Thank you! 

As Christmas quickly approaches I've been thinking about how important all of the people I have worked with over the years are to me.  I was in the process of getting Christmas Cards out to all of my previous clients and business partners...then it occurred to me that I could do more.

 In fact, I'm so thankful that I've decided to do something I never, ever do.  For 12 days only I'm offering you a chance to save tens of thousands of dollars on the refinance of your home.  You see, we're about to the end of these historically low interest rates.  Today rates are below 4.875% on some fixed rate loans and below 3.50% on some ARM's.

IT'S JUST INSANE HOW LOW RATES ARE TODAY!

My prediction is that rates will be closer to 6.00% by 2010.  The trend for higher interest rates is almost guaranteed because the Government's withdrawal from purchasing massive amounts of mortgage debt, which the Federal Reserve has announced end in March of 2010.

So for TWELVE DAYS ONLY I'm waiving half the origination fee for you to get an opportunity to cash in on the lowest mortgage rates this country has ever seen.

This is the time to streamline your finances and create better cash flow for your family's budget.

This "Thank You for Being my Client, Family, Business Partner, or even soon to be clients" is only valid for applications taken between December 19, 2009 through the 31st!

Please do not hesitate to call me with questions, send me an email, or complete a quick pre-qualification form.

Happy Holidays!

P.S.  I've also spoken to the title company as well as an appraiser; and they are willing to discount their fees as well.

Today's technology is providing a more productive environment to work in. For example, through this Web Site you can submit a complete online secure loan application, pre-qualify for a home loan or you can request an update on your loan in process and much more!

These tools have allowed me to provide a higher level of service to my clients who utilize the Internet in their daily lives.

By applying online, your application is received immediately! I will be notified by email and be prompted to return to our secure server to retrieve your application. This will enable me to start processing your loan today!

Thanks again for your visit today!