So many of these providers in town. They have a mortgage in the new areas of the city, and they need access to your wallet. It's not really about your needs, the focus is on what they need. But they have not figured out any ways to provide any repeating value. If you look dumb enough they might propose ways of accessing your wallet faster, but seriously what are you there for? to pay off other people's mortgages? Take care of your own loved ones FIRST.
And to the OP - original poster, you need to stop asking questions only, and add some value soon. Good Luck.