So I get tons of mortgage junk mail, like most people no doubt. I’ve always hated deceitful junk mail, long before “spam” was a word. Mail that lies about its contents, pretending it’s from the government, pretending that it’s registered mail, obscuring the contents so you have to open it to discover that its junk, etc. Now the mortgage stuff — these guys expect me to borrow tons of money from them. Their opening gambit is a lie, yet they seriously expect me to trust them with my life savings (my home). Right. Sure, sounds great, here ya go!