I keep getting "We can lower your interest rate on your mortgage!" House has been paid for since 1994!!!! Another one is reverse mortgage. If you are dumb enough to go for this one be aware that you are legaly adding this company to your deed and you still have to pay closing costs for reassignment and are still responsible for all matinance, insurance, etc. to run your home. And if you have to leave it for anyreason (nursing home, retirement home etc. ) they own your home that you have put so much into! When all else fails read the "mouse" print!!!