What happens after closing on your home with all the junk mail

Didier Malagies • July 1, 2024

After closing on a mortgage, many new homeowners notice a significant increase in the amount of unsolicited mail, often referred to as "junk mail." Here's why this happens and what you can expect:


Why You Receive More Junk Mail

Public Records: When you close on a mortgage, the transaction becomes a matter of public record. Companies that sell products and services related to homeownership often purchase these public records to target new homeowners.


Credit Inquiries: Mortgage lenders typically make a hard inquiry on your credit report when you apply for a mortgage. Credit reporting agencies may sell information about these inquiries to marketers.


Service Providers: Various service providers (such as insurance companies, home security firms, and maintenance services) use information from public records and credit inquiries to market their products to new homeowners.


Types of Junk Mail You Might Receive

Mortgage Protection Insurance: Offers for insurance to cover your mortgage payments in case of death, disability, or job loss.

Homeowner's Insurance: Solicitations from insurance companies offering to insure your new home.

Home Improvement Services: Flyers and brochures from contractors, landscapers, and other home improvement service providers.

Security Systems: Offers for home security systems and monitoring services.

Financial Services: Credit card offers, refinancing options, and other financial products targeting new homeowners.

Address Change Services: Notifications and advertisements from companies offering services related to your change of address.

Managing Junk Mail

Opt-Out Services: You can use services like the Direct Marketing Association's Mail Preference Service (DMAchoice) to reduce unsolicited mail.


Credit Reporting Agencies: Opt out of pre-approved credit offers through the official website OptOutPrescreen.com or by calling 1-888-5-OPT-OUT.


Public Records: Some counties and states offer ways to opt-out or restrict the sharing of your public records for marketing purposes. Check with your local county clerk's office for options.


Return to Sender: Mark unwanted mail "Return to Sender" and send it back. This might not always be effective, but it can sometimes help reduce future mail from the same sender.


Shredding: Be sure to shred any junk mail that contains personal information to protect yourself from identity theft.


While it can be frustrating to receive a lot of junk mail after closing on a mortgage, taking these steps can help reduce the volume and manage the influx of unsolicited offers.


tune in and learn at https://www.ddamortgage.com/blog


Didier Malagies nmls#212566

DDA  Mortgage nmls#324329

Ask a Mortgage Question

Use the form below and we will give your our expert answers!

203H Ask A Question

Start Your Loan with DDA today
Your local Mortgage Broker

Mortgage Broker Largo
See our Reviews

Looking for more details? Listen to our extended podcast! 

Check out our other helpful videos to learn more about credit and residential mortgages.

Will 6% interest rate create more activity for homebuyers

By Didier Malagies • November 5, 2025
This is a subtitle for your new post

My prediction for what is coming next

By Didier Malagies • November 3, 2025
Here are the main types of events that typically cause the 10-year yield to drop: Economic slowdown or recession signs Weak GDP, rising unemployment, or falling consumer spending make investors expect lower future interest rates. Example: A bad jobs report or slowing manufacturing data often pushes yields lower. Federal Reserve rate cuts (or expectations of cuts) If the Fed signals or actually cuts rates, long-term yields like the 10-year typically decline. Markets anticipate lower inflation and slower growth ahead. Financial market stress or geopolitical tension During crises (wars, banking issues, political instability), investors seek safety in Treasuries — pushing prices up and yields down. Lower inflation or deflation data When inflation slows more than expected, the “real” return on Treasuries looks more attractive, bringing yields down. Dovish Fed comments or data suggesting easing ahead Even before actual rate cuts, if the Fed hints it might ease policy, yields often fall in anticipation. tune in and learn https://www.ddamortgage.com/blog didier malagies nmls#212566 dda mortgage nmls#324329

Feds cutting rates what will happen?

By Didier Malagies • October 27, 2025
🏦 1. Fed Rate vs. Market Rates When the Federal Reserve cuts rates, it lowers the federal funds rate — the rate banks charge each other for overnight loans. That directly affects: Credit cards Auto loans Home equity lines of credit (HELOCs) These tend to move quickly with Fed changes. 🏠 2. Mortgage Rates Mortgage rates are not directly set by the Fed — they’re more closely tied to the 10-year Treasury yield, which moves based on investor expectations for: Future inflation Economic growth Fed policy in the future So, when the Fed signals a rate cut or actually cuts, Treasury yields often fall in anticipation, which can lead to lower mortgage rates — if investors believe inflation is under control and the economy is cooling. However: If markets think the Fed cut too early or inflation might return, yields can actually rise, keeping mortgage rates higher. So, mortgage rates don’t always fall right after a Fed cut. 📉 In short: Fed cuts → short-term rates (credit cards, HELOCs) usually fall fast. Mortgage rates → might fall if inflation expectations drop and bond yields decline — but not guaranteed. tune in and learn https://www.ddamortgage.com/blog didier malagies nmls#212566 dda mortgage nmls#324329 
Show More