Frequently Asked Questions

Answering your questions about title fraud and Home Title Lock

What is Home Title Lock?

Home Title Lock is a Monitoring & Alert service. We provide three key services to our customers:

  1. 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.

  1. 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.

  1. History of Title - Free: We provide a free title history report (a $60 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.
How much does Home Title Lock cost?

Home Title Lock offers two pricing options:

$9.99 monthly

OR

$99.95 annually (saves you 16%)

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When I subscribe to Home Title Lock, am I signing a contract?

No, you may cancel your subscription at anytime.

What is title fraud (or house stealing)?

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.

How often does title fraud occur?

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. The FBI named it one of the fastest growing white collar crimes in America and, like other white collar crimes, title fraud remains under reported with losses totaling more than $5 billion in 2015.

On average, what are the losses per incident of Title Fraud?

Title fraud losses per incident average over $103,000, compared to identity theft losses that average $1,300 per incident.

Are there other companies that provide the same protection as Home Title Lock?

Home Title Lock is the only company that provides nationwide monitoring and alerts, as well as access to a team of title experts.

I already subscribe to an identity theft prevention service. Will these services protect me from title fraud? How are they different?

Simply, no.

While both are serious crimes, 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, 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.

Why would someone steal my home?

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.

Who are the criminals that steal homes?

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.

Why does the County Recorder’s Office not prevent this?

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.

I paid for title insurance when I bought my home. Does that protect me?

Simply, no. Title insurance is required by lenders to ensure that when you bought your property you have a clean title. Title insurance only protects you up to the day you closed escrow and before, it does not cover future events. Your title is uninsured going forward and you will have to use your own money to defend against any criminal attack.

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