09/13/2026
The scariest email you can get before closing (and how to spot it!) ๐ป๐
You are three days away from closing on your new home. You check your email and see a message from your Title Company with the subject line: "URGENT: Updated Wire Instructions for your Cash to Close."
Do NOT go to the bank. Do NOT send the wire. Pick up the phone!
Here is the biggest cyber threat in real estate right now:
Hackers monitor the emails of title companies and real estate agents. When they know you are about to close, they will create a fake email address that looks almost identical to your escrow officer's email (like changing ".com" to ".com").
They will email you "updated" bank routing numbers. If you wire your $40,000 down payment to that fraudulent account, the money immediately goes overseas, and it is gone forever. You lose your money, and you lose the house.
The Golden Rule for Closing:
Title companies will never randomly change their wiring instructions at the last minute via email. Before you wire a single dollar, you must call the title company using a verified phone number you found on Google (not the number in the email signature) and verify the routing number out loud with a human being!
Stay safe out there!