Internal Memo

January 13, 2009

Internal Memorandum

Sales Team,

Stop it. I have heard many of you on the phone with our borrower clients repeating media predictions of interest rates – up or down. They have no idea, you have no idea, which direction rates will go tomorrow! If you really do, you should be working on Wall Street with the other ‘so called’ geniuses.

Fact is, since 1986 we have run Americor Mortgage by being honest with our clients and have saved them money on their mortgages by ‘taking the bird in the hand’ and not speculated with other people’s money and homes. We missed the whole sub prime craze because we never believed in those loans, and we are still in business today because of our convictions.

Today, rates are at 2003 record lows again. Don’t be a slouch and miss this opportunity for your borrowers. Convince them to lock in and refinance now, not wait for the next .125% that may or may not ever come. If you can save people substantial money today (and you can) – DO IT!

Go make some loans. Get this low rate money for good borrowers and get their loans done fast, with as little hassle as possible.

Money is the lifeblood of Capitalism; it’s your job to save this country… don’t look for someone else to do your job!

Bob Waun
CEO
waun@vacation-finance.com
248.722.WAUN (9286)

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