Don’t Fall for It: The Fake Mortgage Mail Scam Flooding Homeowners
Friday, October 24, 2025
Don’t Fall for It: The Junk Mail Trap Targeting Homeowners
If you’ve owned your home for more than five minutes, you’ve probably seen it —
a flood of mail that looks official, urgent, and kind of scary.
Big bold headlines like:
- “Important notice about your mortgage.”
- “Call immediately — your escrow account has a problem.”
- “Your home warranty is about to expire.”
- “You may be due for a $400 refund.”
It looks legit. It feels urgent. But most of the time… it’s completely fake.
What’s Really Going On
Scammers and shady companies pull basic homeowner info from public records — your name, property address, maybe even your lender’s name — and use it to send mail that looks like it’s coming from someone you trust.
Their goal? To get you to call, panic, and hand over personal info or sign up for something you don’t need.
Final Notice” or “Urgent Mortgage Update”
These letters are made to look like they’re from your lender, sometimes even referencing your loan number.
The fine print reveals the truth — they’re from third-party companies trying to sell you insurance, warranties, or other junk services.
“Your Home Warranty Is Expiring”
They use scary language like “FINAL NOTICE” or “Response Required” and make it sound like you already had a warranty plan that’s ending.
You didn’t. It’s fake — just a sales trick to get your credit card info.
“Mortgage Relief” or “Foreclosure Help”
These often promise to lower your payment or stop foreclosure — but they’re not affiliated with your lender, and some even try to get you to sign away your deed.
If you see anything like this, please don’t respond — send it to me right away.
“Official Property Documents” or “Deed Copy Service”
Some letters will offer to send you a copy of your deed or help you file your homestead exemption — for $89 or more.
These documents are public and free through your local recorder’s office. Total scam.
What to Watch For
- Uses your lender’s name or loan number, but the company name doesn’t match.
- Has scary words like “Final Notice” or “Immediate Response Required.”
- Includes a fake “check,” “voucher,” or “account statement.”
- Offers “refunds,” “warranty renewals,” or “mortgage assistance.”
- Has fine print that says “Not affiliated with your mortgage company.”
- You’ve never heard of them before — but they act like you already signed up.
What To Do If You Get One
Simple:
1. Don’t call the number on the letter.
2. Don’t give out any personal or loan info.
3. Take a quick photo and text it to me.
I’ll tell you in seconds if it’s real or fake — no guesswork, no stress.
Why It Matters
These scams are designed to create panic and confusion. They prey on homeowners who just want to make sure nothing’s wrong with their loan.
And in some cases, people lose money — or worse, their personal info — to something that looked official.
The Bottom Line
If it looks suspicious, send it to me first. Text me a photo or email it over — I’ll check it out and tell you exactly what’s going on.
Stay sharp out there,
Keith
P.S. If a friend or family member owns a home, forward this to them — I’ll happily verify their mail too.
TEMPLATE
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