A home title or deed scam, also known as home title theft, occurs when a fraudster gains access to a homeowner's property title, often through identity theft, and transfers ownership without the owner’s knowledge. Once the scammer has control over the deed, they might use it to take out loans against the property, sell it, or access the homeowner’s equity. In some cases, unsuspecting homeowners only learn about the scam when they receive foreclosure notices or realize their property has been sold.

This scam often involves forging documents to appear legitimate, targeting vulnerable populations like the elderly or homeowners facing financial difficulties. Other methods include fraudulent refinancing offers or fake home equity lines of credit (HELOC). While this type of fraud is relatively rare, the consequences can be severe, with homeowners potentially facing legal challenges to regain control of their property.