hey . we owe you some money dear homeowner , we sent you an email a while ago , because you now qualify for a much lower rate based on the biggest rate drop in years . you have been pre - approved for a $ 400 , 000 home loan with a low fixed rate . follow this link to process your application : 1 minute approval form . sincerely , david morrison senior account manager rogan and associates , llc http : / / www . lending - blocksx . com / r . php - re - mov - e me from the list