Calling for Home Refinance

I have had people calling me up the last few days wanting me to do a home refinance so that I can pay off my credit cards. I don’t have a mortgage, and I don’t own a house, so I am not really sure how they got my name. I know I applied for a home loan before we got a personal loan, but I was denied, so that can’t be where they got that information from.

Even if I did own a home, I don’t know if I would refinance, not with the way things are in the housing market right now anyway, if anything I would do a home equity loan, that is if I actually did own a home. With a home equity loan you aren’t necessarily putting your house up as collateral, whereas with a refinance you are. I know that I am not always responsible with the bills, so I definitely woyuld not want to give up my house if I didn’t make a payment or two, or seven.