Your property is being sold right out from under you. That is scary, alarming and concerning to hear and that’s exactly what you feel when you see these commercials for companies that will protect you from this happening to you.
I recently received this excellent handout from a colleague at Title Guaranty on this subject of Deed Theft.
Listen to these four points taken from the handout;
- First, there is no way to “lock” a title or deed.
- Second, anyone can monitor the county records at any time by either visiting the county office in person or checking online. In most cases, monitoring the county records online is free of charge and some counties offer an automated option.
- Third, this type of service is not a replacement for title insurance. A home title lock cannot replace title insurance. Their services do not help cover any financial burden of title issues or mortgage fraud.
- Last, even if a forged deed is recorded in the county — the homeowner does still own their home. Even if the fraudster does take out a loan secured by the stolen property the homeowner is not the victim; the lender is, since the scammer never legally owned the property a lender has no legal claim and would be unable to foreclose when the fraudster fails to repay the loan.
This is a rare event and someone cannot steal your property by forging your name. If you would like to see this handout in its entirety message me for a copy.
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If you have any questions about buying or selling on Kauai, feel free to reach out—I’d love to help.
Aloha! 
Lynda Gill RS Lic 63088
Hawaii Life
808.346.0056
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