Planning To Pay Off Your Mortgage This Year? Better Have Home Title Monitoring…

For many homeowners, paying off a home mortgage is a major New Year’s resolution representing freedom, security, and a sense of accomplishment years in the making. But while becoming mortgage-free may feel like crossing the finish line, it can also make your home a bigger target for fraud if you’re not protected.

 

If you plan to pay off your mortgage this year, there’s one critical safeguard you shouldn’t overlook: Home Title Monitoring. 

 

Why Paying Off Your Mortgage Can Increase Risk 

 

Your mortgage company keeps a close watch on your property records while you’re still paying a lender. Once your mortgage is paid off, that extra layer of oversight disappears — and criminals know it. 

 

Home title fraud, also known as home deed theft, happens when criminals steal personal information and use it to: 

• File fraudulent deed transfers 

• Take out loans against your property 

• Sell your home without your knowledge 

• Forge documents to claim ownership 

 

In many cases, homeowners don’t discover the crime until they receive collection notices, foreclosure threats, or legal paperwork — long after the damage is done. 

 

The Growing Threat of Home Title Theft 

 

As an ever-increasing number of data breaches exposes the sensitive information of millions around the country, the risk of identity theft, including home title fraud, has never been higher. Frequent targets of home title theft include homeowners who have significant equity or own their home outright, as well as those who own less-monitored properties like vacant homes, second homes, or rental properties. 

 

Criminals also prey on older adults, those who are recently mortgage-free, and people who don’t actively monitor their property records.

 

Because property records are public, scammers can easily identify homes that are fully paid off. Without the proper safeguards in place, a homeowner may not realize their home deed has changed until it’s too late. 

 

 

How IDSeal’s Home Title Monitoring Protects You 

 

This is where Home Title Monitoring becomes essential. 

With Home Title Monitoring, IDSeal® helps you stay informed by: 

• Monitoring your home title and deed records 

• Alerting you to any changes, updates, or suspicious activity 

• Helping you act quickly if something doesn’t look right 

 

Early detection is critical. The sooner you know about a potential issue, the easier it is to stop fraud before it escalates into a legal and financial nightmare. Think of Home Title Monitoring as the security system for your ownership rights. It doesn’t just protect the house you live in — it protects your name, your equity, and your peace of mind. 

 

Mortgage-Free Doesn’t Mean Risk-Free 

 

Paying off your home mortgage is a significant milestone and a testament to years of hard work and careful planning. Just remember that once the loan is gone, your responsibility to protect your home increases.

 

With IDSeal Home Title Monitoring, you can enjoy the freedom of owning your home outright while staying ahead of the threats that target mortgage-free homeowners. True peace of mind comes not just from owning your home but ensuring it remains protected with IDSeal’s comprehensive protection.