Protect Your Home (and Title!) from Fraud
At a recent industry event, one of the closing attorneys mentioned something that caught my attention — and it’s something every homeowner should know. They’ve seen a noticeable increase in fraudulent title activity—people trying to illegally transfer property ownership to themselves, often through forged deeds.
These cases are especially common with vacant homes or investment properties, where communication happens only by email and no one meets the “seller” in person.
These scams are becoming sophisticated, and the fallout can be devastating. So, let’s use this as a quick reminder for both new homeowners and long-time owners to stay protected.
Title Fraud—What’s Happening and Why It Matters?
Title fraud happens when someone forges your name on property documents to transfer ownership without your knowledge or consent. Once recorded, they can even try to take out loans or sell the property. Unfortunately, property records are public, so scammers can target homeowners using that information.
How to Protect Yourself:
- If you own property in Fulton County, you can sign up for R.E.A.A.C.T. (Real Estate Activity Alert and Contact Tool):
https://apps.fultonclerk.org/reaact/
Once you register your parcel ID, you’ll receive email alerts any time a filing is made for your property — so you can take action right away if something looks off.
- For all other Georgia counties, use FANS (Filing Activity Notification System):
https://fans.gsccca.org/
This free system sends text or email alerts whenever a filing is recorded in your name or for your property. If you get a suspicious notice, contact the County Clerk’s Office or local law enforcement right away.
Bonus Tip: Don’t Forget Your Homestead Exemption!
While we’re talking about protecting your home—let’s also talk about maximizing your benefits. If you purchased a primary residence in 2024 or 2025, make sure you’ve applied for your Homestead Exemption. You might be surprised to know how many homeowners haven’t applied yet—more than half of the borrowers whose refinance options I recently reviewed! This simple step can significantly reduce your property taxes, but I’ve noticed that many recent homeowners still haven’t done it.
Applications are typically due by April 1 each year—but check with your county for exact deadlines.
Bottom Line:
Your home is one of your greatest investments—let’s make sure it’s protected from both fraudulent activity and missed savings opportunities.
- Set up alerts for any filings on your property.
- Apply for Homestead Exemption if you haven’t yet.
- And as always, reach out if you have questions about your loan, refinance options, or property-related paperwork.
If you’re unsure whether you’ve filed for Homestead Exemption or want to double-check your property’s county registration tools, I’m happy to help point you in the right direction.
The BankSouth Mortgage Advantage
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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.
Market data sourced from Mortgage News Daily and MBS Live. *Annual escrow statements may be provided at different times of the year. Please check with your mortgage servicer for details. **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: Friday, November 7, 2025
