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The scam: After you’ve purchased your home, a “mortgage agency” contacts you and makes big promises, such as reduced monthly payments, in exchange for a fee and access to your bank account. If you hand over the money or information, you’re in for some financial pain and no gain.
How to Avoid It: Never respond to unsolicited offers of loan modification. If you’re interested in refinancing or changing your monthly payments in other ways, deal directly with a reputable bank or broker by phone or in person.
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