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If you’ve recently bought a #home in #Maryland — or you’re about to — there’s something very important you need to know.
Right after settlement, your home purchase becomes public record.
Your name. Your address. The fact that you just bought a property.
And unfortunately, that means scammers know it too.
At closing, our title attorney, Erika Madden with Universal Title, always gives buyers this warning before they walk out the door.
Over the next few weeks, your mailbox will start filling up with letters that look extremely official.
You may see things like:
• “Final Notice” letters about your mortgage protection insurance
• Offers to get you a copy of your deed for $80 or $100
• Mail that looks like it’s from the county recorder’s office
• Letters saying you must purchase a home warranty immediately
• Notices that appear to come from your lender
Many of these letters are designed to look like government documents.
But here’s the truth:
Most of them are solicitations.
Some are overpriced services you don’t need.
And some are outright scams.
For example, a common one asks you to pay $80–$100 for a copy of your deed.
You already own the deed.
And if you want a copy, you can get one from the county for just a few dollars — sometimes even free online.
Another popular one is mortgage life insurance that makes it look like you’re required to sign up immediately.
You’re not.
If you ever want insurance, talk to a licensed insurance professional — not a random letter that shows up in your mailbox.
Here’s the simple rule Erica tells every buyer:
If it didn’t come from your lender, your title company, or your real estate agent — treat it with caution.
And if you’re ever unsure?
Call your agent.
Seriously. That’s what we’re here for.
Buying a home is exciting, and unfortunately there are companies out there hoping you’ll panic and send them money.
Don’t.
Just because it looks official doesn’t mean it is.
Stay informed, stay skeptical, and enjoy your new home. #Catonsville
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