Wire Transfers & Refinance: How to Stay Safe

Wire fraud is one of the fastest-growing threats in real estate—and refinancing is no exception. Cybercriminals target borrowers, title companies, and lenders to intercept wire instructions and divert funds. 

Here’s how to protect yourself. 

Watch for Fake Emails 

Hackers often impersonate title companies or lenders with convincing emails that include fake wire instructions. 

Red flags: 

• Last-minute changes to wiring instructions 

• Pressure to act quickly 

• Slightly misspelled email addresses 

  
  

How to Stay Safe 

• Call to verify wiring instructions using a trusted phone number 

• Do not rely on emailed instructions alone 

• Confirm bank details directly with your title company before sending funds 

• Avoid clicking links in emails from unknown or suspicious sources 

  
  

Pro Tip: 

Ask your title company for a "Secure Wire Instructions" sheet at the beginning of the process—and verify again before sending. 

At Title Stream, we use encrypted communications and internal verification steps to help protect your funds at every stage of the transaction.