Homebuyers don’t expect this scam

Most homebuyers assume the biggest risk is getting outbid.

But the real danger usually shows up quietly.
Right before closing.
Right when emotions are high and timelines feel tight.

That’s when scams work best.

Not because buyers are careless — but because they’re human.

By the time you reach the closing stage, you’ve already done so much.
You’ve negotiated.
You’ve sent documents.
You’ve answered emails, texts, and last-minute requests that all feel urgent.

So when a message comes in that looks familiar…
Sounds professional…
And says something needs to be done now —
It doesn’t raise alarms the way people expect scams to.

That’s the problem.

Real estate and wire fraud scams don’t scream, “This is fake.”
They blend in.
They copy email signatures, logos, and language you’ve already been seeing for weeks.
They rely on pressure and timing — not tricks.

And the closer you are to the finish line, the easier it is to assume:
This must be real. Everyone’s been asking for things nonstop anyway.

The safest buyers aren’t the fastest ones.

They’re the ones who pause before clicking.
Who verify instructions by phone — using a number they already trust.
Who ask questions even when they feel silly doing it.

Especially then.

Because no legitimate lender, title company, or real estate professional will ever be upset that you double-checked. In fact, they expect it.

Buying a home is one of the biggest financial decisions you’ll ever make.
Protecting it isn’t about paranoia — it’s about awareness.

If you’re buying this year, this is one of those things you don’t want to learn the hard way.

Slow down.
Confirm before you send.
And never let urgency override clarity.

That peace of mind at the closing table is worth it.