Why Am I Getting Unsolicited Mortgage Calls?

Sep 19, 2024
2 min read

Updated: Jul 14

After a mortgage-related credit inquiry, a consumer may begin receiving calls, texts, mail, or email from companies they did not contact. These solicitations can be confusing because some callers may sound as though they are connected to the company already helping with the loan.

Quick Takeaway: Do not assume an unexpected caller is connected to Manzano Mortgage Co., your lender, or your application. Verify the company independently and do not share sensitive information until you know who is contacting you.

Why the Contact May Begin

Credit-report activity may be used for prescreened marketing under applicable rules. The mortgage professional who requested the report does not control every solicitation a consumer may receive afterward.

Why homeowners may receive unsolicited mortgage calls — Unexpected mortgage calls should be verified before any information is shared.

Warning Signs

The caller pressures you to act immediately
The caller implies a relationship they cannot verify
They request passwords, verification codes, full account numbers, or payment
The offer sounds guaranteed or dramatically better without reviewing your file

Practical Protection Steps

End the call and contact your mortgage professional using a known number
Use official consumer opt-out and do-not-call resources where appropriate
Do not click unexpected links or send documents to an unverified address
Report suspected impersonation, fraud, or harassment to the proper authority

Privacy Reminder: Manzano Mortgage Co. should be contacted directly whenever an outside caller claims to know details about your application or suggests that your existing loan contact has changed.