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Preventing Fraud, Forgery & Identity Theft

Mortgage Fraud - Measures you can take to avoid it

  • Get referrals for real estate and mortgage professionals. Check the licenses of the industry professionals with state, county, or city regulatory agencies.
  • If it sounds too good to be true, it probably is. An outrageous promise of extraordinary profit in a short period of time signals a problem.
  • Be wary of strangers and unsolicited contacts, as well as high-pressure sales techniques.
  • Look at written information such as recent comparable sales in the area, and other documents such as tax assessments to verify the value of the property.
  • Understand what you are signing and agreeing to if you do not understand, re-read the documents, or seek assistance from an attorney.
  • Make sure your name is correct on your application.
  • Review the title history to determine if the property has been sold multiple times within a short period. It could mean that this property has been "flipped" and the value falsely inflated.
  • Know and understand the terms of your mortgage. Check your information against the information in the loan documents to ensure they are accurate and complete.
  • Never sign any loan documents that contain blanks. This leaves you vulnerable to fraud.
  • Review your credit report on a yearly basis. You can obtain a free credit report by calling toll-free 1-877-322-8228, or by going to www.annualcreditreport.com.

Identity Theft - What it is and how to avoid it
Identity theft is a serious crime. In today’s world, consumers victimized by identity theft may never be able to fully repair the damage done to their reputation and credit history. Scammers try to illegally use your personal information for their own gain. Information like your name, address, date of birth, Social Security Number, online banking passwords and PINS, and credit and check card numbers are keys to your financial information. When scammers obtain your confidential information, they can charge expenses to your accounts, create new accounts in your name, or use your personal information for other illegal purposes.
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