You could add yourself to the FTC managed do-not-call registry which is designed to filter out telemarketers: https://www.donotcall.gov/faq.html

Follow the new laws, run the numbers through the Do Not Call registry. 

Specifically, section 5107 of the SAFE Act, entitled “Secretary of Housing and Urban Development Backup Authority to Establish a Loan Originator Licensing System†provides that after the time periods for compliance allowed by the statute, if the “Secretary determines that a State does not have in place by law or regulation a system for licensing and registering loan originators that meets the requirements of sections 5104 and 5105 and subsection (d) of [section 5107], or does not participate in the Nationwide Mortgage Licensing System and Registry, the Secretary shall provide for the establishment and maintenance of a system for the licensing and registration by the Secretary of loan originators operating in such State as State-licensed loan originators.†HUD’s review of state compliance is limited to sections 5104, 5105 and 5107(d).

David, mortgages originated by any lender, including banks, must be accomplished by an originator with the national RMLO registry number, banks aren't exempt nor are the loan officers.Before I go there, CA has its state licensing requirement, which may exempt bank employees who have the national RMLO license, passing the national test and offer an avenue for RE brokers to obtain a license.

It's safer to send a letter when contacting someone if the contact was not solicited.http://realtormag.realtor.org/sales-and-marketing/feature/article/2003/11/answers-your-national-do-not-call-registry-questionsGood luck!

You can research through the registry of deeds if they have a mortgage or not.

I am not sure if these are required to be recorded at the registry.

What is plaguing me is that I see that the property is still occupied and the registry of deeds most recent listing is "Discharged" and instead of a mortgage listed or deed it says MERS.

It's not at all rare that a rental property owner will carry a note for you.3) Workers at the Registry of Deeds are your best friends.

I believe they also cross reference the DNC registry.