These letters generally ask for a response to the notice by a certain date, often include language such as “final notice,” and threaten that failing to call may result in financial risk for the homeowner. In examples of such a letter sent to the Attorney General’s office, also included are a document that resembles a check, with the words “renewal fee voucher,” as well as an actual photo of the homeowner’s home on the return envelope.
Solicitations that use threatening language or unnecessary urgency are almost always a scam. Although they include the name of the homeowner’s mortgage company, scam letters like this rely on publicly available information to deceive the homeowner. To reiterate, the people sending these letters are not representing, nor have any affiliation with, mortgage companies. They use this information, as well as other seemingly “official” references, such as “record ID” numbers, to appear legitimate. If you have a home warranty, check with the company through which you already purchased your warranty for expiration and renewal information.
