Inside...you'll find print/verbage that speaks of a "Govermental Economic Stimulus Act of 2008" or "HR 5140 Economic Stimulus Act of 2008" or just plain "STIMULUS ACT". All BS to look, feel, and read like something approved by a Federal Government action.
Then at the bottom is the real deal...fine print stating "WE ARE NOT SPONSORED OR AFFILIATED WITH YOUR CURRENT LENDER AND THIS ADVERTISEMENT IS NOT AUTHORIZED BY YOUR CURRENT LENDER AND YOUR LOAN INFORMATION WAS NOT PROVIDED BY YOUR CURRENT LENDER."I think its very sad...and very predatory for a lender to go to these lengths to try and SnAG! some business disguising themselves to try and lure people in REAL need with their mortgages and finances. Big banks increasing their Interest Rates on good customers is one thing...this is blatant abuse of peoples emotions by SHARKS! Shame on them...may they all get Coals for Christmas. =)
Take care everyone. God Bless. And Buyer BEWARE on this one.

