Caller ID said South San Fr CA: Woman represented that she was from Citi Mortgage. Offered a refinance without closing costs, appraisals, 3%rate, etc. Asked if I was interested? I asked her if she was really from Citi Mortgage or if she was from another company pretending to be Citi Mortgage and she immediately hung up. This is for sure a spam call, most likely with the intent of phishing data for fraudulent purposes. Do not give them any information.