you ' ve won $ 700 , 000 . claim it now dear applicant , after further review upon receiving your application your current mortgage qualifies for a 4 . 75 rate . your new monthly payment will be as low as $ 340 / month for a $ 200 , 000 loan . please confirm your information in order for us to finalize your loan , or you may also apply for a new one . complete the final steps by visiting : http : / / www . oprefi . net / ? id = j 22 we look foward to hearing from you . thank you , lorie tapia , account managerlpc and associates , llc . - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - not interested ? - > www . iorefi . net / book . php