Why You're Getting Mortgage & Home Warranty Offers
After applying for a mortgage, you might start getting calls, texts, emails, or mail from other lenders or companies offering:
- Competing mortgage loans
- Home warranty plans
- Insurance or credit-related services
These products are often unnecessary and can sometimes be fraudulent. Be cautious of urgent language designed to prompt immediate action without providing clear details. While First National Bank and Trust (FNBT) may be mentioned in these letters, please note that we are not affiliated with them. These are
pre-screened offers, and while they may feel intrusive, they are common and
not coming from FNBT.
FNBT Does Not Sell Your Information
We value your privacy. FNBT does not sell customer data.
Your information may be shared only:
- As required by law (e.g., with credit bureaus)
- To help you secure your loan
- When real estate transactions are recorded publicly
Other companies use these sources to find recent mortgage applicants like you.
How to Reduce Unwanted Offers
To opt out of pre-screened credit and insurance offers:
You’ll need to verify your identity. Opt-out requests are processed within 5 days, but it may take up to 60 days to fully stop offers.
To reduce telemarketing calls:
Note: You may still receive some offers due to public records or prior business relationships.
Tips to avoid common scams:
- Stop.
Don’t share personal or financial information—like your account or Social Security number—with anyone you don’t know or trust, especially if the contact is unexpected.
- Inspect.
Read the fine print. Some mail or emails may look official but include disclaimers like “This is not a bill” or “We are not affiliated with your provider.”
- Verify.
If someone claims to be from FNBT, contact us directly using a verified phone number or website—not the one in the message.
Questions?
If you're unsure whether a call or offer is really from FNBT, call us at 800.667.4401.
We’re
Always Here to help.