Greetings Betty, This is Nick and that is my sale associates line. You submitted an online inquiry for an interest in mortgage options. With that submission you acknowledged and agreed to receive incoming calls from legitimate licensed mortgage institutions in the United States. I cannot speak on behalf of the other institutions and this number is my direct line from my institution. they were giving you a courtesy call to get a hold of you and update your file. Since you never answered or gave us your input we cannot take you off our data base until we have verified and found a file matching your description. Give us a call and we can view more options in refinancing with no obligation or discuss matters of these incoming phone calls. Thank you.