Best report
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Jun 3, 2015
I got a call from this number at my home late at night a couple of nights ago, and a man left message without a name (though he sounded American) or company name with his office and cell phone number. The long and short of the message was that he wants me to refinance my FHA loan with no closing costs, no points, etc., but what I didn't like about the message is that he made it sound as if the terms of my loan are just changing (I have a a 30-year fixed rate, so, no), as if they are the ones in charge of/servicing my current FHA loan on my house. (For the record, mine is serviced by a large bank, not some random company in California.) The way he worded his message was what I would characterize as deceptive, probably in an effort to get people to call him about their loans to see what the changes are going to be, whereas it's really an effort to get you to refinance through his company or to get information about you. On top of that, his failure to include his name and company name on his voicemail message is yet another reason to stay far away.
I can't really say whether or not this is a scam or a phishing expedition, but it has already raised two red flags in my book. If I had any interest in refinancing my FHA loan, I would call a lender with which I am already familiar. I would recommend that any of you looking to refinance do the same.
On a general note, I have gotten a lot of calls lately from lenders seeking to refinance my FHA loan, and when I tell them I have no interest in refinancing, they usually try to sell me on it with statements that are incredibly deceptive. It's then that I tell them I am an attorney, which is true, but I hate having to resort to in order to scare off the scammers. That piece of information usually results in my getting hung up on, and if they don't hang up on me, they get off the phone very quickly. This just goes to show what kind of people/companies you're dealing with on these phone calls. As soon as you demonstrate that you are (or are likely) an informed consumer, they don't even want to talk to you.
I can't really say whether or not this is a scam or a phishing expedition, but it has already raised two red flags in my book. If I had any interest in refinancing my FHA loan, I would call a lender with which I am already familiar. I would recommend that any of you looking to refinance do the same.
On a general note, I have gotten a lot of calls lately from lenders seeking to refinance my FHA loan, and when I tell them I have no interest in refinancing, they usually try to sell me on it with statements that are incredibly deceptive. It's then that I tell them I am an attorney, which is true, but I hate having to resort to in order to scare off the scammers. That piece of information usually results in my getting hung up on, and if they don't hang up on me, they get off the phone very quickly. This just goes to show what kind of people/companies you're dealing with on these phone calls. As soon as you demonstrate that you are (or are likely) an informed consumer, they don't even want to talk to you.