I HAVE SOME GREAT NEWS FOR YOU! As you may have heard, mortgage rates are at historical lows, and it is highly unlikely they will ever go lower. Refinance now and reduce your monthly payment as well as the total amount of interest you will pay over the lifetime of your loan. All the money you save goes into your pocket! Refinance, if • you are in an adjustable rate mortgage... • your current mortgage is greater than 6.00%... • you are in an Interest Only loan program... With the high potential of increased inflation, this could be your last chance to take advantage of this great opportunity to lower your rate. Have you considered your financial needs for the next 4-5 years? Many economists and money managers are encouraging their clients to lock in any adjustable interest rates into a low fixed rates. With over 20 years of lending experience we have the professional knowledge and expertise to help you sift through the options and make the best financial decision on you home financing. INVEST 10 MINUTES INTO YOUR FINANCIAL FUTURE... GIVE ME A CALL TODAY! I welcome the opportunity to review the advantages of refinancing your current mortgage with you. Save Thousands of Dollars in Interest Payments! Mortgage Network, Inc. 271 Waverly Oaks Road, S. 209, Waltham, MA 02452 ©2010 Mortgage Network, Inc. All rights reserved. Trade/servicemarks are the property of Mortgage Network, Inc. 300 Rosewood Drive, Danvers, MA 01923. Also doing business MNET Mortgage Corp. Connecticut 3785; Licensed by the Department of Corporations under the California Residential Mortgage Act Finance Lender License 603B322; Delaware 010168; Florida ML0700961; Georgia Residential Mortgage Licensee 15441; Massachusetts Mortgage Lender and Broker MC4315; Maine SLM2499; Licensed by the New Hampshire Banking Department 5573-MB; New Jersey Department of Banking and Insurance LO57549; New York - Registered Mortgage Broker – NY State Banking Department RMB NO 207384; North Carolina L113607; Licensed by the Pennsylvania Department of Banking 21978. Rhode Island Licensed Lender 95000456LL; South Carolina S5,864, MB05117060511710; Texas Reg. 43205; Texas Regulated Loan License 10569-46959; Licensed by the Virginia State Commission Corporation ML2593. Some products may not be available in all states. This is not a commitment to lend. Rates, terms, fees, and equity requirements are subject to change without notice. Restrictions apply. Helen Claire Dwyer NMLS #197049. Equal Housing Lender. With rates this low, this could be the last time you EVER have to refinance. Bill Kelly Mortgage Consultant NMLS #37845 Office: 617-715-9814 Cell: 781-724-6995 [email protected]

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• you are in an adjustable rate mortgage...

• your current mortgage is greater than 6.00%...

• you are in an Interest Only loan program...

With the high potential of increased inflation, this could be your last chance to take advantage of this great opportunity to lower your rate. Have you considered your financial needs for the next 4-5 years? Many economists and money managers are encouraging their clients to lock in any adjustable interest rates into a low fixed rates. With over 20 years of lending experience we have the professional knowledge and expertise to help you sift through the options and make the best financial decision on you home financing.

INVEST 10 MINUTES INTO YOUR FINANCIAL FUTURE... GIVE ME A CALL TODAY!

I welcome the opportunity to review the advantages of refinancing your current mortgage with you.

Save Thousands of Dollars in Interest Payments!

Mortgage Network, Inc. 271 Waverly Oaks Road, S. 209, Waltham, MA 02452

©2010 Mortgage Network, Inc. All rights reserved. Trade/servicemarks are the property of Mortgage Network, Inc. 300 Rosewood Drive, Danvers, MA 01923. Also doing business MNET Mortgage Corp. Connecticut 3785; Licensed by the Department of Corporations under the California Residential Mortgage Act Finance Lender License 603B322; Delaware 010168; Florida ML0700961; Georgia Residential Mortgage Licensee 15441; Massachusetts Mortgage Lender and Broker MC4315; Maine SLM2499; Licensed by the New Hampshire Banking Department 5573-MB; New Jersey Department of Banking and Insurance LO57549; New York - Registered Mortgage Broker – NY State Banking Department RMB NO 207384; North Carolina L113607; Licensed by the Pennsylvania Department of Banking 21978. Rhode Island Licensed Lender 95000456LL; South Carolina S5,864, MB05117060511710; Texas Reg. 43205; Texas Regulated Loan License 10569-46959; Licensed by the Virginia State Commission Corporation ML2593. Some products may not be available in all states. This is not a commitment to lend. Rates, terms, fees, and equity requirements are subject to change without notice. Restrictions apply. Helen Claire Dwyer NMLS #197049. Equal Housing Lender.

With rates this low, this could be the last time you EVER have to refinance.

Bill Kelly Mortgage Consultant

NMLS #37845 Office: 617-715-9814 Cell: 781-724-6995

[email protected]