Let’s Talk About Title Fraud—and How to Protect Yourself

Ever heard of title fraud? It’s one of those things that sounds like it could never happen to you… until it does. Basically, it’s when someone illegally transfers the ownership of your home—yep, your home—to themselves or someone else, often using forged documents or stolen personal info. Scary, right?

Title fraud involves unauthorized individuals illegally transferring ownership of a property to themselves or another party. This can occur through forged documents, identity theft, or fraudulent liens, leading to potential financial loss and legal complications for the rightful owner.

So, who’s at risk? Honestly, anyone. But it’s especially a concern for folks who own second homes, vacant properties, or aren’t regularly checking up on their title status. Elderly homeowners can also be more vulnerable, especially if they're not monitoring their records closely.

The good news? There are some simple ways to protect yourself:

• Keep an eye on your property records with your local recorder’s office.

• Protect your personal info like it’s gold (because it kind of is).

• Consider title insurance—it can offer a safety net.

• Work with trusted professionals when buying or selling property.

Staying vigilant and informed is key to protecting your property rights. For more detailed information, refer to NAR's Consumer Guide on Understanding & Protecting Yourself From Title Fraud.

Bottom line: a little vigilance can go a long way in protecting one of your biggest investments—your home.