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Scam alert

Home Warranty 'Final Notice' Mailer? Check With Your Lender

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United States · bbb.org · Arrives by a letter or card in the mail

The short answer

A home-warranty mailer that says "Final Notice," claims coverage is expiring, and shows your mortgage lender's name is often a sales pitch, not a notice from your lender. BBB and WMAR-2 reported that calling the number on the letter can connect you to a salesperson rather than your bank or mortgage company. Don't use the contact details on the mailer. Check with your lender using your mortgage statement or its official website.

What is happening

Official-looking home-warranty mailers may say "Final Notice," claim coverage is expiring or has lapsed, and display a mortgage lender's name, the Better Business Bureau and WMAR-2 reported. Some mailers resemble a check. People who call expecting to reach their lender instead reach someone pitching an extended home warranty or service contract. BBB updated its alert in November 2026 and said the product may be real but the sales tactics are misleading; check through trusted lender contact details rather than the letter.

How to recognize it

  • The mailer says "Final Notice," "Renewal Required," or similar urgent wording about a home warranty.
  • It displays your mortgage lender's name next to a phone number that is not on your mortgage statement.
  • It looks like a check or invoice, or claims coverage is expiring, and asks you to call right away.
  • Fine print says the sender is not affiliated with your lender, or calling reaches a salesperson instead of the lender.

What to do instead

  1. Do not call the number or visit a website printed on the mailer.
  2. Contact your lender using the phone number on your mortgage statement or the lender's official website.
  3. If you want a home warranty, compare offers in writing on your own timeline rather than under pressure from a letter.
  4. If you want to tell someone, the rule is: don't use the number on a home-warranty "Final Notice"; check with your lender yourself.

If it already happened

Responding to one of these is common and understandable. These steps are what people usually take next.

  1. Calling a number on a convincing mailer is common and understandable. These letters are built to look like lender notices.
  2. If you paid or shared card details, contact your bank or card issuer right away, ask about disputing the charge, request a written cancellation, and report it at ReportFraud.ftc.gov.
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Common questions

Does my mortgage company really send home-warranty renewal notices?
A letter that names your lender is not proof it came from the lender. BBB and WMAR-2 say these mailers are often sales pitches. Confirm any coverage question with your lender on a number from your statement or its official site.
The mailer looked like a check. Is every home warranty fake?
Some mailers are designed to look like a check to get you to call. BBB says the product may be real while the sales tactics are misleading. Ignore pressure from the letter; check with your lender and compare terms on your own.

Practice this safely

Practice setting a mailer aside and calling your lender on the number from your mortgage statement instead of the letter.

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Home Warranty 'Final Notice' Mailer? Check With Your Lender

A home-warranty mailer that says "Final Notice," claims coverage is expiring, and shows your mortgage lender's name is often a sales pitch, not a notice from your lender. BBB and WMAR-2 reported that calling the number on the letter can connect you to a salesperson rather than your bank or mortgage company. Don't use the contact details on the mailer. Check with your lender using your mortgage statement or its official website.

Read the full alert: https://endscamsproject.com/latest-scams/fake-home-warranty-expiring-mailer-scam

Where this comes from

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