Call from my current mortgage lender:

ML: … a special offer blah blah blah…
Me: Wait, so you’re asking me to refinance my sub 3% mortgage to more than 6% while trying to get me to take all of my equity out at the same time?
ML: Well, sir… blah blah blah.
Me: Wait, do people actually fall for this and tell you ‘Yes’?
ML: Oh all the time.
Me: shakes head. hangs up.