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Monitor your credit reports. Check the status of your deed. Consider buying an owner's title insurance policy.
Home title fraud occurs when someone obtains the title of your property usually by stealing your identity to change ownership on your property title from your name to theirs. Home title fraud offers a potentially lucrative payoff for criminals skilled in identity theft.
Why You Need Home Title Lock to Protect Your Property Thieves transfer you off your home's title and take out massive loans using your home's equity. You won't know until you get late payment notices. Identity theft programs, banks, and homeowner insurance policies DON'T protect you.
They say that thieves can steal our homes by forging our names on deeds, then resell the property or take out mortgage loans to drain its equity. They pocket the proceeds and stick us with any mortgage payments.
Home Title Lock is a month-to-month subscription that sells for $14.99 (or $149 annually) and can be cancelled at anytime.
Title Insurance may not cover a title theft that occurs while you own the property, however, there may be policies available that do cover this. Title theft protection companies that you may have heard advertised will notify you instantly if they detect someone tampering with your title or mortgage.
House or title deeds are very important legal documents that need to be stored somewhere safe. You can keep your title deeds at home if you take some precautions, such as using a suitable safe.
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