How Do Real Estate Wire Scams Work?

By JC Pacific Corp Published 2026-09-01 Last professionally reviewed: September 2026

Real estate wire scams target the buyer's or seller's closing funds, often after criminals compromise a genuine email account, phone number or document and replace verified instructions with their own.

How Do Wire Scams Start?

  • Compromised email accounts
  • Fake escrow notifications
  • Last-minute changes to wiring instructions
  • Spoofed phone numbers
  • Stolen or altered documents
  • Phishing and social engineering

What Are the Warning Signs?

  • Urgency and pressure
  • Last-minute changes
  • A new bank or account
  • A new email address or phone number
  • Secrecy or unusual requests
  • Grammatical errors or odd phrasing
  • Requests to confirm personal data
  • Instructions that do not match prior escrow information

What Should I Do if I Sent Funds?

  • Call your bank's fraud department immediately
  • Notify escrow and your agent
  • Report the fraud to law enforcement
  • File a complaint with the FBI Internet Crime Complaint Center (IC3)
  • Move quickly; speed matters when trying to stop a transfer
  • Keep records of every instruction and message

How Do I Prevent a Wire Scam?

  • Always verify wire instructions by telephone using a known, independently confirmed number
  • Never rely on email instructions alone
  • Confirm the escrow company and contact information independently
  • Reject last-minute changes without a verification call
  • Use secure channels for personal and financial data
  • Ask your agent and escrow holder about their security procedures

Frequently Asked Questions

Can criminals intercept a real email thread?

Yes. Criminals can compromise genuine email accounts, so instructions inside a real conversation cannot be trusted on their own.

Is any closing too urgent for a verification call?

No. No legitimate closing is too urgent for a verification telephone call.

Who should I contact if I sent funds to a scammer?

Start with your bank's fraud department, then escrow, your agent and law enforcement, and file a complaint with the FBI Internet Crime Complaint Center. Speed matters.

Do not rely on email instructions alone. Always verify wire instructions by telephone using a known, independently confirmed number.

Wire-fraud warning

Always verify wire instructions by telephone using a known, independently confirmed number. Never rely on email instructions alone. If you suspect fraud, contact your bank, escrow, your agent and law enforcement immediately.

Read our wire-fraud protection guide

Put this guide to work

The next step is a conversation with a local agent.

JC Pacific Corp is an Irvine-based Southern California brokerage helping buyers navigate offers, escrow, and financing. Tell us what you are looking for and we will point you to current options across the region.

A note on legal advice: These guides provide general, educational information about California real estate practice. They are not legal advice and do not create an attorney-client relationship. Mortgage information is general education, not individualized lending, tax or legal guidance. For advice about your specific offer, contract, closing or financing, consult a qualified California real estate attorney and a qualified mortgage professional.