Obnoxious refinance junk mail has long been a reality of homeownership. The fliers land in your mailbox, sometimes several a week. They chide, they beckon, they entice.

But those with adjustable-rate mortgages could be in for a special refinance-flier onslaught.

This summer, six months before the rate on his adjustable mortgage is to reset, Jason Qunell began seeing such pitches. Many, many of the pitches.

They use phrases like “final notice” and include expiration dates or authorization numbers. One that Qunell received said: “Due to market conditions in the banking and finance industry and after reviewing your loan history we must inform you that your options for a new mortgage at a lower monthly payment may be quickly vanishing.”

Though Qunell plans to refinance with his original lender, he said the language and forcefulness of the marketing caused him some concern.

“Even the envelope they come in, they make it look like it’s from the bank that owns my mortgage,” he said. Qunell said he used an adjustable-rate mortgage because he was new to his commission-paid job and didn't yet have a long salary history for a conventional fixed-mortgage application when he bought in East Tacoma.

Doug Duncan, a chief economist at the Mortgage Bankers Association in Washington, D.C., told me last month that October through December will be the peak of new, higher rates – and pricier payments – for those whose adjustable rates are resetting.

Assistant attorney general Dave Huey, who specializes in lending fraud, told me last week that he couldn’t say whether his office planned to take any action against companies sending such solicitations.

“We’re seeing them more and more and, yes, we’re concerned,” he said.