These are nothing more than mortgage lending grifters with several U.S. locations. The caller, a so-called "financial agent," claims that you'll be able to refinance at whatever rate you want for as low as 3%. Don't even bother answering this scam!

Missed the call... I just wanted to know who it was before trying to call them back.  Based on what I see here, I won't.

this is nothing more than a mortgage scam. wanting you to switch your mortgage to them. don't waste your time answering or calling them back