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Date: Tue, 23 Oct 2001 13:56:01 -0700 (PDT)
From: news@milepoint.com
To: b..sanders@enron.com
Subject: Use miles to save on your next mortgage or refinancing!
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MilePoint Newsletter =09


[IMAGE]=09 Refinance with MilePoint Long-term interest rates have hit their=
 lowest level in years.  In fact, the 15-year rate is currently at its lowe=
st level on record!  There is no better time than now to help reduce your m=
onthly expenses and help our country's economy get back on track.   What ar=
e the top 5 reasons to purchase or refinance a home?  In today's market, pu=
rchasing a home may be less expensive than renting If you currently own a h=
ome, refinancing may lower your monthly payment Refinancing with a "cash ou=
t" option can help payoff or consolidate higher interest rate debts By refi=
nancing, you can convert an Adjustable Rate Mortgage (ARM) to a low fixed r=
ate Refinancing to a shorter term loan (from a 30-year to a 15-year loan), =
can save you thousands of dollars in interest  PLUS, you can use miles to s=
ave even more on your next mortgage or refinancing with Chase and CitiMortg=
age!   [IMAGE]   As a MilePoint member, you can choose to redeem your miles=
 and points for automatic savings of up to $500 on mortgage settlement cost=
s when you choose Chase Manhattan for your home financing needs.  So whethe=
r you are purchasing your first home or a vacation home, or just considerin=
g the refinance of your current mortgage, Chase can help save you time and =
money.   Of course, you'll receive all the other benefits of being a Chase =
customer, including a Free Affordability Estimate or Refinance Savings Anal=
ysis. We offer a Passport-To-Purchase Preapproval
 Program so you can shop with confidence knowing Chase Manhattan, the natio=
n's leader in mortgage lending, already approves you. This can increase you=
r negotiating power with the seller and help you close the loan more quickl=
y.    Chase also offers expanded qualifying ratios, some of the most flexib=
le in the industry, so that with sufficient equity, you may be able to fina=
nce a larger home! You can lock in an interest rate right over the phone so=
 that you are protected, should rates rise. For a nominal fee, you also hav=
e the option to float down to a lower rate, should interest rates fall whil=
e your loan is being processed.   Tell me more ?     [IMAGE]   Use miles fo=
r $500 closing cost savings, or a 1/4% reduction in loan origination point(=
s).   We specialize in working closely with companies like MilePoint to giv=
e you mortgage financing advantages you won't find anywhere else. Our wide =
array of mortgages gives you many choices, so you can find the one that mee=
ts your needs perfectly. You'll also be able to save money when you choose =
from our superior group of financial solutions. Call us today at 1-800-353-=
7989.     Benefits  As a MilePoint Member, you will receive...  Either $500=
 off your closing costs or 1/4% reduction in loan origination point(s), by =
applying 25,000 miles  Preferred Interest Rates  No PMI (Private Mortgage I=
nsurance) with less than 20% down  National School Report helps you choose =
the right school for your child  Guaranteed on-time closing or you receive =
$400 toward closing costs  Access to a wide variety of Citigroup products a=
nd services  CitiQuik
 provides a mortgage loan approval in just minutes from start to finish and=
 cuts the paperwork to a bare minimum.  SureStart
 helps you shop with the confidence of a cash buyer. We'll let you know up =
front how much financing you qualify for, saving you time and legwork.   Te=
ll me more ?   =09[IMAGE]=09
=09=09[IMAGE]=09
