The keep calling my cell phone and addressed me by my first name. Says she was from ICG, a lending company out of NY and could get me a lower home loan rate. Wanted to put me on the line with a mortgage rep but told her not interested. Once they do that they try to get personal info from you. Asked if she could send me an e-mail so I could research her company and she declined. Usually a scam when they don't offer to do that.