If you own your home you`ve probably received plenty of offers to refinance your loan, since interest rates have been so low lately. But if those companies come looking for you, the mortgage experts say you should be on your guard. That`s just one of the tactics they use to give customers home loans that they may not need. Saturday morning, the Attorney General`s office along with the Argenta Neighborworks Home Ownership Center held a workshop to educate homeowners on looking out for loan sharks. Both offices say they usually prey on minorities, low-income residents, or the elderly. This year the legislature passed the Arkansas Home Loan Protection Act, which places limits and restrictions on some high cost home loans. The panelists said loans with very high interest rates or excessive up-front fees are considered high cost home loans, and can lead to home foreclosures.