Home Title Lock is a Monitoring & Alert service. We provide three key services to
our customers:
- Monitoring & Alerts:
We monitor the title of your property 24/7. When new documents are recorded that affect your
property value or ownership we will alert you of the change.
- Guidance & Documents in the Case of Fraud: If potential fraud does occur, you
are not alone, our team of experts are here to help you navigate the situation. Filing the Affidavit
& Notice of False Filing will alert industry professionals that there is potential fraud.
- Comprehensive Title Report - FREE: We
provide a free title history report (a $100 value) with sign up, which allows you to see past
activity on your property and learn if you’re already a victim of title fraud.
Your Bank, Your Insurance, Trust, or I.D. Theft Protection will NOT HELP you against this type of
crime.
Home title Lock is the only company that provides nationwide monitoring and fraud alerts with a Fraud and Resolution Division supervised by a retired FBI agent. to assist in the case of fraud until the matter is
resolved.*
*Must be an active Home Title Lock member at the time of the
crime.
There are various counties that offer some form of title monitoring as a free service. Please feel free
to check with your county.
Simply, no.
While both are serious crimes, common identity theft and title fraud are different. A thief does not
need your social security number to steal your home. All a criminal needs is the name on your title and
your street address, both of which are public record. Then, they take out the loans
using your home as collateral, and disappear.
In the event your home is stolen, standard identity theft prevention services will be able to notify you
only in the instance the crook uses your name and social security number,
rather than an alias. Home Title Lock monitors using your property address. You will be alerted when new
documents are recorded that affect your property value or home ownership, regardless of the name on the
property title.
Usually not. Title insurance is required by lenders to ensure that when you bought your property you have clean title. Most title insurance policies only protect you against conveyances that occur prior to closing and will not cover conveyances that are made after closing. This can leave you alone to deal with an unauthorized and/or criminal attack.
Title fraud is when someone steals the title of your home, seeking financial gain.
Title fraud is also known as house stealing, property fraud, & deed fraud. Title fraud occurs when
someone fraudulently changes the name on your title from you to them, effectively stealing
your home. Then, the criminals take out loans using your home as collateral, pocket the money and
disappear.
Victims often don’t find out until they receive a past due notice, a foreclosure notice, or even an
eviction. By then, the criminals are gone, and the victim is facing a long, emotional and financial
legal battle that can take years and cost thousands of dollars to resolve.
Unfortunately, under most state laws, the records division for the county must accept any document that
is filed. County offices are legally barred from verifying if a person on the deed is the true owner.
The document only needs to be notarized and signed by two witnesses.
The theft of home equity occurs when a person or business defrauds, scams or otherwise steals the equity
of a homeowner. Equity is the percentage of your home's market value.
The easiest way to understand equity is to start with a home's value and subtract the amount owed on any
mortgages or other liens.
Victims often don’t find out until they receive a past due notice, a foreclosure notice, or even an
eviction. By then, the criminals are gone, and the victim is facing a long, emotional and financial
legal battle that can take years and cost thousands of dollars to resolve.
Title fraud is more common than you’d think. And it’s easy. Criminals can steal your house with more
ease and less risk than stealing your car. FBI reports show that real estate fraud is one of the fastest growing cyber crimes in America and, like other white collar crimes, title fraud remains under reported with
losses totaling more than $5 billion in 2015.
Money
Thieves don’t want to live in your home. Rather, they seek the money your home’s equity can provide. They
use that equity to take out as many loans as possible—a simple credit line, a second mortgage, a
refinancing, a home improvement loan, etc. Then they pocket the money and disappear, leaving you in a
home with potentially hundreds of thousands in debt. And you don’t know a thing about it.
Anyone.
Everything a thief needs to steal your home is public record—your street address and the name on your
title.
While these crimes are often committed by strangers both foreign and domestic, they can also be someone
much closer to the home such as family members or caretakers.
The County Recorder’s Office is not the real estate police.
The County Recorder is legally obligated to file a document, provided it is filled out correctly. It is
not the responsibility of the County Recorder to verify the validity of a document.
Home Title Lock offers three pricing options:
$19.95 Monthly Service
OR
$199.00 Annual Service - $40 Savings
OR
Our Best Offer!
$796.00 4 Year Service
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