Protect Your Home from Scams

Whether you’re a new homeowner or you’ve been making mortgage payments for years, scammers know how to make an offer, notice or message look legitimate. They may use official-looking logos, urgent language or information that makes it seem like they already know details about your home or mortgage.

The best defense? Pause, verify and never let pressure make the decision for you.

Know the red flags:

A request to change how you make your mortgage payment

Be especially cautious about unexpected emails, texts or calls asking you to send your payment somewhere new or provide personal or financial information. Don’t use the phone number or link included in a suspicious message. Instead, contact your mortgage servicer using contact information you already know is legitimate. You can email HomeLoanServ directly: support@​homeloanserv.com.

An urgent offer to “save your home”

Scammers may promise to reduce your mortgage payment, stop foreclosure or get you special assistance and ask for an upfront fee or tell you to stop communicating with your servicer. Legitimate help is available, but you should verify who you’re dealing with before paying or signing anything. To contact a certified housing counselor at Idaho Housing and Finance you can email housingcounseling@ihfa.org.

Official-looking notices about your property

Some homeowners receive letters that appear to come from a government office, lender or other trusted organization and offer to provide documents or services for a fee. Before responding, research the company and contact the organization directly using a phone number or website you know is real.

Home warranty or service offers that sound like an emergency

Mailers, calls and other solicitations may suggest that your home warranty is about to expire or that you need immediate coverage. Take time to check whether the company is actually connected to your lender, builder or existing warranty provider before sharing information or paying for a service contract.

Your homeowner scam checklist:

Stop. Don’t make a payment or share information just because a message looks official.

Verify. Contact the company or organization directly using a trusted phone number, website or statement – not the information provided in the suspicious message.

Protect. Keep important documents, including your deed and mortgage records, secure and be cautious about who gets access to your personal information.

And remember: If something seems suspicious about your mortgage account or payment, HomeLoanServ is here to help you verify it before you act. You can also check out the Consumer Financial Protection Bureau to educate yourself further about scams and fraud.

A few extra minutes to verify a message could help protect something that took years to build — your home, your money and your peace of mind.

Warmly — Your HomeLoanServ Team