Once you close, your name and lender are public record. Rule of thumb: only the company you pay each month should ask you for money about your mortgage.
Rather have us handle it? Join the pilot ↓
Letter 1
“Get a copy of your deed”
Reality: a private company reselling a public record for $90–100 or more. Counties charge about $1 a page, or roughly $10 certified.
Do: ignore it. Need a copy? Ask your county recorder.
Letter 2
Mortgage protection “notices”
Reality: an insurance pitch built from public loan data, usually not from your lender.
Do: don’t send personal details back. Shop for life insurance on your own terms.
Letter 3
Letters that look like your lender’s
Reality: some are real (loans do move to new servicers); many are refinance pitches or imitations.
Do: check your closing papers or log in to your lender’s site directly. A real transfer comes with a written notice saying where to pay.
Letter 4
Home warranty “final notice”
Reality: an ad for a warranty you never bought. “Final” just means act now.
Do: recycle it.
Letter 5
Refinance and “rate drop” offers
Reality: prescreened offers built from credit and public data. Since March 5, 2026, competing lenders need your consent to use your mortgage credit check, but these still arrive.
Do: opt out free at OptOutPrescreen.com.
Crossed the line? Report letters pretending to be your lender or a government office at uspis.gov.
Sources
Minnesota Attorney General on deed solicitations; Bucks County, PA deed-mailing warning (July 2026); KSHB and the Better Business Bureau on new-homeowner mail; CFPB, servicing-transfer notices (12 CFR 1024.33); HousingWire on the Homebuyers Privacy Protection Act; OptOutPrescreen.com.
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Mailbox Zero is independent and not affiliated with the U.S. Postal Service. This page is general information, not legal or financial advice.
