I have been very upset at some of notices I have been getting from some lenders and funding companies! I myself have an adjustable rate mortgage. They sent me notices in Pink , telling me I better hurryand call them. One statement even looked liked my W2 or 1099 form . At first I thought it was from the IRS or the goverment. Thats what they want u to think. Any way I knew better . Unfortuantely most consumers may not realize this. I called the Dept of state,who said to send them the form.Sure enough they called to say they were sending a CEASE and Desist letter to the company. I urge all to be careful and only use reputable bankers or brokers if u r at all unsure. Be sure to check it out! Hope this Helps!