Company Overview

Independence Home Loans, LLC (IHL) is a mortgage lending company that has been the subject of legal action for aggressive and illegal telemarketing practices targeting veterans with VA home loans.

Official Company Information

Legal Name Independence Home Loans, LLC
NMLS ID 2524174
State of Organization Arizona
Principal Office 4343 N. Scottsdale Road, Suite 100
Scottsdale, Arizona 85251
Maryland Registered Agent Cogency Global Inc.
1519 York Road
Lutherville, Maryland 21093

The Business Model

IHL operates using a common but problematic model in the mortgage industry:

1

Lead Generation

Third-party telemarketers and "lead generators" make unsolicited calls to veterans, using deceptive tactics to gather information and generate interest.

2

False Pretenses

Callers use names implying VA affiliation ("VA Mortgage Pipeline," "Veteran Financial Services") and claim to be providing "education" about VA benefits.

3

Transfer to IHL

Interested or confused veterans are transferred to IHL loan officers who then attempt to sell refinancing products.

4

Persistent Follow-up

Even after explicit refusals, the calls continue relentlessly, sometimes dozens of times.

Why Veterans Are Targeted

Veterans with VA home loans represent an attractive target for predatory mortgage companies:

  • Known Equity: VA loan records indicate homeownership and approximate loan amounts
  • Stable Income: Veterans often have reliable income from VA disability benefits or military pensions
  • Trust in VA Programs: Veterans naturally trust communications that appear to come from or be associated with the VA
  • Available Data: Mortgage and property records are accessible, making targeted marketing possible

How They Obtain Your Information

The telemarketers calling on behalf of IHL possess detailed information about their targets, including:

  • Full name and current address
  • VA loan status and approximate balance
  • Current property value estimates
  • Phone numbers (including personal cell phones)

This information is typically obtained through:

  • Public property records and mortgage filings
  • Data brokers who compile and sell consumer information
  • Lead generation companies that aggregate veteran data
  • Potentially improper access to private databases