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Protect your money

Fraud & Scam Center

Land, lending and construction attract fraud because the dollar amounts are large and the deadlines feel urgent. Slow down — urgency is the scam.

Never accept wire instructions by email, text or a phone number provided in an email. Call your closing agent at a number you independently looked up, verify every digit, and confirm receipt afterward. Wired funds are usually unrecoverable.

How each scam works

Scam-warning checklist

0 of 10 complete (0%)

I verified every license number in the official state or federal database myself
I never accepted payment instructions that arrived or changed by email
I called the closing office at a number I looked up independently
I confirmed the seller's ownership in the county land records
I refused to pay any fee by gift card, cash app or cryptocurrency
I have a written contract before any deposit
I confirmed the contractor's license, bond and insurance directly with the insurer
I never sent my full Social Security number by plain email or text
I confirmed permits are being pulled by a named responsible party
I slowed down whenever someone created urgency

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Reports are reviewed by our team. This form is not a law-enforcement report.

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Results are estimates and educational guidance only. Dirt to Dream does not guarantee loan approval, credit-score improvement, program eligibility, property suitability, construction cost, appraisal value, grant availability, or professional performance. Always verify current information with the appropriate official agency or licensed professional.

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Dirt to Dream provides educational information and planning tools. It is not a lender, mortgage broker, real estate brokerage, law firm, credit-repair organization, appraisal company, insurance agency, or government agency. Program availability, eligibility rules, interest rates, income limits, loan limits, and property requirements may change. Users must confirm current requirements with an approved lender, housing agency, government office, attorney, licensed contractor, inspector, or other qualified professional.

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