Shady folks send me mailers disguised as checks from my lender. Hypotec – California package them in those white envelopes with the perforated edges you have to tear off, complete with the privacy paper imitation etc.
The envelope says “escrow refund benefit allotment notice” and then ambiguously references my lender.
In my opinion, this is a shady and inherently dishonest advertising practice.
Upon calling, it seems like it’s actually quite hard to get the quoted rates in the advertisement.