How to Spot and Prevent Mortgage Scams

Scams can show up in your mailbox, email, or even your text messages. Some look official. Some sound urgent. Most are trying to get you to act fast without checking the details.

Here’s how to protect yourself and know what’s worth your attention.

1. Watch for red-flag language

Scam messages often try to pressure you. Phrases like “Final Notice,” “Immediate Action Required,” or “Time-Sensitive Document” are meant to make you worry.

A legitimate lender won’t communicate this way. If something feels off, it’s worth taking a second look.

2. Don’t trust names or logos alone

Scams often include familiar names or logos to gain your trust. You might see the name of your mortgage company or a brand that looks real. That doesn’t make the message legit.

In mail, check for fine print that says something like “not affiliated with your lender.”

In emails, scammers may disguise who the message is really from.

In texts, links may lead to fake sites that look convincing but are designed to trick you.

Always contact your lender directly using the contact info you already have, not the one listed in the message.

3. Know what scams usually look like

Scammers' tactics are always evolving, but it’s important to be aware of common methods. Here are some of the most prevalent types of mortgage-related scams:

• Mail scams that try to charge you for a copy of your deed or public property records
• Fake insurance or mortgage protection plans that seem required but aren’t
• Wire fraud during closing where scammers pose as your lender or title company and change payment instructions

4. Be careful with personal info

Scammers often ask for details like your Social Security number, bank account info, or loan number. Your real lender already has this information and will not request it over text or email without warning.

5. Never pay using gift cards or wire transfers

If someone asks you to pay with a prepaid debit card, wire transfer, or gift card, stop immediately. These payment methods are hard to trace and are a major red flag.

A legitimate company will provide secure and trackable ways to pay.

Unsure? Ask your lender

Scams can be convincing. If you ever feel unsure about a message, it’s always okay to ask. Reach out and we’ll take a look to help you figure out if it’s real or not.