Jan 17: "This may be the perfect time" mortgage refinance scam

Woman's voice: "Hi there. This may be the perfect time for you to refinance your mortgage. Take advantage of these forty-year low historic rates while they're still available. If you have an adjustable rate loan, or an interest rate on your mortgage that is higher than six percent, you can request a mortgage quote from us at no cost or obligation. If you would like to speak to one of our live loan specialists, please press one on your phone now. If you would like to be taken off this special list, press two.