This letter is a special invitation for homeowners to take advantage of today's low 
rates.  Our FRESH START program allows you to receive from $20,000 to $150,000 to use 
any way you need.  

 - Pay off your bills!

     - Home Improvements!

          - Cash Out!


Best of all, you don't need to have ANY equity, and there is no cost to apply.  
Additionally, we do not expect you to have perfect credit.  We will make every effort 
to approve your request.


BORROW $20,000 to $150,000
$20,000..........For only..........$195.88*
$30,000..........For only..........$293.82*
$40,000..........For only..........$397.76*
$50,000..........For only..........$489.20*

**********LESS THAN $10* PER THOUSAND**********

PROGRAM HIGHLIGHTS
+ NO EQUITY REQUIRED
+ LOW FIXED RATES
+ APPROVALS WITHIN MINUTES
+ TAX DEDUCTIBLE**
+ NO MINIMUM TIME IN HOME REQUIRED
+ HAVE YOUR MONEY IN DAYS
+ EQUIVALENT RATE AS LOW AS 7.7%***


For more information, interest rates and to apply for FRESH START, simply complete the 
request form below, and email with subject "INFO" to [EMAIL PROTECTED] or fax to 
1-888-655-5000.  We will run your credit report (free of charge) and email or call you 
with all the information you need; it's THAT SIMPLE!  If you would prefer to speak 
with a representative, please call WESTERN THRIFT AND LOAN at 1-800-244-9355.  


-----------------------------------------------------------------------------------------------------------------------------------------------


name __________          ss# __________          wk phone __________          gross 
income ______

name __________          ss# __________          wk phone __________          gross 
income ______

address __________________________________________________
             __________________________________________________
city        ______________ state / zip ___________________________

home phone _________________  best time to call _______________

email address________________

estimated home value ____________________

balance on 1st mtg ______________________ rate ____________ fixed or adjustable 
__________

balance on 2nd mtg ______________________ rate ____________fixed or 
adjustable__________

loan amount requested ____________________

* Based upon a 10.99% Interest rate APR 12.5%
** Consult a tax professional
*** Based upon a 10.99% interest rate and 30% tax rate

If you are buying a home, refinancing, or interested in any other loan programs, 
complete the form above or call (800)244-9355.  

Rates and programs subject to change without notice.

For prompt removal from all future mailings, email us at [EMAIL PROTECTED] with 
"REMOVE" in the SUBJECT field.  



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