Lock in a Low Fixed Rate mortgage rate that will Never Go Up.

Wouldn't you like to count on the same low mortgage payment every month? If the interest rate and the monthly payment on your adjustable-rate mortgage(ARM) haven't gone up yet, it's only a matter of time before they adjust. Countrywide Home Loans, a division a Countrywide Bank, FSB, may be able to help. With a Countrywide Fixed Rate Refinance Loan, you could take advantage of today's low mortgage rates and lock in a low, fixed payment now and for the life of the loan.

Apply to refinance your adjustable-rate mortgage to a low, fixed-rate loan today to:

• Enjoy the peace of mind knowing your mortgage payment can't increase
• Lock in a low, fixed-rate
• See if you have access to cash from available home equity
• Possibly lower your monthly payments

Mortgage refinance may be the right choice if:

• The interest rate on your current loan is higher than what is available now
• The interest rate on your current loan is adjustable and a fixed rate loan is preferred
• A lower monthly payment is wanted to free cash for other things
• A larger monthly payment is affordable and building equity faster is a priority
• Consolidating higher-interest consumer debt is a goal