re: FHA Case #341-041709SMSL                                                                                                 City, State Zip 06492-0003
                                                                                                                              Housing and Urban Development”
   Rates as low as 4.875% / 5.25% APR. Call toll free 1-800-748-9919 to speak
   with a case specialist and verify your eligibility. No appraisal, no employment or
   income verification required. There may be no out of pocket expenses. Call for

Dear Joe Sample,
We have been trying to contact you regarding your FHA Mortgage dated 10/09/2007 in the amount of
$354,844.00. Through public records and credit bureau screening, we have done some research on your
financial situation. Our records indicate that you currently have an FHA mortgage and you have been PRE-
SELECTED to refinance with a FHA mortgage as low as 4.875% (APR 5.25%). The process is simple
                    To Open - Fold & Tear Along & Tear Along Perforation

                                                                                                                                                                                                       To Open - Fold & Tear Along Perforation
and you may have no out-of-pocket costs! You may even be able to skip your next mortgage payment.
All you need to do is call us today. Now is the time to start saving!

                                                                                    Call Toll Free: 1-800-748-9919
                                                                                                                                                                             U.S. POSTAGE
                                                                                                                                                                               TAMPA, FL
                                     or visit us online at                                                                                             PERMIT NO. 367

                   By calling and speaking with your Case Specialist you can verify your eligibility.
                                 To Open - Fold Perforation

                                                                                                                                                                                                                    To Open - Fold & Tear Along Perforation
                                   Please provide your FHA Case #341-041709SMSL.

NEWS RELEASE: You may qualify to refinance under a FHA program that allows you to refinance
your existing mortgage and finance up to 85% of the value of your home for debt-consolidation or cash
out - you may even be able to lower your current interest rate and not have a mortgage payment until
June 1st of 2009.
                                                                                                    CALL TODAY:
                                                                                  TOLL FREE: 1-800-748-9919
                                                                                      Se Habla Espanol: 1-888-674-4625
                                                                                 Or visit us online at
                                                                                                                                          !              !
                                                                       30 Year Fixed  15
                                                         TO BE OPENED BY ADDRESSEE ONLY Year Fixed
                                                                                                 Job Number Sequent                                          Vis
                                                                                                 Full Name
                                                New Interest Rate/APR 4.875% / 5.25% 4.375% / 4.625% Address
                                                    Payment Example      $1,877.86       $2,691.92 St ZIP+4
                                                                                                 City                                                                                        MU-0213

Equity Source Home Loans, LLC
525 Lacey Road
Forked River, NJ 08731

                                Our FHA Lender I.D. - 1819900000 PA License #16164.001
 Licensed by the New Jersey Department of Banking and Insurance. Licensed Mortgage Lender, CO, CT, DE, FL, MD, CA, OR,
                              VA, PA. Registered Mortgage Broker NY Department of Banking

    Programs advertised are current FHA Programs. Current guidelines can be found in the HUD handbook or at
                    - Fold & Tear Along Perforation

                                                                                                                                                                                                       To Open - Fold & Tear Along Perf

Interest Rates Subject to Market Conditions                                                                                                                  MU-0213 8490

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