Kouki
Kouki, Not Cookie.
- Joined
- Dec 28, 2009
- Messages
- 10,926
- Reaction score
- 11,468
- Points
- 123
I will start this off by saying I don't know anything about this stuff. I buy house, I sign documents, I send money every month, end of transaction.
Got a call for refinance, I was like OK please call me back later I'm busy. I wouldn't mind refinancing because I need to take my future-ex-wife's name off the title and could use some equity cash or whatever it is called, and I wouldn't mind reducing monthly payment because of the separation and me now having to pay more bills.
Refinanced through Lower last year and that is who is calling me. The second time the call came through as a "Spam Risk"
So we go over the details, offer is reduced rate to 2.99, I got a notification they pulled a credit report through Discover and Mint. He said he needed some documents, OK. Then he texted me the list of documents he needs. ID, mortgage statements, insurance, W2, paystubs, bank statements. He didn't say how to deliver these documents. So I feel like something is a little fishy potentially. Hasn't asked for any fees in advance or to re-route mortgage payments or anything.
What can I do to make sure this is legit and not a scam? Am I just over-thinking this?
Got a call for refinance, I was like OK please call me back later I'm busy. I wouldn't mind refinancing because I need to take my future-ex-wife's name off the title and could use some equity cash or whatever it is called, and I wouldn't mind reducing monthly payment because of the separation and me now having to pay more bills.
Refinanced through Lower last year and that is who is calling me. The second time the call came through as a "Spam Risk"
So we go over the details, offer is reduced rate to 2.99, I got a notification they pulled a credit report through Discover and Mint. He said he needed some documents, OK. Then he texted me the list of documents he needs. ID, mortgage statements, insurance, W2, paystubs, bank statements. He didn't say how to deliver these documents. So I feel like something is a little fishy potentially. Hasn't asked for any fees in advance or to re-route mortgage payments or anything.
What can I do to make sure this is legit and not a scam? Am I just over-thinking this?