When Someone Calls About Your Mortgage
Last week, I received this email from a past client:
“I’m getting calls from someone claiming to be the underwriter on my loan. They say there are document issues with my loan, even though it closed months ago. Should I be worried?”
I knew the answer immediately. But I also realized this is something every homeowner should know.
Because if one homeowner can receive a call like this, others can too.
The good news? There wasn’t an issue with his loan.
During or after the mortgage process, borrowers typically don’t communicate directly with the underwriter. If there were ever a legitimate issue after closing, the communication would usually come from your loan officer, your loan servicer, or another verified representative—not someone unexpectedly claiming to be the underwriter.
Why does this happen?
Once you purchase a home, some information about your mortgage becomes part of the public record.
That means you may start receiving phone calls, emails, and letters from companies you’ve never heard of.
Some are legitimate marketing. Some are misleading. And unfortunately, some are scams.
You may receive:
- Home warranty offers
- Mortgage protection plans
- Refinance solicitations
- Requests for deed copies
- Or even calls from people claiming to represent your lender
So what should you do?
If you receive an unexpected call about your mortgage:
- Never feel pressured to act immediately.
- Don’t share personal or financial information until you’ve verified who you’re speaking with.
- If someone claims to represent your lender or loan servicer, hang up and call the number on your monthly mortgage statement.
- And if something doesn’t feel right, call me first.
Bottom Line
Buying a home doesn’t end at closing—and neither does my commitment to you.
Whether it’s an unexpected phone call, an official-looking letter, or an email that raises questions, I’d much rather you spend two minutes calling me than two days worrying about it.
If I don’t know the answer, I’ll help you find it.
Even if it’s just a quick question. No pressure. Just clarity.
The BankSouth Mortgage Advantage
Experience the speed of ReadyApprove from BankSouth Mortgage, where you can secure conditional approval for conforming loan limits within hours.
With ReadyLoan®, you can make this process even easier. Our digital platform lets you apply, track your loan progress, and submit documents securely—all from your computer or mobile device. You’ll be armed with the confidence to quickly submit an offer, and the seller will see you as a serious, prepared buyer.
Have peace of mind with our FREE one-time rate float-down* and no lender fee refinance** options!
When you purchase your home with me at BankSouth Mortgage, you may be able to refinance later with no lender fees. This program offers flexibility as life changes, with the potential for savings when it matters most.
*One-time float down available on 45-120 day rate locks. Float down must be executed at least 15 days prior to closing and must be at least .125 improvement. **This offer may change or end at any time without notice. “No Lender Fees” refers to waived origination charges. Eligibility conditions apply. Subject to credit and property approval.
Blog post date: Friday, July 24, 2026
