Pre screened offer of credit example: You have been pre-selected for a reduction program that will lower your monthly payments significantly. Insurance and taxes vary, they are not included so the payment will increase if escrowed. After reviewing your account, we can consolidate your existing mortgage of $90,100 and your estimated debt of $8,300 into one monthly payment as low as $543. This program is offered for a limited time, and you can qualify for free. Call immediately to speak with your loan representative to take advantage of this offer, or get cash out. Due to the high volume of calls, please reference your account number E22-1