How Can Someone Steal The Title To Your Home?

What is the difference between a title and a deed?

A title refers to the legal right to own something, especially land or property, while a deed is the document that shows you have this right..

Can someone sell my house without my permission?

If the property is owned in joint names then both parties would need to sign a Transfer for a sale, so in most cases a sale without your knowledge would not happen. However, if the property is held solely in your spouse’s name they could sell the property and then have the entire sale proceeds available to them.

What happens if you can’t find the deeds to your house?

If you have paid off your mortgage and don’t have the deeds, then you should contact the Mortgage Company in any event to see if they are still holding them. Try contacting local solicitors or the Solicitor who acted when you acquired the property to see if they have any documentation relating to the property.

Can someone really steal the title to your home?

If someone steals your property title, a lot can happen. First, if the title is stolen and you’re not aware, you can lose your property. The thief could sell your property or refinance it, not pay the mortgage and allow it to enter foreclosure. The theft of your deed is the result of identity theft.

Can someone steal your house without you knowing?

In reality, deeds are public records and anyone can go online and print the recorded deed to your house. This sounds scary. In fact, there are services that claim that people are going to go online and steal your house without you knowing it. … As stated, you don’t need a certified copy of your deed.

How common is home title theft?

Title theft or deed fraud occurs when someone obtains the title of a property, usually by stealing the owner’s identity and recording a forged deed to change ownership of the property’s title. … My research shows that title theft is still a fairly rare occurrence.

Can someone steal your home title online?

Home title fraud is usually a result of identity theft. Many transaction and document requests are done online, which can increase the chances of criminals stealing information. … Other targets of home title fraud are people who own second homes, vacation homes and real estate investment properties.

Is a home title lock necessary?

However, some industry experts will tell you that title lock protection isn’t necessary. They state that, if you’re truly worried about title fraud, you can just check those public records yourself each month instead of paying a third-party service to do that work for you.

How can I protect my home from identity theft?

Here’s how to protect yourself.Get serious, not scared. Don’t let the horror stories freak you out. … Place security freezes and fraud alerts. … Secure your devices. … Keep an ID-theft file. … Review all your personal data files. … Stop unsolicited credit-card offers. … Monitor accounts often. … Respond rapidly.