This information is courtesy of the Texas Land Title Association.

随着远程工作和通过电子邮件和文本与客户沟通的日益普及, it’s crucial to confirm the identity of potential clients. 您的经纪公司使用的任何验证过程必须统一适用于所有个人. 跟上这些2021十大正规彩票app，以保护您和您的客户免受卖方冒充欺诈.

红旗

缺席的主人

  • Listing property that is non-owner occupied.
  • 例子包括空地, 填筑空地, unoccupied acreage or ranch land, 租赁财产, short-term 租赁财产 such as Airbnb, 第二个家, 还有一个度假屋.

低价或全现金交易

  • 潜在的卖家希望以低于市场价值的价格出售房产，并且只希望买家愿意支付全部现金.

FSBO，未知卖家

  • The property wasn’t listed with a regular agent, 而是通过一个由业主出售的网站，在Zillow等公共平台上分享房源.
  • 在买家提出报价之前，没有人认识卖家，甚至没有人和卖家谈过.

Communicates Only Through Text or Email

  • The seller actively avoids any face-to-face or phone conversations, solely relying on text or email for communication.
  • 打电话时，卖方的语音信箱接听，卖方通过文本或电子邮件回复.

急于关门

  • During 谈判s with the buyer, the seller readily accepts almost all terms, prioritizing a quick cash transaction.
  • 卖方对提议的费用、成本分配、佣金或其他条款没有表示反对.

拒绝参加闭幕仪式

  • The seller might initially express a willingness to attend the closing in person, 但随着截止日期的临近, the seller suddenly becomes unavailable. 然而, the seller is still available to sign the documents with a notary, often in a different city or state.

可疑电汇说明

  • 卖方提供款项的电汇指示，将款项汇入离房产或税单邮寄地址不近的银行.

可疑电话号码

  • 当卖方的电话号码被反向搜索，以确定它是否属于该财产的所有者, it shows as a completely unrelated name or as unknown (e.g.一次性手机).

Best Practices to Protect Your Business and Clients

在网上查询税务或估价记录，在物业记录中查找业主的姓名和地址

  • 如果物业地址和邮寄地址与卖方似乎从哪里打来电话不同, 这引发了一个问题，即卖方是否可能是冒充业主的人，以及代理是否应该采取措施核实他们的身份.

Send a Confirmation Letter to the Property Owner

  • 寄到物业地址(如果不是主要住所，请转发)和税单的邮寄地址. 信中应该明确说明你正在列出财产，并将这封信作为防止欺诈的措施. 它应该提供你的联系方式，并要求业主联系，以确认业主出售该物业的意图.

访问由有限责任公司或公司拥有的财产的州务卿在线公司记录.

  • 这些记录包括经理、注册代理人和/或管理人员的姓名和地址. 然后，你可以向他们寻求帮助，以联系和核实真正的业主

Ask the Seller To Provide a Government Issued Photo ID.

  • Once received, follow these steps:

    • 验证ID上的地址与税务记录是否匹配，以及当前是否有效.
    • 将身份证上的签名与县书记员不动产记录中的记录文件进行比较, such as a deed of trust or MUD notice. 您首选的产权公司可以帮助您提供必要的文件进行比较.

Set Up a Video Call With the Seller.

  • If the seller refuses a video call without a valid reason, it’s a red flag indicating potential fraud. 如果你能视频通话的话, ask the seller property-specific questions that only the owner would know. Trust your instincts if anything seems suspicious during the conversation.

Request Copies of Documents That Only the Property Owner Would Have

  • 要一份税单的复印件, 帐单, copy of the settlement statement, 标题的政策, or survey from when the property was purchased

使用调查数据库(如Forewarn或IDI Core)对提供的电话号码进行反向目录搜索.

  • This search will reveal the owner of the phone number or indicate if it’s unknown, suggesting the use of a burner phone to conceal the person’s true identity.

使用可靠的产权公司

  • Make sure the title company has implemented its own fraud-detection procedures.

鼓励你的邮件收件人为该物业地址创建一个谷歌提醒.

  • This alert will notify them if the property is marketed or mentioned publicly. 你还应该为你自己的列表设置谷歌提醒，以防止诈骗和欺诈活动.

If You Believe You Are a Victim of Seller Impersonation Fraud

  • Cease all communication with the fraudulent seller.
  • Terminate the listing immediately.
  • Notify all involved parties of the fraud.