The largest wire of your life deserves a 60-second phone call.
For most people, closing day is the biggest money transfer they will ever make — and criminals know it. Here's exactly how we protect your funds, and the one habit that makes you nearly fraud-proof.
Our rules, on the record
- We never accept or request wire-instruction changes by email. Ever. An email that says otherwise is fraud, full stop.
- Every wire is verified verbally — a phone call to a known number before money moves.
- Our instructions don't change mid-transaction. If anything about your closing funds ever needs to change, you'll hear it from your escrow officer's voice.
Your 3-step habit (teach it to everyone you love)
- 1 · Get wire instructions early and once — directly from your escrow officer, at the start of the transaction.
- 2 · Before wiring, call the title company at the number on their website (never a number from an email) and verbally confirm the account details.
- 3 · Treat every "updated instructions" email as an attack — even if it looks perfect, even if it quotes your file number. Especially then.
Why this matters
Wire fraud losses in U.S. real estate run into the billions every year, and the emails are no longer sloppy — they quote real file numbers, copy real signatures, and arrive exactly when you expect closing instructions. Technology can't fully stop a perfect forgery. A phone call can.
Questions before your closing? Call 385-464-2060 — a real person who knows your file will answer.
Common questions
What is real estate wire fraud?
Criminals compromise or spoof an email account in your transaction, then send you convincing "updated wire instructions" days before closing. Once money is wired to a fraudulent account it is very difficult to recover. It is the single most damaging scam in American real estate.
How do I know wire instructions are really from OnRecord Title?
Simple — we never change wire instructions by email. If you receive an email claiming our instructions changed, it is fraud. Call us at 385-464-2060 (from our website, not from the suspicious email) and verify verbally before sending anything.
What should I do if I already wired money to a fraudulent account?
Act immediately — minutes matter. Call your bank and request a wire recall, call us, and file a complaint with the FBI's IC3 at ic3.gov. Funds reported within 24–48 hours have the best recovery odds.