Skip to main content
Español

Housing Scams

Beware of these frauds and scams when buying or foreclosing on a home.

Xổ số miền bắc 2 .

  • Xổ số miền bắc 2If you have an issue with a move across state lines, .

  • Xổ số miền bắc 2If you have a complaint about an intrastate move (a move within the boundaries of a state), contact your.

  • Xổ số miền bắc 2File a report using the .

  • How to Hire a Mover and Protect Yourself

    Xổ số miền bắc 2Get tools from to help you protect yourself against moving fraud. Keep these tips in mind to avoid moving scams:

    Do

    • Get a company representative to come to your home for a realistic estimate of the move.

    • Get a written estimate from several movers. In general, estimates are based on time, the number of movers needed, who does the packing, and the number of rooms to be moved.

    • Verify that the company is insured in case your goods are damaged during the move.

    • Ask for the company’s U.S. Department of Transportation (DOT) number and to check if the company is registered.

    • Reach out to your local, county, or state consumer affairs agency or state attorney general to see if there is a complaint record.

    Don’t

    • Don’t accept an estimate over the phone.

    • Don’t sign a blank contract.

    • Don’t pay for the move in advance or in cash.

    • Xổ số miền bắc 2Don’t let movers start packing your goods into the truck without reviewing the contract and estimate again. Do this before the move starts.

    Get Help With International Moves

    Xổ số miền bắc 2Get tips and resources about moving to another country.

    • Overseas moving estimates are based in part on how much space (cubic volume) your household goods occupy in a shipping container.

    • International moving may involve customs and import regulations.  Learn more by contacting you are relocating to. 

    • Xổ số miền bắc 2Before selecting a mover, make sure the company has a number. All legitimate international movers will have an FMC number.

    • Xổ số miền bắc 2You can file a complaint with the FMC’s .

    • .

    .
  • If the scam involves bankruptcy, contact a .
  • How to Protect Yourself from Foreclosure Scams

    Get reliable foreclosure help and counseling through the government's . Or near you.  and find phone numbers to call for help.

    Do

    Learn about your options. Also be aware of these tricks that scammers use:

    • Offering to act as a go-between with your lender or to negotiate with your lender to refinance your loan
    • Advising you that they can stop foreclosure by .
    • Encouraging you to sign fake foreclosure rescue or mortgage documents
    • Claiming that they can perform a to help you hold onto your home
    • Offering you

    Don’t

    • Don’t fall for .
    • Don’t send mortgage payments to any company that is not your loan servicer.
    • Don’t sign any documents without having them reviewed by a lawyer or independent expert.
    • Don’t stop making mortgage payments.
    • Don’t forget that .
    • Don’t give anyone your personal information, Social Security number, or bank information. Only share this information if you've confirmed that the company is legitimate.  

    Predatory Loans

    Mortgage professionals can help you buy or refinance your home.  Most are trustworthy and provide a valuable service. But dishonest or "predatory" lenders do exist. They engage in practices that can put you at risk of losing your home to foreclosure. Learn how to protect yourself from and report predatory lending and loan fraud.

    Report Predatory Loans

    Learn how to file a complaint about mortgages and lenders, and who to send your complaint to.  

    How to Protect Yourself from Predatory Loans

    To protect yourself from predatory loans, get counseling or learn about the types of scams that dishonest lenders may use to trick you. 

    The Department of Housing and Urban Development (HUD) has . These counselors can help you:

    • Navigate mortgage professionals

    • Look out for scams

    • Assist you with choosing the right type of loan

    You can also protect yourself by learning the warning signs of predatory lending practices. Predatory lenders may try to:

    • Sell properties for much more than they are worth using false appraisals

    • Encourage borrowers to lie about their income, expenses, or cash available for down payments in order to get a loan

    • Knowingly lend more money than a borrower can afford to repay

    • Charge high interest rates to borrowers based on their race or national origin and not on their credit history

    • Charge fees for unnecessary or nonexistent products and services

    Do

    • Xổ số miền bắc 2Before you buy a home, attend a homeownership education course. Non-profit counseling agencies offer courses which give advice about mortgages and foreclosures. Find out which are approved by the U.S. Department of Housing and Urban Development (HUD).  

    • Xổ số miền bắc 2Before selecting a realtor to help you buy or sell a home, ask for and check their references. 

    • Get information about the current values and recent sale prices of other homes in the neighborhood.

    • Xổ số miền bắc 2Hire a qualified and licensed home inspector to carefully inspect the property before you are obligated to buy.

    • Xổ số miền bắc 2Determine whether you or the seller will be responsible for paying for the repairs.

    • Xổ số miền bắc 2Shop for a lender and compare costs.

    • Xổ số miền bắc 2Be suspicious if anyone tries to steer you to just one lender. Learn more about how to .

    • Become an educated consumer and .

    Don’t

    • Don’t lie about your income, age, or anything else on a home loan application.

    • Don’t give anyone your personal or financial information through email or messaging. This includes your Social Security number.

    • Xổ số miền bắc 2Don’t use a lender, real estate professional, or contractor who cannot provide you with a license number and recommendations.

    • Don’t fall for loans or offers that seem too good to be true.

    • Xổ số miền bắc 2Don’t take out a loan offered to you by telemarketers, flyers, or door-to-door sales.

    • Xổ số miền bắc 2Don’t feel obligated or pressured to sign up for a loan or service “today.”

    Rental Scams

    Xổ số miền bắc 2Rental scams happen when either a property owner or potential tenant misrepresents themselves. Rental scams also misrepresent the terms and availability of a rental property. Fake ads and fake responses to rental ads can hurt both tenants and property owners.

    Scams Targeting Renters

    Xổ số miền bắc 2If you're searching for rental properties, it's important to learn about rental scams. 

    Report Scams Targeting Renters

    Report a rental scam to your state consumer protection or local law enforcement.

    Xổ số miền bắc 2If you found the rental ad online, report the scam to the website where it was posted. Also, file a report with the .

    How to Protect Yourself from Scams Targeting Renters

    Xổ số miền bắc 2Be suspicious that the property or transaction could be a scam if:

    • Xổ số miền bắc 2The advertised price is much lower than that of similar properties.

    • Ads for the property have grammatical and spelling errors, or overuse capital letters.

    • Xổ số miền bắc 2The ad uses uncommon spellings of words, like "favour" instead of "favor."

    • Xổ số miền bắc 2You can only work with an agent. The agent says that the owner is too busy, out of the country, or otherwise unavailable to handle the rental.

    • Xổ số miền bắc 2The owner or agent requires you to sign the lease before you see the rental property.

    • The owner or agent isn't able to let you enter the home or apartment or charges you a fee to view it.

    • Xổ số miền bắc 2The owner or agent uses high-pressure sales tactics. They may urge you to rent quickly before someone else gets the property.

    Do

    • Xổ số miền bắc 2Learn the basics of .

    • Xổ số miền bắc 2Get the terms of your rental in writing, including fees, rent, and maintenance.

    • Xổ số miền bắc 2Get a copy of the lease, signed by both you and the property owner/manager.

    • Do a search on the owner, real estate management company, and listing. If you find the same ad listed under a different name, that’s a clue it may be a scam.

    • Xổ số miền bắc 2Visit real estate websites. See if the home you want to rent is also listed in another city.  A scammer could have copied the photo or description of another rental to use in their ad. 

    • .

    Don’t

    • Don’t wire money as a deposit or payment for the first and last month's rent. Wiring money is the same as giving cash; you can't get a refund, even if you find out the offer was a fraud.

    • Xổ số miền bắc 2Don’t give in to high-pressure sales tactics.

    • Don’t pay a security deposit, fee, or first month’s rent before you’ve signed a lease.

    • Xổ số miền bắc 2Don’t rent a property that you are unable to see before signing the agreement.

    • Xổ số miền bắc 2Don’t send money for a rental overseas.

    • Don’t give your personal information or Social Security number to a property owner without verifying their identity.

    Scams Targeting Rental Property Owners

    Xổ số miền bắc 2If you're offering a property for lease, it's important to be aware of renter's scams. 

    Report Scams Targeting Property Owners

    If you feel that you’re the involving the internet, report it to the .

    Contact your state attorney general’s officeXổ số miền bắc 2. The office may explain your legal rights as a landlord. Also ask how to file a complaint against a renter or potential renter.

    How to Protect Yourself From Scams Targeting Property Owners

    Do

    • Xổ số miền bắc 2Search your renter’s name and email address to see if others have flagged them as a scammer.

    • Xổ số miền bắc 2Consider using a .

    • Learn more from the Federal Trade Commission about .

    • Before renting your property, meet the prospective tenant or the person who will pay the rent.

    • Conduct an image search of your property. An imposter may use images of your property to create their own listings as part of a scam.

    • Xổ số miền bắc 2Request each renter’s personal references and follow up with those individuals.

    • Carefully verify your renter’s income.

    Don’t

    • Xổ số miền bắc 2Don’t accept overpayment for rental properties.

    • Xổ số miền bắc 2If you receive a check that’s for more than the specified amount, return it. Do not deposit it. 

    • Don’t rent or sell to a would-be tenant or buyer sight unseen.

    • Xổ số miền bắc 2Don’t accept a cashier’s check from your potential tenant if he or she is out of the country.

    • Don’t fall for an unexplained urgency to rent the property. 

    Share This Page:

    Do you have a question?

    Ask a real person any government-related question for free. They'll get you the answer or let you know where to find it.

    Last Updated: September 8, 2020

    Top