This just arrived in my work inbox. It is great on so many levels…

Dear Home Owner,
After satisfying the analysis we are jubilant to provide for you this endorsement,

Your current mortgage qualifies you for more than a 3.4 lesser rate!

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!! ATTAINING THE LOWEST RATES IN THE US HAS NEVER BEEN EASIER !!
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Hundreds of thousands of residential owners have re-financed this month alone!

So why not you?

Go HERE to make that change.

If you prefer to be left out of this superfluous offer go here.

I am overjoyed to be the cause of this company’s jubliation, but I’m afraid that – even though this offer is indeed superfluous – I will probably not be clicking on that link.