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Home / Articles by Shachi Bhardwaj / This Isn’t Something We Used to Worry About… AI is Changing Real Estate Fraud

This Isn’t Something We Used to Worry About… AI is Changing Real Estate Fraud

Mortgage Update with Shachi Bhardwaj

Every now and then, something comes up in conversations with attorneys or industry partners that makes me think, “This is worth sharing.”

They’ve been seeing more cases of fraudulent activity related to property ownership — people trying to transfer ownership using forged documents.

And just when we think it can’t get more concerning… there’s now a new layer to this: AI is making these scams more sophisticated.


What Does That Actually Mean?

In simple terms, scammers are getting better at looking “real.”

They can now:

  • create very convincing emails
  • generate fake documents
  • even impersonate people using voice or video

In some cases, they’ve tried to pose as property owners to sell homes they don’t actually own.

It sounds extreme… but it’s happening more often than we realize.


Who Do They Usually Target?

Typically, properties where there’s less day-to-day visibility:

  • vacant homes or lots
  • rental or investment properties
  • second homes
  • properties with a lot of equity

Not because those owners did anything wrong — just because it’s easier for fraud to go unnoticed.


A Quick Reminder: What Is Title Fraud?

It’s when someone tries to transfer ownership of your property without your knowledge.

Once that happens, they may try to:

  • sell the property
  • take out a loan against it
  • or access the equity

And because property records are public, that information is unfortunately accessible.


What Can You Do?

The good news is — protecting yourself doesn’t have to be complicated.

Set Up Alerts (This is the easiest step)

If you own property in Fulton County, you can sign up here.

For other Georgia counties, you can file here.

You’ll get notified if anything is recorded under your name or property.

Pause Before Responding:

If you ever receive something unexpected about your property:

  • an email
  • a notice
  • a request for information

Take a moment to verify before responding.

Trust Your Instincts:

If something feels off, it probably is. And it’s always okay to ask.


Bottom Line

Your home is one of your biggest investments.

The way fraud happens may be evolving… but staying informed and taking a few simple steps can go a long way.

If you ever get something you’re unsure about, or just want a second opinion, I’m always here.

Even if it’s just a quick question. No pressure. Just clarity.


The BankSouth Mortgage Advantage

Experience the speed of ReadyApprove from BankSouth Mortgage, where you can secure conditional approval for conforming loan limits within hours.

With ReadyLoan®, you can make this process even easier. Our digital platform lets you apply, track your loan progress, and submit documents securely—all from your computer or mobile device. You’ll be armed with the confidence to quickly submit an offer, and the seller will see you as a serious, prepared buyer.

Have peace of mind with our FREE one-time rate float-down* and no lender fee refinance** options!

When you purchase your home with me at BankSouth Mortgage, you may be able to refinance later with no lender fees. This program offers flexibility as life changes, with the potential for savings when it matters most.


*One-time float down available on 45-120 day rate locks. Float down must be executed at least 15 days prior to closing and must be at least .125 improvement. **This offer may change or end at any time without notice. “No Lender Fees” refers to waived origination charges. Eligibility conditions apply. Subject to credit and property approval.

Blog post date: Thursday, April 23, 2026

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Shachi Bhardwaj By Shachi Bhardwaj
The opinions expressed within this article are the author’s and do not necessarily reflect the opinions or views of BankSouth Mortgage or its affiliates.
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