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I also had Nicole lv message re mortgage refinance, rate quoted as 4.99 with no fees, but i never called her back.

This was a call from someone named Nicole who represented a group called the "Underwriting Department." They offered me an interest rate of 5.375 on my mortgage. They just left a message on my phone so I don't know if they are legit or not. I imagine they are cold calling for mortgage business. I did not call back.