When a lender or broker checks someone’s credit report, it signals that person is in the market for a mortgage or to refinance. The credit bureaus turn around and sell that contact information to others in the mortgage business looking for leads. Since many mortgage brokers are unemployed and just don’t know it yet they call unsuspecting home owners. Undaunted by the ‘Do Not Call’ registry, and sometimes willing to stab your favorite mortgage broker in the back, use caution when companies call. Some, like former lender Emmco, don’t even know if they can sell the paper or get funding. (see more)