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Category: Wire Fraud & Security

  • How Realtors Can Protect Clients (and Commissions) from Wire Fraud

    How Realtors Can Protect Clients (and Commissions) from Wire Fraud

    Fraudsters target real estate agents because agents know when closings are coming — and clients trust them. A compromised agent inbox can lead to a buyer’s down payment, a seller’s proceeds, or even a commission check being redirected.

    Secure your own accounts

    • Turn on multi-factor authentication for email, MLS, transaction management, and banking.
    • Use a password manager and unique passwords.
    • Avoid sending sensitive documents as open email attachments; use secure portals.
    • Check email forwarding rules regularly — attackers often add hidden rules.

    Educate buyers at contract

    The best time to warn a buyer is the day the contract is signed, not the day before closing. Tell them in writing and in person:

    1. The title company will never change wire instructions by email.
    2. Always call the title company at a number from its website before sending money.
    3. Call you immediately if anything looks unusual.

    Share our wire fraud prevention page with every buyer.

    Protect commissions

    Commission redirection scams use fake brokerage emails asking the title company to send commissions somewhere new. Sure Title verifies any change to disbursement instructions by phone with the brokerage using known contact information.

    Work with a title company that takes security seriously

    Sure Title uses Closinglock identity verification, secure wire instructions, and digital earnest money, and keeps communication inside Qualia instead of open email.

    Need help with a Memphis or North Mississippi closing? Email orders@suretitleco.com or call (901) 881-0606. Sure Title Company handles title insurance, escrow, and closings for buyers, sellers, Realtors®, and lenders.

    Related: Wire Fraud Prevention · For Realtors · Our Technology

    This article is general information, not legal, tax, or financial advice. Every transaction is different — consult your attorney, lender, or tax professional about your situation.

  • How to Avoid Wire Fraud When Buying a Home in Memphis

    How to Avoid Wire Fraud When Buying a Home in Memphis

    Real estate wire fraud is one of the fastest-growing financial crimes in the country, and it targets the moment you are most vulnerable: right before closing, when you’re about to send your down payment.

    How the scam works

    Criminals gain access to — or convincingly imitate — the email of an agent, lender, or title company. They watch your transaction quietly, then send a message that looks legitimate: “Our bank details have changed. Please wire your funds to this new account today.” Once a wire is sent to a fraudulent account, the money can be gone within hours.

    Red flags

    • Any change to wire instructions, especially by email or text
    • Urgency or pressure: “send it today or you’ll lose the house”
    • Email addresses or domains that are slightly off
    • Requests to keep the change confidential
    • A phone number in the email that doesn’t match the one on the company’s website

    Five rules that protect your money

    1. Save your title company’s phone number from its official website at the start of your transaction. For Sure Title, that’s (901) 881-0606.
    2. Before you wire anything, call that number and verbally confirm the instructions.
    3. Treat every emailed change in payment instructions as fraud until proven otherwise.
    4. Use secure digital payment options for earnest money when they’re offered.
    5. Call the title company right after sending funds to confirm they arrived.

    How Sure Title protects you

    We use Closinglock to verify every buyer’s and seller’s identity and to deliver wire instructions only inside a secure, encrypted portal — never as an email attachment. Earnest money can be sent digitally through our secure link, and outgoing payoffs are verified before funds leave escrow.

    If you think you’ve been targeted

    Act immediately. Call your bank and ask them to recall the wire, then call your title company, and file a report with the FBI’s Internet Crime Complaint Center at ic3.gov. The faster you act, the better the chance of recovery.

    Need help with a Memphis or North Mississippi closing? Email orders@suretitleco.com or call (901) 881-0606. Sure Title Company handles title insurance, escrow, and closings for buyers, sellers, Realtors®, and lenders.

    Related: Wire Fraud Prevention · Escrow Services · Our Technology

    This article is general information, not legal, tax, or financial advice. Every transaction is different — consult your attorney, lender, or tax professional about your situation.