However, I do have advice for potential homebuyers and refinance candidates, and that is [...] Phone solicitation: There are groups of unethical mortgage telemarketers who call homeowners and offer a “free survey” of your “financial and debt” picture. In reality, the vast majorities of these callers are reading from a script and have little to no real experience in the mortgage field. Here is a typical example in my experience: It’s time to buy a home. This type of mortgage marketing is an embarrassment to the real professionals in the industry, and consumers should beware.
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