The service
What is title fraud?
Title fraud is when someone sells or mortgages a property without the owner’s knowledge, often using stolen identity documents or a forged Power of Attorney. See how it happens.
Is Lighthouse Title Alert insurance?
No. It complements title insurance but doesn’t replace it. Speak with a real estate lawyer about the title insurance coverage that’s right for you.
How much does it cost?
One property is $99.99 a year plus a $250 one-time setup fee. Two properties are $149.99 a year plus a $425 one-time setup fee. Fees are subject to applicable taxes. Registering three or more properties, or a property owned by a corporation? Contact us about volume pricing. See Pricing for details.
How long does setup take?
Setup can take up to 3 weeks to allow the restriction to be registered.
Does it protect against Power of Attorney abuse?
Yes. It helps protect against both misuse of a legitimate POA and forged POA documents. A lawyer can also advise you on how your POA is set up.
Could I register a restriction myself?
You could, but it’s unlikely to offer the same protection as Lighthouse Title Alert. Our role as an independent third party helps ensure that there is a connection to the real you, not those pretending to be you, so that you can intervene if you need to. It also helps to cover other types of situations such as Power of Attorney abuse or fraud.
Your property and title
Will this stop me from selling or refinancing?
No. You can sell or finance your property whenever you choose. The restriction’s main job is to deter fraudsters.
What is a restriction, and why does my title say “no dealings”?
A restriction is registered on title and sets conditions that must be met before anyone can transfer or finance the property. A “no dealings” indicator is added automatically when it’s registered.
I have a mortgage or HELOC. Am I already protected?
Not fully. A mortgage may deter some fraud, but it doesn’t prevent it. A HELOC can even make you an easier target, especially for older homeowners.
Will it put buyers off when I sell?
It should do the opposite. Buyers get extra confidence that the sale is legitimate.
Alerts and Trusted Contacts
How will I receive alerts?
Alerts are sent by email. We may also contact you by phone if necessary.
What should I do if I get an alert?
Just follow the instructions in the alert. If you authorized the transaction, then you likely need to do nothing else. If you didn’t, however, you should contact a real estate lawyer as soon as possible to take steps to stop the transaction.
Can I change my Trusted Contacts without telling them?
Alerting your Trusted Contacts of changes, including to their appointment, can be important in protecting you and your property. But we understand that there may be circumstances where you do not wish to do so. Please contact us at . More about Trusted Contacts
Ready to protect your property?
Still have a question? Call 647.598.4089 and we’ll talk it through.
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