2Sly asked:
I’ve been getting calls from a Mortgage Protection company at my home and they are asking for a family member who does not live here and never has.He has gotten loans and credit cards in my name before.Who do I need to contact to find out about this?Would there be a department in the courthouse that has this information?When the company calls they won’t give me any information at all.
Fixed Rate Home Equity Loans
I’ve been getting calls from a Mortgage Protection company at my home and they are asking for a family member who does not live here and never has.He has gotten loans and credit cards in my name before.Who do I need to contact to find out about this?Would there be a department in the courthouse that has this information?When the company calls they won’t give me any information at all.
Fixed Rate Home Equity Loans
Tags: Contact, Credit Cards, Family Member, Knowledge, Loans, Mortgage Company, Mortgage Protection, Protection Company
4 responses to Where can I find out if someone has taken out a mortgage on my home without my knowledge?
Student Loan Refinancing
mortgages have to be recorded with county clerk. some even offer searches on line to see if mortgage record exists.
otherwise go to county clerk office.
mortgage protection is not mortgage though. someone is trying to sell protection insurance.
Where can I find out if someone has taken out a mortgage on my home without my knowledge?
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1. Check your credit reports. Put security freezes on them if you suspect fraud from this person.
2. Check with the county clerk/recorder about your home. If there’s a mortgage you don’t know about, there will be a corresponding lien on the property.
Where can I find out if someone has taken out a mortgage on my home without my knowledge?
Instant Auto Insurance Quote
Has to be recorded in the county where the property is located.
Try the recorder/clerk of court and pull all open mortgages indexed under your name to your property
Fixed Rate Home Equity Loans
All good answers here. Keep in mind the calls you are getting are about “life insurance” to protect against the early death of a breadwinner who might be paying a mortgage. That’s what the term “Mortgage Protection” means in the business. My guess is it’s just a cold telemarketing call. The person calling may not even know if there is a mortgage on the property. They are just dialing phone numbers perhaps in an area where there are a lot of property owners.
It does happen, but the odds of him having gotten a mortgage on the property are slim.
But check your county clerk’s office to see if documents were recorded. A scam that was recently running in a major city was the false recording of “quit claim deeds.” This is where a scammer would go into the clerk’s office and file a document which the true owner supposedly signed relinquishing their rights to the property. You can imagine what could happen from there. Yes, this was occurring in a major city. It made the news.
I am sure most recording offices have a tighter reign over their business, records, and procedures than this.
Anyhow, check the records, check your credit. Get the incoming number from caller ID if you can and call them back. And if it were me, the next time they call, I would say I am the person they are looking for. Then you can find out what it’s about. If they are looking for a male and you are female or vice versa, then find someone who can do it for you. If necessary, put them on hold and run to get a neighbor who can pretend to be the person.
Your mind might not be set at ease until you know why they are REALLY calling – regardless.
Good luck…
Have a great Holiday.
Where can I find out if someone has taken out a mortgage on my home without my knowledge?
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