<table><tr><th>To: </th><th></th></tr><tr><td>From:</td><td>ogn0onikn0oo</td></tr><tr><td>Sent</td><td>Fri 4/11/2003 5:20:15 AM</td></tr><tr><td>Subject</td><td>gmaxl, Rates up, Not too late, Low rates for refis, home loans, etc.</td></tr></table>

April 10, 2003 - Not too late

As the war comes near to an end, rates that have been going down are now starting to go up. Read the papers or watch the news. Either way, this does not mean it is too late for you, whether you want to refi. or purchase your home.

Rates have dropped low, and are still low but may continue to go UP and HIGHER, sooner than you think.

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Bottom line: You may be paying too much for your mortgage. Whether you want to refinance an existing mortgage or purchase that dream home, now is the best time. Do you want the lowest rate? With the world situation being what it is, these rates could go up at any second. Even if you have recently refinanced, want to purchase a home or desire cash outs, debt consolidating or home improvement, you MUST check out our FREE service at <u>LENDERS COMPETE FOR YOUR MORTGAGE</u> today. No credit turndowns and the most competitive rates.