Subject: reduce monthly - payments account # 86488321 based on the recent rate change and increase in property values in your area , it appears that you are overpaying on your current monthly loan . to find out if you qualify for rates starting at 3 . 25 % , follow the link below : http : / / loaneon . net / ? partid = s 30 thank you with sincere regards , lula goldstein manager american first national 287 main street lexington park , md . future contact modification : http : / / loaneon . net / st . html