# Title Theft Safeguards?

**URL:** <https://community.clark.com/t/title-theft-safeguards/2315>\
**Category:** Uncategorized\
**Created:** [February 25, 2023, 5:36pm UTC](https://community.clark.com/t/title-theft-safeguards/2315 "2023-02-25T17:36:15Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![Perpatriddle](https://avatars.discourse-cdn.com/v4/letter/p/c68b51/32.png) [@Perpatriddle](https://community.clark.com/u/Perpatriddle)\
**Post date:** [February 25, 2023, 5:36pm UTC](https://community.clark.com/t/title-theft-safeguards/2315/1 "2023-02-25T17:36:15Z")

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How real of a threat is title theft ?

What are some safeguards you can take ?

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**Author:** ![butler](https://avatars.discourse-cdn.com/v4/letter/b/ac91a4/32.png) [@butler](https://community.clark.com/u/butler)\
**Post date:** [February 26, 2023, 3:28am UTC](https://community.clark.com/t/title-theft-safeguards/2315/2 "2023-02-26T03:28:10Z")

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I don’t know how real the threat is…but here is what we do for all of our investment properties. As soon as they are free and clear, we setup a HELOC with one of our many portfolio lenders for 70% ARV with little to no cost. I think you just need something to cloud the title so that it comes up during a title search to prevent it from being sold out from under you. Yes, someone can file a false Warranty Deed with the courthouse but the lien wont be satisfied and it would come up on a subsequent sale. In any case, owners title insurance should be a given nowadays.

We also utilize Land Trusts for obscuring the ownership but that is well beyond the scope of a message board post.

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**Author:** ![H200h](https://avatars.discourse-cdn.com/v4/letter/h/e79b87/32.png) [@H200h](https://community.clark.com/u/H200h)\
**Post date:** [February 26, 2023, 5:32am UTC](https://community.clark.com/t/title-theft-safeguards/2315/3 "2023-02-26T05:32:56Z")

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> [@butler](#):
>
> In any case, owners title insurance should be a given nowadays.

You’ll get a much better protection package with an ALTA or extended title policy.

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**Author:** ![NancyM](https://avatars.discourse-cdn.com/v4/letter/n/439d5e/32.png) [@NancyM](https://community.clark.com/u/NancyM)\
**Post date:** [February 26, 2023, 7:07pm UTC](https://community.clark.com/t/title-theft-safeguards/2315/4 "2023-02-26T19:07:59Z")

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I never thought of that as a benefit of having a HELOC ! I have one, for repairs, etc., but this is an added benefit. Interesting.