Charlotte Chang, Arizona Licensed Broker (BR698065000), warns every Taiwanese and Chinese-speaking homeowner about deed fraud — one of the fastest growing property crimes in the US. Many owners don't discover their title has been forged until they try to sell. Here are 5 ways to protect yourself starting today.
在美國「契據欺詐」(Deed Fraud) 這個課題對亞裔客戶極其重要，不少屋主直到準備出售房產時才驚覺名下早被人偽造轉讓！
第一種：買「增強型產權保險」
Enhanced title insurance — the insurance company fights the fraud on your behalf.
購買 Post-Policy Forgery 保障，涵蓋偽造風險。一旦發生問題，保險公司代你出面處理，不用自己打官司。
第二種：用 LLC 持有房產
Holding title in an LLC makes it harder for fraudsters to find your personal information.
以公司名義登記，讓詐騙者難以查到個人資料。多一層保護，多一道門檻。
第三種：放進生前信託
A living trust adds verification layers — and handles inheritance at the same time.
增加產權轉讓的層級驗證，兼顧安全與遺產傳承。一舉兩得。
第四種：別急著塗銷抵押
An existing mortgage on record makes your property less attractive to deed fraudsters.
裝作仍有房貸，讓紀錄顯示房子還有抵押。詐騙者看到有貸款的房子，通常會直接跳過。
第五種：開啟 Title Alert
Real-time notification the moment anyone files paperwork on your property.
一有產權異動，立即收到通知。很多縣政府提供免費的 Title Alert 服務。早發現，早處理。
預防＋監控，要一起做才夠安全。
如果你想知道如何檢查自己的保單，或想查詢你所在縣（County）的免費警報連結，歡迎直接聯絡曉青姐，我很樂意為你服務！
曉青姐，說真話的鳳凰城房產經紀人 Charlotte Chang — The Phoenix Realtor Who Tells You the Truth
LINE: @charlotte_chang
WeChat: CharlotteChang
Facebook: Charlotte Chang Real Estate
