I'm not a mortgage holder, but when I'm called by scum who disregard the National Do-Not-Call Registry, I play one on the phone! Had them (an "Associate" and her Supervisor) going for 16 minutes before letting them know what was going on. He told me they "have a DNC policy", then hung up when I laughed loudly. If you want to play, they are looking for Senior Citizens who have a large mortgage (I told him 75K on a 230K property). You can rack up more time by getting them to explain what a reverse mortgage is and telling them you have a spouse and kids. Have FUN!!