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Carta Modelo #1


Considering Refinancing Your Home?

We're different and that difference that can save you time and money.

Here's how we can help you:

*(list prominent features of your company and offers)

We know you face many difficult decisions when securing a mortgage loan or refinancing. We have mortgage EXPERTS with years of EXPERIENCE to help you make the right decisions.

Credit problems? That doesn't have to be an issue. We can help you find the best deal on your home loan. Our quick, FREE, easy form will put you in contact with the top brokers in the business!

DON'T Miss This Opportunity to SAVE!

Now is the best time to secure your mortgage loan. We have great rates and the form is quick and simple to fill out. And it costs you NOTHING to fill out for a FREE quote. Fill out the form and mail it to us today!

Carta Modelo #2


If you've been thinking about buying property in Doe County, now might be the time. We have some exceptional listings, and with winter coming, sellers are more motivated than ever. In fact, some have recently reduced their asking price, which makes for excellent buys in what is a rising real estate market in Doe County.

Here are just a few of the great deals:

*(list homes and reduced prices)

The time is right. The price is right!

If this year's trend to higher prices continues, these same properties will be selling for much more next summer.

I can show you exceptional properties in any price range. If you want to take advantage of today's low prices, call me at 555-5555.

Carta Modelo #3


Visit our web site and download our free Doe Mortgage Manager! It will help you pay off your mortgage sooner and save you thousands in interest! And it's completely FREE!

You may not realize it but you are paying thousands of dollars in mortgage interest unnecessarily. For the same monthly payment, and with a little planning, you could save a ton and cut years off your mortgage payments. Our new Doe Mortgage Manager can show you how.

And, while you're visiting our site, take a few minutes to read the valuable information on financial planning. You'll be amazed how little it takes to put your future on a solid footing. Learn how to: (list financial planning ideas). is your one-stop location for all you financial needs. If you need (list services), we are there for you.

So visit us today and download your free Doe Mortgage Manager. It's just one of the great services available to you from

Carta Modelo #4


You're just paying too much!

Maybe you have been watching the mortgage rates lately. The recent drops have made refinancing more attractive now than in the last (#) years.

For example, if your mortgage is $150,000 at 7.5%, we could save you ($) per month--that's ($) over the life of your loan!

Call us today for your no-fee, no-risk consultation. We only need 15 minutes of your time, and we can do it over the phone. Then, within 24 hours, we will let you know if you qualify for a much better rate!

Reduce your interest rate! Save money! Give us a call today!

Carta Modelo #5


Here's something to smile about! How about a 6% mortgage rate?

Just when you thought you could never afford that new home, Doe Mortgage comes up with a 30-year fixed mortgage rate. You could be living in your new home within three weeks! What are you waiting for? Apply today. We can give you an approval within 24 hours and no upfront charges!

What have you got to lose? Apply today before interest rates rise!

Call 555-5555.

Carta Modelo #6


It's Quick and Easy To Apply For A Doe Equity Loan.

Here are two ways to apply:

1) Call us at 555-5555, or

2) Mail in the enclosed application form.

Choose from our variable rate loan or our fixed rate loan. Whichever loan you choose, you be paying the lowest possible interest rate.

Quick Approval

Our loan officers are committed to providing you a fast response--usually within 24 hours.

No Outrageous Fees

At Doe Bank there are no application fees and no hidden costs.

Tax Advantages

The interest you pay may be 100% tax deductible.

Our interest rates are lower than ever!

Apply today for a


Carta Modelo #7


In no time at all you could pay off your bills. That's because you've been preselected to receive as much as $35,000. Please read this letter to find out more.

To: Jane Doe

Did you know you could make your life easier with a simple phone call? How? By calling and applying for a Personal Homeowner Loan. You've already been preselected for up to $35,000:

* Use your home to your financial advantage

* Get the money you need fast

* Enjoy tax savings

Save money and gain peace of mind. Get low rates and affordable terms on your Doe Bank Homeowner's Loan.

Call today or bring this letter to your nearest Doe Bank office. There is no cost or obligation to apply. We'll help you customize a loan that's right for your situation, even if you have limited equity in your home. You'll get an answer within 24 hours.

See for yourself how easy it can be to get the money you need in no time. Call us today or bring this letter to the branch office nearest you. Either way, you could really come out ahead.

Carta Modelo #8


Have you ever lost sleep fretting over your family's future?

Sleep peacefully starting tonight knowing that your family is protected with a Doe Mortgage Insurance Policy.

This insurance instantly pays off your home mortgage should you die. Your family's future is safe.

With today's high mortgage costs, mortgage insurance is an absolute. Too many families, upon the loss of the provider, discover that they forfeit their home.

Mortgage insurance is inexpensive and an expression of concern for your family's security.

I've enclosed a short application. Just take a few minutes to fill it out, and remember, you have no obligation. When I receive it, I will call you with a quote on Doe's low rates.

Within one week we can have your application approved and your protection in place. So, please send it today. The sooner you do, the sooner your family will have this invaluable safety net.

P. S. Remember, if you return the application today, you'll sleep better tonight!

Carta Modelo #9


Re: Refinancing

I am writing today to let you know that you may be able to take advantage of very low mortgage interest rates that will allow you to save money on your monthly payments.

A lower interest rate on your mortgage could help reduce your payments on credit cards, auto loans, and equity or second trusts.

Please feel free to call me at 555-5555 or e-mail me today for a free mortgage quote. Please have your current interest rate, loan program and term, and the approximate value of your home available.

I look forward to hearing from you.

Carta Modelo #10


We will help you get the mortgage loan you want!

If a new home loan is what you seek or if you want to refinance your current home loan at a lower interest rate, we can help!

Mortgage rates haven't been this low for years, so take action now!

Refinance your home with us and get rid of all of those pesky credit card bills, and use the extra cash for that swimming pool you've always wanted...

When others say NO, we say YES!!!

Even if you have been turned down elsewhere, we can help!

Easy terms! Our mortgage referral service combines the highest quality loans with most economical rates and the easiest qualification!

Take just 2 minutes to complete the following form. There is no obligation. All information is kept strictly confidential. You must be at least 18 years of age. This service is fast and free.

Carta Modelo #11


According to our records your mortgage rate is much higher than today's market. You may now qualify for a much better rate!

If you would like a free estimate to show how reducing your interest rate will save you money, please give me a call today.

Ten minutes of your time is all you need to get started! Keep in mind that you may also qualify for additional cash to pay off other bills, including property taxes or home improvements!

I hope to hear from you soon!

Carta Modelo #12


Our 5.9% home equity line of credit will put a smile on your face!

Happiness is a low 5.9% interest rate! Just think. You could finally get around to that remodeling project you've been putting off. You could take that vacation you've been planning. You could get that elusive college money. No matter what your needs, your first step is a 5.9% home equity line of credit from Doe Bank.

Check it out: money when you need it!

Once you've established your home equity credit line, you'll be able to draw money as you need it. With no fees! That's right--we pay the fees.

So step on it! Call or visit any one of Doe Bank's eight convenient locations today and get happy! Call 555-5555.

Carta Modelo #13


From the desk of John Doe,

It's not every day that we offer someone a $34,000 line of credit.

But based on your excellent credit, I'm confident that you will enjoy the benefits of having an Equity Line with us.

That's why I have pre-approved you for our Equity Line with a Prime + 0% APR for the life of the line. If you've been watching rates, you know that this type of rate, currently 5.50% APR, is far less than you'd pay for most credit cards or other personal loans.

With a rate this low, it's an excellent time to use your Equity Line for debt consolidation, home improvements, a new car, or whatever else you need. And remember, the interest you pay on your Equity Line may be tax-deductible. Your tax savings could be substantial; however, you should consult your tax advisor concerning interest deductibility. You'll also save on fees.

When the need arises, accessing your Equity Line is as easy as writing a check. We'll gladly send you a free supply of personal checks as soon as we complete the processing of your request and open your Equity Line.

Because you've been pre-approved, accepting your Equity Line is easy. Accept anytime, Monday through Friday, during business hours. Call 1-800-555-5555. We have waived the Bank Closing Costs to make this Equity Line even more affordable. However, this is a limited-time offer. In order to take advantage of this promotion, we must hear from you before December 31.

An offer this good deserves your consideration. Please get back to me soon.

Carta Modelo #14


Now you can get a ten-year home improvement loan. That means your monthly pay will be less than the normal five--or seven-year loans.

No one offers better interest rates on ten-year loans than Doe Financial.

Imagine yourself preparing dinner in your newly remodeled kitchen ... sleeping in your new master bedroom ... cozying up in your new TV room.

You may have thought that the payments would put these dreams out of reach. Not so with our low-interest, ten-year loan. Your home-improvement plans can become realities.

For more information about Doe Financial's ten-year home improvement loan. Please return the enclosed card. And you will have no obligation.

You will receive an informative brochure on ideas to improve your home for little money. We'll give you multiple options for financing your home improvement. We'll even provide you hints on selecting contractors, creating layout plans, and buying building materials.

Your home improvement dreams can come true. Return the enclosed card or call 555-5555. Now is the time!