Dear Valued Customers and Colleagues:
 
 At Peak Finance Company, our goal is to make the process of obtaining a mortgage as simple, convenient and affordable as possible for our clients. Our staff’s expertise in providing exceptional mortgage banking services, coupled with a broad array of competitively priced mortgage programs, will accommodate your mortgage financing needs.
 
 Our promise is to serve our clients in their effort to generate and preserve wealth by offering advanced capital market knowledge and highly competitive loan products. With our relationships with Peak Financial Partners Inc., our market research team has access to property market information that others do not have and can ensure maximum opportunity for each and every client.
 
 Over the past couple of months it seems as if the bad news in the financial markets has subsided. This in turn has created a euphoric rise in the stock markets which has been seen by many as an indicator that the recession is coming to an end. In fact, a survey that came out this month shows 90% of respondents predicted that the recession would end by the culmination of the 3rd quarter. However, with the market still in limbo and foreclosures rampant, property values have moved into the most desirable of ranges. If you have ever thought of purchasing a first (or even a 2nd or 3rd) home, or know someone who is on the fence, now is the time to take action!
 With a first time home buyer tax credit of up to $8,000.00, and property values dropping over 50% from their peak in some areas, many homes are now in reach of the average home buyer. However, this reality may change quickly as many people start flooding the market and prices start appreciating again. Now is the time to take advantage of this tax credit as it is set to expire December 1, 2009.
 
 If you, or someone you know, is considering buying a home, contact your loan consultant at Peak Finance Company to see how much of a home you might qualify for.
 
 We look forward to assisting you with present and future mortgage financing needs.
 
 Sincerely,
 
 Your Peak Finance Company Loan Consultants:
 Susan Woodnick susan@peakfinanceco.com
 Ronnie Lahav ronnie@peakfinanceco.com
 Tamir Lahav tamir@peakfinanceco.com