Subject: 
mon , 24 may 2004 12 : 14 : 06 - 0600
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 ,
evangelina kraft
account manager lst lo an provider
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