Re:

[Janelle Rubin]

Wed, 12 May 2004 00:01:54 -0500
I am taking the liberty of writing you this letter instead of interrupting you
by phone. Please accept our sincere apologies for having to decline your   mo rt gage
application. We cannot provide you with ra.te you requested.

However, I can recommend another company that can provide you with 2.3 %
fixed  ra.te for 20 years. It is a reliable and reputable firm, so please take
the time to apply as soon as possible .

If I may be of any help in the future, please feel free to call.

Sincerely,
Janelle Rubin
Account Manager
1st   Lo an   Provider


















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