Hello, Resently we sent you an email about mor t g age r at e going up, just from last week that ra t es went up by 2 point. Its not to late to lock your mor tg age. You can qualifiy to get a 400, 000 at 400 a month. But please act fast as the ra tes will not stay low for much longer. http://www.accesskl.com/ Thank you, Best regards, Jeanie Osborne