The email says "Refinance now and save hundreds monthly." Well, yeah, but that's a lie. Sure, my payment goes down, but by doing a refinance at 2 percentage points over my current mortgage and adding several years of payments, I'm not saving a bloody thing. Sure, my monthly payment is down, but I'm not saving--in the end I'll pay thousands more!, you lying financial cheat of a spam monkey. May your arm pits be infested with the fleas of a thousand camels. And while you itch your irritation, I hope a monkey scratches your eyeballs out.