From: To: "'Pida, Michael" -q Cc: "Santiago, Stephanie" ..tj >, '1 Subject: RE: Modification Request Date: Mon, 22 Dec 2014 14:53:15 +0000 )11 Ok sounds good From: Pida, Michael [mailto Sent: Monday, December 22, 2014 9:52 AM To: Cc: Santiago, Stephanie Subject: RE: Modification Request I hope all is well. I am looking at the actual servicing screen and see that you are currently paying 3.375%. You are receiving a discount to your rate if you recall for opening a checking account with Bankwell. The current 10/1 ARM rate is 3.375% so the rate with discount would be 3.25% best case. This is still a savings of $2,375 in interest per year so well worth the $1,000 for a modification. I will process the request and see what rate is offered. We do not spend your money until you agree to the terms and sign. If you have a new refinance in mind and would like to discuss that instead please let me know. Best regards, Mike EFTA00355906