jack bell unitedlendingterraes _dont wait refinance now_ _take advantage lowest rates decades_ rates may go higher lower payment lower r rate use 100 free service font fees p obligations commitments find much ave free fast simple rates lowest point decades national lenders ready serve click removed reply email wit h remove subject tbody mon 09 sep 2002 210053 1900 msnbc rates hit 35 year low 475 12021