**NEXA Mortgage Impersonation Scam Campaign Analysis**
This scam campaign centers around fraudulent communications impersonating NEXA Mortgage, LLC, a legitimate mortgage company that has received 83 complaints with the Consumer Financial Protection Bureau (CFPB). The campaign utilizes two connected phone numbers: 888-362-2821 and 877-899-1800, which have been reported together with moderate confidence levels of 0.35. While neither number has generated FTC complaints to date, community reports reveal a coordinated effort to deceive consumers through urgent mortgage-related messages.
Community reports show scammers are sending messages claiming to represent both NEXA Mortgage, LLC and Guild Mortgage Company LLC, creating false urgency around consumers' mortgage accounts. The fraudulent communications reference specific details like mortgages "recorded on August 30, 2021" and instruct recipients to call 888-362-2821 "as soon as possible" regarding "time sensitive" and "important matters" concerning their loans. One report specifically identifies this as a phishing scam targeting mortgage services, with connections to Florida-based operations. The use of multiple legitimate company names suggests scammers are casting a wide net to increase their success rate.
The campaign's impact appears to be in early stages, with community reports receiving zero upvotes each, indicating limited widespread awareness of the scheme. However, the professional nature of the messages and specific mortgage details suggest sophisticated social engineering designed to exploit homeowners' concerns about their loans. The connection between the two phone numbers indicates an organized operation rather than isolated incidents.
To protect yourself from mortgage-related scams, always verify communications independently by contacting your actual mortgage servicer using the phone number from your official loan documents or monthly statements, never the number provided in suspicious messages. Legitimate mortgage companies will not create artificial urgency or threaten immediate action through unsolicited calls or texts. If you receive suspicious mortgage-related communications, hang up immediately, do not click any links, and report the incident to the FTC at reportfraud.ftc.gov or to the FCC. You can check if a phone number has been reported as fraudulent by searching consumer protection databases and community reporting sites before responding to any unsolicited mortgage communications.
This campaign represents a moderate threat level due to its targeted nature and potential for financial harm to homeowners. Consumers should remain vigilant about unsolicited mortgage-related communications and continue monitoring for expanded use of the identified phone numbers 888-362-2821 and 877-899-1800 in similar fraudulent schemes.