No, the mortgage company will make a formal evaluation and inspection to ensure that your gold necklace is true and effective. They will carefully check the purity and quality of the necklace to determine whether it is the same as when it is sold. If they find any problems or shortcomings in the necklace, they may ask you to pay extra fees to compensate for their losses.

In addition, mortgage companies usually have strict legal provisions and industry standards to ensure the legality and fairness of dealing with collateral. So they are unlikely to change your gold necklace into a fake one on purpose.

If you have no confidence in your gold necklace, you can choose to go to a regular jewelry store for evaluation and identification to get more accurate information and suggestions.