Home Refinancing Scam ? Thieves Use Identity Theft to Steal Your Equity

Since the demise of the stock market in 2000, the real estate market has been booming. Investors who are justifiably cautious about investing in stocks have been investing in homes. This has driven the prices of homes in the United States to record levels. Long-time homeowners are discovering that they have a tremendous amount of equity in their homes as the values rise, sometimes in the hundreds of thousands of dollars. The past five years have been good to homeowners and lenders. Unfortunately, the past five years have also been good to equity thieves, who are using identity theft to steal the equity from homes, often without the homeowner's knowledge.

As the median value of a home in the United States is currently a little more than $200,000, there is plenty of incentive for the equity thief. The scam is relatively simple and usually involves homes that are completely paid off. The thief obtains a copy of the homeowner's Social Security number and a fake driver's license in the homeowner's name. Using this fake identification, the thief forges a quitclaim deed, a document transfers a homeowner's interest in a property to a third party. The document says, in essence, "I don't want this property anymore." The property can then be transferred to anyone the thief chooses. Once the transfer has taken place, the thief applies for a home equity loan, takes the money, and simply walks away. In an alternate scenario, the thief simply sells the house and pockets the money. As most agencies involved in real estate transactions are quite busy these days, property transfers of this type can often be accomplished without drawing undue attention.

This is just one of many scams that have sprung up in recent years involving real estate. While the authorities are certainly interested in catching the thieves, such cases quickly become rather complicated and few police departments have the necessary expertise required to deal with these cases, since they are fairly new. More often than not, the homeowner has little recourse other than to sue the mortgage company involved in the transaction. The best defense against a possible identity theft/equity theft scam is to protect your identity carefully and to avoid giving anyone your Social Security number if you can possibly avoid it. Failing to do so could cost you your home.

©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a Website devoted to debt consolidation information and HomeEquityHelp.net, a site devoted to information on home equity loans.

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Mortgage Questions to Ask Your Lender

Buying and financing a home today can be overwhelming. Here... Read More

Adjustable Rate Basics

An adjustable rate loan, most simply stated, means that your... Read More

Home Loans -- Federal Regulators Warn Lenders to Be More Careful

Federal banking regulators have recently expressed some concern over the... Read More

Fixed-To-Adjustable-Rate-Mortgage

What is a Fixed-To-Adjustable Rate Mortgage?This type of mortgage offers... Read More

Finding the Online Homeowner Loans You Want

Online homeowner loans have been growing in popularity in recent... Read More

Mortgage Lead and Mortgage Leads

A mortgage lead is an exciting thing because you are... Read More

What is an Interest Only Mortgage?

An Interest Only Mortgage is one where the repayments are... Read More

Home Mortgage Refinancing ? What?s in Your Contract?

Are you one of the millions of Americans who will... Read More

Buying A Home With No Money Down or Bad Credit - PMI Can Make It Easier

Private mortgage insurance is an excellent method for homebuyers who... Read More

Carolina Mortgage Loans

You're selling your home and are looking to relocate to... Read More

Mortgage Research Good News for House Buyers

Figures from the Council of Mortgage Lenders show that in... Read More

Key an Eye on Your Mortgage Payments

In previous decades, when a borrower missed a payment on... Read More

Home Loans ? Would You Buy a Home Without an Inspection?

The housing market has exploded, with home prices rising beyond... Read More

Mortgages After Bankruptcy: Easier Than You Would Expect

Give yourself time to rebound. Whether you had to turn... Read More

This Secret Weapon Will Eanble You To Close Up To 200% more Home Remodel Sales

Many Homeowners are not aware of all the options that... Read More

Home Buyer Beware ? Know the Signs of Real Estate Market Trouble

Lots of articles have appeared recently about the booming real... Read More

Home Mortgage Loan Refinancing Online - 3 Tips on Refinancing Your Home

When refinancing your home, it's helpful to know a few... Read More

Home Equity Loans - Are They Right For You?

The bills are out of control and you need a... Read More

Home Mortgage Loans - Fixed Rate, Adjustable or Balloon, Which One Is Right For You?

When you're shopping for a new home-especially for the first... Read More

Mortgage Terminology for the First Time Home Buyer

Buying a Home for the first time can be a... Read More

Bad Credit Mortgage Loans Online - How Your FICO Credit Score Can Affect Your Loan Approval

When applying for a mortgage loan when you have a... Read More

Home Equity Loan ? A Reverse Mortgage Could Provide a Comfortable Retirement!

While only comprising about 1% of all mortgages, the reverse... Read More