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Homeowner Education

The latest news, tips, and tricks for homeowners

HomeLock™ (Property Fraud)

A house protected by a digital shield and padlock, with legal documents and a shadowy theft threat representing UCC liens and home title protection.
April 30, 2026

Can a UCC Lien Protect Your Home From Title Theft?

Homeowners are right to take title theft seriously. Deed fraud often involves someone impersonating a property owner and recording fake or forged documents in local land records, which can lead to legal costs, loss of equity, property-value problems, and serious transaction delays.2 But not every “protection” method is equally practical.
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Suburban backyard with a utility easement corridor visible along the property boundary, showing power lines and a fence line separating two residential properties
April 21, 2026

What Is an Easement on a Property?

An easement gives someone else the legal right to use part of your land — even without your permission. Learn the types of easements, how they affect your title, and what every homeowner needs to know.
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Stressed homeowner sitting at a kitchen table reviewing legal documents and a property deed with a laptop showing county recorder records
April 21, 2026

What Is a Lis Pendens?

A lis pendens is a public notice that a lawsuit involving your property is pending — and it can freeze a home sale in its tracks. Learn what it means, why it is filed, and how to remove it.
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Elderly couple reviewing a transfer on death deed document at a kitchen table with a property deed and estate planning paperwork
April 21, 2026

What Is a Transfer on Death Deed?

A transfer on death deed lets you pass your home directly to a beneficiary when you die, bypassing probate. Learn how TOD deeds work, their pros and cons, and the fraud risks every homeowner should know.
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Land with a fence over the surveyor line.
April 20, 2026

What Is Adverse Possession?

Adverse possession is a legal doctrine that allows a trespasser to claim legal ownership of your property after occupying it openly and continuously for years. Learn the requirements and how to protect your land.
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Man looking at a quiet titlle action paper.
April 20, 2026

What Is a Quiet Title Action?

A quiet title action is a legal proceeding used to establish clear property ownership, remove fraudulent deeds, and resolve title disputes. Learn how it works and when you need one.
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Does Title Insurance Cover Fraud After You Buy a Home?
April 16, 2026

Does Title Insurance Cover Fraud After You Buy a Home?

Standard owner’s title insurance protects against pre-purchase title defects but generally does not cover deed theft or fraudulent transfers that occur after closing. Learn what is and isn’t covered, and how active property monitoring fills the gap.
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A shadowy figure at a desk with a document labeled Home Equity Line of Credit and a warning stamp, representing HELOC fraud.
April 15, 2026

Can Someone Take Out a HELOC on My House Without My Knowledge?

Yes, someone can take out a HELOC on your house without your knowledge through identity theft or deed fraud. Learn the warning signs and how to protect your home equity with HomeLock™.
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Homeowner reviewing property title records, deed documents, and a clear-title checklist
March 23, 2026

How Do I Know If My House Title Is Clear?

How do I know if my house title is clear? Learn the homeowner checks that reveal liens, title defects, recording errors, and other risks that can cloud ownership.
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Homeowner reviewing a property fraud alert after a county filing notice with deed records on a desk
March 18, 2026

What Is a Property Fraud Alert? What It Does—and Does Not—Do for Homeowners

A property fraud alert is not protection. It does not stop deed fraud, block filings, or lock your title. Instead, it alerts you after a monitored filing is detected so you can respond faster. This guide explains what county property fraud alert programs actually do, what they miss, and why homeowners should treat them as an early-warning tool rather than a complete safeguard. You’ll learn how free county alerts usually work, which homeowners should care most, what steps to take after an alert, and how alerts fit into a broader property-fraud response strategy that includes strong records, monitoring, and faster action when something looks wrong.
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