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A month after we closed on our house it changed to phh mortgage. I too thought it was a scam until my boss said that it's happened to him with every house purchase he did.
Luckily at the time I got an email from the loan consultant from my builder saying my loan will be transferred. And I got I think an email that my account was ready to login
But now I keep getting letters and emails saying I can lower my interest rate or cash out refinance. When I actually called they said my interest rate was already at the lowest…
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