Your home is likely one of your most important investments — and unfortunately, it’s becoming a growing target for scammers. Home title fraud is a serious crime that can go unnoticed until it’s too late. At First National Bank of Michigan (FNBM), we want to help you recognize the warning signs and protect your property.

What Is Home Title Fraud?

Home title fraud occurs when a criminal steals your identity and uses it to forge documents that transfer ownership of your home into their name — without your knowledge. Once the scammer has control of the title, they might try to:

• Take out loans or lines of credit using your property as collateral
• Sell your home to an unsuspecting buyer
• Leave you with the financial and legal mess of proving you still own your property

Because title documents are recorded publicly, this type of fraud can happen without the homeowner ever being contacted.

How to Spot the Warning Signs

Home title fraud can be difficult to detect, but there are red flags that may indicate something is wrong:

• You stop receiving property tax bills or mortgage statements
• You receive unexpected notices about loans or liens on your property
• You discover unfamiliar documents filed under your name with the county
• You receive mail addressed to someone else at your property

If you notice any of these signs, contact your county recorder’s office and your bank immediately.

Steps You Can Take to Protect Yourself

While no one can completely eliminate the risk, there are practical steps you can take to help safeguard your home:

1. Monitor your property records.
   Many counties offer free online access to property documents or notification alerts when new filings occur.
2. Protect your personal information.
   Shred sensitive documents, use strong passwords, and be cautious about sharing personal details online.
3. Check your credit reports regularly.
   Unauthorized activity may signal identity theft before title fraud occurs.
4. Consider title monitoring or identity theft protection services.
   These can help you spot unusual activity tied to your property or personal information.
5. Stay alert for scams.
   Fraudsters often contact homeowners pretending to be government officials or title companies. Always verify before responding.

We’re Here to Help

At First National Bank of Michigan, we take fraud prevention seriously. If you suspect suspicious activity involving your accounts or property, contact us right away. Our team can help you take the right steps to protect your financial security.

Your home is more than an investment — it’s your foundation. With awareness and vigilance, you can keep it safe from fraud.

In the market to finance a new or first home? Contact one of our Residential Mortgage Specialists.

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