How can I tell if mortgage mail is a scam?

Look for red flags: urgent language ("act now"), vague sender information, requests for immediate payment, and generic greetings. Legitimate mortgage companies will have clear branding, contact information, and will never pressure you to pay immediately for public records.

What should I do if I receive suspicious mortgage mail?

Do not respond or pay anything. If you are concerned about your mortgage, contact your lender directly using the phone number on your official mortgage statement—not the number in the suspicious letter. You can also report scams to the FTC at ReportFraud.ftc.gov.

Are there legitimate reasons my mortgage company would contact me by mail?

Yes. Legitimate reasons include annual escrow statements, interest rate adjustment notices, insurance requirement updates, or refinance offers from your actual lender. These will always include your loan number, clear company branding, and verifiable contact information.

Can I get my property deed and mortgage information for free?

Yes. Your county assessor or recorder office provides free access to property records, deeds, and mortgage information. Your title company can also provide copies of your documents at no charge. You should never pay a third party for this public information.

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Consumer Protection

Do Not Fall for It: The Fake Mortgage Mail Scam Flooding Homeowners

Scott Betley•January 22, 2026•5 min read

TL;DR(Too Long; Didn't Read)

•Scam letters look official but use vague language like "important information about your property" to trick homeowners
•They charge $89-$300 for public records you can get free from your county assessor or title company
•Red flags: urgent language, no company name/address, requests for immediate payment, generic greetings
•Protect yourself: verify sender identity, never pay for unsolicited offers, contact your lender directly if concerned

Scammers are sending official-looking mortgage mail designed to trick homeowners. Here is how to spot the scam and protect yourself.

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Scott Betley

Scott Betley serves Baltimore and Maryland markets. Known as @ThatMortgageGuy on TikTok (865K+ followers) and Instagram (161K+ followers), Scott educates first-time buyers on building wealth through homeownership.

(443) 567-9174 Email

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