![]() ![]() ![]() ![]() The monthly plan costs $19.95/month and offers homeowners 24/7 monitoring of their title and title resolution team support. Home Title Lock has three plans that homeowners can choose from when signing up for their home title monitoring service: a monthly plan, a 12-month plan, and a 4-year plan. This report shows past activity on your property and can also inform you if you’re already a victim of title fraud. Home Title Lock can help give homeowners more clarity and peace of mind while navigating through the legal process of returning a home title to its rightful owner.įinally, Home Title Lock offers all new customers a free, comprehensive title report, valued at $100. The process homeowners have to go through to undo efforts by home title criminals can be complex and time-consuming. This support is offered and available in the event that the homeowner becomes a victim of home title theft or attempted theft. Homeowners can monitor their titles on their own, but to do it requires them to manually check county records to ensure that no changes have been made to their titles.Īdditionally, Home Title Lock also provides customers with resolution team support or a dedicated title resolution agent depending on the plan purchased. The company monitors titles for customers 24/7 and sends alerts if they detect that new documents that could affect your property value or ownership. Home Title Lock is primarily an always-on title monitoring service. It’s the only company that provides nationwide monitoring and fraud alerts with a Fraud and Resolution Division supervised by a retired FBI agent. Home Title Lock is a legitimate service that offers real-time home title monitoring and title protection for homeowners. Here are some answers to common questions that will help you understand more about what Home Title Lock is and why you might want it. Is Home Title Lock a legitimate service and is it something you should be paying for? Consumers can also periodically check their property record online, on the website of their county’s register of deeds.įind more of our coverage on home sweet home here.You’ve heard and seen the ads, you’ve started doing your own research, but you may still be wondering: Please feel free to check with your county.Ĭounties that offer the service will notify consumers via text or email any time a document is recorded on their property, same as Home Title Lock but at no cost. There are various counties that offer some form of title monitoring as a free service. After some digging, found that the company actually acknowledges this in an FAQ on its website: Putting aside the fear-mongering, the monitoring services that Home Title Lock puts a price on may be available free of charge. Moreover, on its website Home Title Lock characterizes a situation in which your title or mortgage would become compromised as an “unlikely event.” (No such disclosure is made in the scary TV ad.) Is it still now? “They’re hacking your deed, they’re doing it all the time,” a man in a cowboy hat says in the TV commercial above. Home Title Lock has latched onto the FBI’s efforts to pursue mortgage fraud cases to justify paying for its services, stating on its website that the “FBI has continued to dedicate significant resources to the threat announcing a mortgage fraud takedown referred to as Operation Stolen Dreams.”īut the FBI made that announcement 10 years ago. They can borrow against it and you would be responsible for the payments. They simply print the title documents, forge your signature stating that you sold your house, use a fake Notary seal and re-file it as the new owner. Here’s how it works, according to a quote attributed to company spokesman and the president’s personal lawyer Rudy Giuliani on the Home Title Lock website:Īll home titles are vulnerable and kept online where thieves hunt them. Title fraud is real but it may not be as widespread a problem as Home Title Lock makes it out to be. Prompted by a consumer tip, looked into the company’s marketing. ![]() But it will charge you $15 a month for monitoring services that you may be able to get for free. Home Title Lock won’t prevent you from becoming a victim of title or mortgage fraud. ![]()
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