Dear Home-0wner,
 
You have been pre-approved for a $401,500 Home Loan at a 3.25% Fixed Rate.
This 0ffer is being extended to you unconditionally and your cred1t is in 
no way a factor.
 
To take Advantage of this Lim1ted T1me 0pportunity all
we ask is that you visit 0ur Website and complete
the 1 minute post Approval Form.
 
http://joerate.com/luck/

Sincerely,
 
Julia Abernathy
Regional Manager