this is not a scam - and i'm passing it on only because i saved $700 on my mortgage = yes it went from 23 years to 40 = interest rate went from 5.5 to 3 = no scam involved = no money up front - no gimmicks - check oujt NACA.COM - in LA until Jan 30 Peter Harrison - Eliza [TOAD SAN] 818 448 3181