Guy with Indian accent asked for my husband by name.  I told him he was not here, then he referred to ME by name.  This is the same area code as my cell phone, so I answered thinking it might be someone I know.  Anyway, then he proceeds to offer me a better interest rate on my mortgage.  I said "no thanks".  He asked "don't you want to save money?" and I replied "NOPE!"  At that, he hung up on me.

was a call from gateway mortgage to change mortgage companies