Posted by Jian Xiu
Stay Safe from Mortgage Scams!
In today’s world, scams are everywhere, especially in the mortgage industry. Here are a few common mortgage-related scams you should be aware of:
- Phantom Foreclosure: Scammers might pose as lenders or legal reps, claiming you’re at risk of foreclosure and charging fees to “help” you. They’re just out to take your money.
- Loan Modification Scams: Beware of those offering to modify your mortgage for a fee. They may ask for an upfront payment and then disappear without delivering any services.
- Home Equity Scams: Fraudsters often target homeowners with equity, proposing risky deals or charging large fees upfront, potentially leading to significant equity loss or even the loss of your home.
- Fake Lenders: These scammers offer too-good-to-be-true loan terms and ask for personal info or fees upfront, then vanish without providing any actual loan.
- Foreclosure Rescue Scams: Targeting those behind on payments, these scammers claim they can negotiate with your lender. Often, they take your money and do nothing.
- Protect Yourself: Always research who you’re working with, verify their credentials, and never pay upfront fees for mortgage or foreclosure services. If it sounds too good to be true, it probably is.
Have questions or need guidance? Consult us at Plenti Mortgage—we’re here to help!
我们生活在一个骗局如此多的世界里！以下是消费者应注意的一些常见的与抵押贷款相关的骗局。
- 幻影止赎：诈骗者可能会假装是贷方或法定代表人，声称您欠款或有止赎的风险。他们可能会收取费用以“帮助”您避免止赎，但他们只是拿走了您的钱。
- 贷款修改诈骗：诈骗者提出修改您的抵押贷款并收取费用，但他们可能无意帮助您。他们可能会要求预付款，然后消失或未能提供承诺的服务。
- 房屋净值诈骗：欺诈者可能会以拥有房产净值的房主为目标，提供帮助获得该净值。他们可能会提出有风险的交易或要求预先支付高额费用。最终结果可能是您失去房屋或您的资产净值显着减少。
- 虚假贷款人：诈骗者冒充合法贷款人，提供好得令人难以置信的贷款条款。他们可能会预先要求提供个人信息或费用，但随后在没有提供任何实际贷款的情况下消失了。
- 止赎救援骗局： 这些骗子针对拖欠抵押贷款付款的房主，帮助他们避免止赎。他们可能会声称他们可以代表您与贷方进行谈判，但他们通常只是拿走您的钱而什么都不做。
为了保护自己，请务必研究您正在考虑与之合作的任何人，验证他们的凭据，并且永远不要为与抵押贷款或止赎帮助相关的服务支付前期费用。如果某件事听起来好得令人难以置信，那很可能是真的。您可以在 Plenti Mortgage 咨询我们，我们可以帮助回答您的问题。