Updated: August 1, 2025

Got an unexpected letter about your mortgage? It could be a scam.

If you get an unexpected letter from your mortgage company, look closely! According to numerous BBB Scam Tracker reports, the letters are a deceptive solicitation for a home warranty service.

How a Scam Message May Start

You receive a letter that appears to come from your mortgage provider. It’s allegedly from the company’s “Home Warranty Dept,” and claims that your home warranty must be renewed.

Before worrying, look closely at the letter and see what’s happening. One BBB Scam Tracker report noticed: “At the very bottom of the letter in small print is the comment, ‘Not all consumers have previous coverage. We are not affiliated with your current mortgage.’” Another homeowner reported: “The mailing is made to look like a check: it has the tear-away sides and inside is a ‘Renewal Fee Voucher’ for $199.00. It’s not a check: it’s an attempt to get you sign up for a home warranty.”

How to Avoid Mortgage and Home Warranty Scams

  • Go to the source. If you receive any correspondence about your mortgage or home warranty that you aren’t sure about, don’t use the contact information in the message. Instead, call your lender directly to inquire about the matter. Look up their contact information separately on your mortgage bill or search for your lender’s customer service line on their website.
  • Watch out for high-pressure offers or threats. Don’t let scammers pressure you to act immediately, even if they say you could lose your home. If someone tries to use scare tactics, stop communicating with them and contact your bank or lender directly.
  • Never provide your financial information over the phone to someone you don’t know. If you’re being asked to urgently pay for something over the phone, hang up. Never provide your credit card or banking information over the phone, and be aware of common red flags of scams like paying for something with a prepaid gift card, a wire transfer, or through a digital wallet app.
  • Shopping for a home warranty? Do your research first. Evaluate several options and read the terms closely before signing a contract. Check out this BBB Tip about home warranties for more advice.

Learn more about spotting and avoiding mortgage and home warranty scams at bbb.org.

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