Fake lender or financial advisor claiming the target qualifies for a reverse mortgage cash payout to access home equity with no monthly payments — advance-fee and PII-harvest fraud targeting senior homeowners; real HECMs require HUD-approved counseling and licensed lender underwriting, never cold email credential collection.
reverse-mortgage-equity-phish
What this tier means
High-confidence threat indicator — phishing, impersonation, BEC, or scam pattern. Strong contributor to the trash decision.
How Gorganizer detects this
Fake lender or financial advisor claiming the recipient qualifies for a reverse mortgage (HECM) cash payout to access their home equity immediately with no monthly payments — advance-fee fraud and PII-harvest targeting senior homeowners. Real Home Equity Conversion Mortgages (HECMs) are FHA-insured products that require mandatory HUD-approved counseling before any application, lender underwriting, and FHA insurance through licensed HECM lenders; they are never solicited via cold email links that request credential or PII submission to "access" home equity immediately. The "no monthly payments" and "access your equity now" language combined with a cold email click-to-apply link is not a legitimate HECM workflow. Detection: reverse mortgage qualify/eligible + access home equity/cash payout no monthly payments vocabulary + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +3. Source: GC1-R25; HUD HECM counseling requirements (24 CFR Part 206); CFPB reverse mortgage scam advisory 2025; FTC reverse mortgage fraud alert targeting seniors.
False-positive guard
Every signal in Gorganizer feeds a multi-module score — never a sole verdict. This is a threat-tier signal — it adds a strong contribution to the trash score. The full pipeline still requires convergence across multiple modules + a margin over the safety floor before deletion happens, and Gmail's trash (30-day recovery) is always used — never permanent delete.
About the scoring engine
Gorganizer's scoring engine emits over 1,800 signals across six modules — headers, sender, subject, body, attachments, and structural metadata. Every email is scored by every module independently; the final verdict requires multiple modules to agree and the trash score to beat the safety floor by a margin.
Sacred safety guards — never delete starred emails, replies, calendar invites, receipts/invoices, or attachments — apply unconditionally regardless of any signal.
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