Hi Paul,
Finally drug your file out to the basement.  I have attached several
different options in the Excel file below.  Keep in mind that about 5 weeks
after closing you will receive a check from your current lender for the
existing escrow account.  You can either pocket that money or "reimburse"
your out put from this closing.  Let me know if you need further
clarification on this or any of the options.  I've attached the application
and forms I need for processing.  I have survey, dec page and mortgage info
already mostly need updated W2, paystubs and banking info.

I didn't speak with your coworker yesterday unless I'm really losing it.
Ask him to give me a call anytime or give me his name and I'll give him a
call.  Thanks so much for calling and I look forward to helping you save
some money.
(See attached file: thomas paul refi gfes.xls)(See attached file: 1003.pdf)
(See attached file: AA App - 2001Refinance .doc)
Take care,
Linda Rhoden
Sr. Loan Officer
RMC Vanguard Mortgage Corp.
888.852.7645 ext. 6025 toll free
713.802.6025 direct line
713.802.6035 direct fax
Confidentiality Notice: The information contained in this e-mail message
including any attachments is privileged and confidential information
intended for the use of the individual or entity named above.  Distribution
or copying of this communication is prohibited.  Thank you.
 - thomas paul refi gfes.xls 
 - 1003.pdf 
 - AA App - 2001Refinance .doc