PRESORTED
O P E N I M M E D I AT E LY FIRST CLASS
U.S. POSTAGE
PAID
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
Address
Re: FHA Case #341-041709SMSL City, State Zip 06492-0003
Housing and Urban Development”
!064920003033!
IMPORTANT: HUD allows you to receive a STREAMLINE RATE REDUCTION.
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
eligibility.
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!
PRESORTED
Call Toll Free: 1-800-748-9919
STANDARD
U.S. POSTAGE
PAID
TAMPA, FL
or visit us online at www.esourceloans.com 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 www.esourceloans.com
! !
30 Year Fixed 15
TO BE OPENED BY ADDRESSEE ONLY Year Fixed
Program
Job Number Sequent Vis
Full Name
New Interest Rate/APR 4.875% / 5.25% 4.375% / 4.625% Address
Delivery
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
1-800-748-9919
www.esourceloans.com
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 www.hud.gov
- Fold & Tear Along Perforation
To Open - Fold & Tear Along Perf
Interest Rates Subject to Market Conditions MU-0213 8490