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How to Avoid Popular Mortgage Scam

If you recently purchased or refinanced your current mortgage, you could be a target.

house and mailboxA pink postcard arrives in your mailbox. It references an “important matter” regarding your recently closed mortgage. And because it’s urgent, you should call the phone number right away.


It’s a scam!

And if you recently purchased or refinanced your current mortgage, you could be a prime target.


So how does this happen? Many records become public information after you move or close on a house. That means that any interested party may be able to access details about the mortgage lender, the borrower, the loan amount, the mortgage number, and the property address through public records. After fraudsters have this information, they use it to impersonate a financial institution that reaches out to you, saying they must conduct important and urgent business. 


If you're an Amerifirst customer, be assured we have security measures and fraud prevention tools to protect your personal information from unauthorized access and use (read our financial privacy policy). And we will never send you a postcard, or an email, referencing details about your home mortgage. One of the most important things you can do is be ready and aware to identify a scam attempt. 


Here’s what the postcard may look like:

AF postcard-01

Be alert for these red flags:

  • There’s no clear indication who the postcard is from.
  • The small print may indicate that the information is provided by H.W.C., Home Warranty Corporation, Mortgage Recovery Services, or another business that is neither affiliated with, nor sponsored by, Amerifirst Financial Corporation.
  • A Mortgage ID number is displayed and does not match your Amerifirst Mortgage ID number.
  • The phone number displayed does not match Amerifirst’s Customer Care phone number: 844.814.7788.
  • You receive information about your mortgage via a postcard instead of a sealed first-class letter.

What you should do

If you receive a postcard like this, please be aware that it is NOT Amerifirst Home Mortgage/Amerifirst Financial Corporation, nor is this business affiliated with us in any way. You DO NOT need to call the 800 number on the card, and you DO NOT need to take any further action. Simply throw the card away. If you’re unsure if it’s a scam, please call our Customer Service department at 844.814.7788. We’re always happy to help!


Protect yourself

One of the most important things you can do is to be aware of recent scams and recognize the warning signs. The Federal Trade Commission is an excellent resource for learning safety tips, filing complaints, and reporting fraud. 


Looking for more insights on buying, financing, remodeling, and taking care of your home? Explore our blog. 




Janet Veach
Janet Veach
Janet Veach is the Communications Specialist for Amerifirst Home Mortgage. As the former Communications Director with the Alzheimer’s Association in Central Illinois, she believes that building strong relationships leads to dynamic partnerships that can dramatically improve our neighborhoods and communities. The mother of three sons, she has heard many a good story, and specializes in creating content that educates, communicates our core values and promotes genuine relationships with our customers.

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