Just monitoring your title for changes only provides 50% coverage, and is only triggered after the fraud or error has occurred. Our Property Fraud Protection System, HomeLock™ protects your home proactively by using various databases and triggers to catch fraud or errors before, during, and immediately after the event.

Home equity theft is when a criminal steals the equity on a home by taking out fraudulent loans on the property. When criminals take out a mortgage against someone’s home equity, the rightful homeowner might face the prospect of losing their property.

Title fraud, also known as deed fraud or “house stealing”, is when a criminal transfers the properties ownership without the true owners knowledge. All the criminals need to do is file a fraudulent deed with the county. It is the fastest growing white-collar crime in the United States, according to the FBI. This type of fraud can go undetected causing a collection of issues including the unlawful transfer of ownership of property to the next buyer.

Your local County Clerk or Comptroller will not verify the accuracy of a document. A fraudulent document can be entered into the Official Records as long as the criminal has filled out the proper documentation and paid the appropriate fees. Recently, with the contactless closings and lack of industry digitization, home equity fraud is easier to commit now, more than ever.

The police can only do so much after the fraud is reported and the fraudster has had time to cover their tracks. The most important factor in stopping fraud is timing, the faster the fraud is discovered, the less damage is done. HomeLock™ is the only proactive monitoring service on the market, giving the homeowner immediate alerts, allowing them to take action before, during, and right after fraud or errors.

No, today there is no such thing as "locking" your title, in the future with blockchain technology, this might be possible. Our system monitors your property at the county level on a daily basis and will send you an email alert if there are any changes. We also monitor over 200+ data points and have a custom search engine effectively giving you the closest thing to "locking" your title via monitoring available on the market.

Title insurance only protects you up to the date of you purchasing the property. Homeowner’s insurance does not cover fraud, forgery, or title theft.  Property fraud is not covered as part of homeowner insurance policies. HomeLock™ monitors and protects your home from the day you purchase your home, ongoing, with daily scans to alert you of any activity changes.