[REPLY TO THIS MESSAGE]Classmates, I have access to mortgage rates as low as 2.95%in NJ, CT, PA and soon CA and IN. I cashed 20K out of my home and saved $300/ month on my payment. I got my boss to waive our $350 processing fee for my classmates so there is an opportunity to save even more. Respond to this or call me at 201-394-8564.