As the owner of a mortgage company with over 23 years of experience, I’ve seen it happen countless times, excited homebuyers take the first big step toward homeownership by applying for a mortgage, only to be overwhelmed with calls, texts, emails, and credit offers just days later.
Frustrating, right?
Unfortunately, even your trusted mortgage lender can’t prevent it. However, you can take simple steps before you apply to protect yourself and avoid the headache.
The good news? There’s an easy way to stay ahead of it.
Why Am I Getting So Many Calls After Applying for a Mortgage?
This sudden flood of solicitations isn’t random caused by your credit inquiry being sold by the major credit bureaus (Experian, TransUnion, Equifax, and Innovis). This is known as a “trigger lead,” and it’s perfectly legal unless you take action to opt out.
But don’t worry, you can protect your personal information and privacy quickly and easily.
The Two Best Ways to Protect Your Privacy
- Use OptOutPrescreen.com to Block Unwanted Offers
When you apply for a mortgage—or any type of credit—the credit bureaus have the legal right to sell your information to lenders, insurers, and marketers. That’s why you might receive dozens of pre-approved credit card and loan offers in your mailbox shortly after your credit is pulled.
OptOutPrescreen.com is the official consumer website to stop this.
- By opting out, you block your data from being sold.
- You reduce pre-approved offers and protect yourself from potential scams.
- You keep your focus on legitimate mortgage options without outside noise.
Visit OptOutPrescreen.com and choose either the 5-year opt-out option or mail in the form for permanent opt-out.
Pro Tip: Do this before applying for your home purchase loan or FHA loan to avoid the flood of offers.
- Register with DoNotCall.gov to Reduce Telemarketing Calls
When your information is sold as a trigger lead, it can also result in aggressive telemarketing calls from unfamiliar companies.
Protect yourself by adding your phone number to the National Do Not Call Registry.
- Blocks most unwanted sales calls
- Protects both your mobile and landline numbers
- Gives you more control over who contacts you
Head to DoNotCall.gov and register, it only takes a minute and can save you hours of frustration later.
Why This Matters When Buying or Refinancing a Home
Whether you’re buying your dream home or refinancing for a better rate, your focus should be on:
- Finding the right mortgage
- Choosing the right home
- Working with a trusted team
Not on fielding unwanted calls or sorting through suspicious loan offers.
Taking these two quick steps today will:
- Protect your personal and financial data
- Minimize spam calls, emails, and texts
- Reduce your risk of falling victim to scams
- Help stay focused on your real goal, homeownership
Final Advice from Your Mortgage Partner
At the end of the day, your privacy matters just as much as your mortgage rate.
As your trusted mortgage professional, my goal isn’t just to help you get the best loans to make sure your entire journey is smooth, safe, and stress-free.
Do yourself a favor:
It takes five minutes to opt out and register today.
You’ll be glad you did when your phone doesn’t start ringing off the hook!
And when you’re ready to get pre-approved or explore refinancing options, I’m here to guide you every step of the way.
Ready to get pre-approved or explore your best loan options—without the flood of spam?
Call us today at (206) 352-6453 or start your home purchase loan application! Let’s make your next move simple, secure, and stress-free.
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