CONSUMER ALERT
Don’t Get Duped: Foreclosure Relief Scams Are on the Rise
If you’re behind on your mortgage, you’re a prime target. In April 2025, Washington, DC saw one foreclosure filing for every 3,939 housing units — a reminder that scammers are circling when homeowners are most vulnerable.
How the Scam Plays Out
Fraudsters pose as your lender, a government agency, or a housing program. They may:
- Call, email, or show up at your door with “guaranteed” foreclosure prevention offers.
- Demand you pay them directly instead of your lender.
- Pressure you to sign over your deed.
- Ask for sensitive personal or financial information.
Once they get what they want, they disappear — and you could still lose your home.
Red Flags to Watch For
- Upfront fees for mortgage relief (illegal under federal law).
- Fake affiliations with HUD or your lender.
- Title transfer offers to “save” your home.
- Absolute guarantees to stop foreclosure.
- High-pressure deadlines to act immediately.
How to Protect Yourself
- Verify help: Contact your lender or a HUD-approved housing counselor before signing anything.
- Never pay upfront for mortgage relief services.
- Keep your deed: You don’t need to give up ownership to get help.
- Protect your info: Don’t share SSNs, bank details, or mortgage info with unverified people.
- Get it in writing: Read every document carefully.
Stay email-smart: Don’t click suspicious links.
Report Suspected Scams
If you think you’ve been targeted:
1. DISB Enforcement & Consumer Protection – 202-727-8000
2. FBI Internet Crime Complaint Center – IC3.gov or 202-278-2000
3. Federal Trade Commission – [email protected]