Greetings,

In a reaction to the current economic conditions, rates have just been lowered significantly.  This provides a fantastic opportunity for members to dramatically improve their existing mortgage situation.  30 Year Fixed Conforming (loans less than $417,000) 4.875%*

This may present a unique opportunity for you to:

--Fix in your Adjustable Rate Mortgage

--Shorten the term on your existing 30 year mortgage loan to 15 or 20 years - without increasing your monthly payment!

--Consolidate high interest credit card or other outstanding bills

Inquire about a "NO COST" refinance (you can exchange interest points for the opportunity to close without paying any closing costs)

Act now as these low interest rates may not be available for very long.

To inquire about the opportunity to improve your financial situation, contact:   Educators Mortgage Services (Education Minnesota ESI sponsored mortgage and realty provider) 952 252-4490 or 888 920-0031   www.mneducatorshomes.com

A loan officer is available to provide you with a "no cost, no obligation" mortgage analysis

*interest rate available for those who qualify.  APR 5.74%
_______________

Shelley MacDonald
Education Minnesota
ESI/NEA/AFT+ Member Benefits
651-767-1285 / 800-642-4624
Fax 651-292-4815