We are getting numerous comments from some of our clients and forum users who financed their homes with VA loans regarding direct mail and telephone scams offering extremely low streamline refinance rates.These are coming from a number of companies but Amerigroup and Mortgage Investors are two of the names we are hearing. In all liklihood they are getting folks addresses from the public record of the lien which would probably indicate a VA loan. First, streamline VA is a great option, if the rates have dropped. But, these companies are quoting rates as low as 3.5% which just isn't possible.  If you want to explore a streamline, call your current lender and see what they will offer. Or ask Susan Wallace for a sanity check on this forum about any "to good to be true" offers. Proceed with caution if you choose to talk to these folks.  VR SAM's recommendation is to completely ignore any direct mail / phone telemarketers and if appropriate, report them for "do not call list" violations. Joe Gladden, Managing Partner, VR SAM