(US-KY) Why does my Mortgage Company keep trying to offer me Equity Loans/Credit when I have less than 20% Equity?

(US-KY) Why does my Mortgage Company keep trying to offer me Equity Loans/Credit when I have less than 20% Equity? I bought my house back in 2019 through a local Mortgage Broker. They almost immediately sold my Mortgage to PennyMac. For the first few years I didn't really get anything out of the ordinary from them. Now it seems like every day I'm getting e-mails and unsolicited phone-calls from them offering me Equity Loans and HELOC options, which I always ...

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