Stay alert and protect yourself from mortgage and home repair scams.

Spotting A Scam

Model house with red and white exterior and gray roof, with a set of keys and a keychain in front on a wooden surface.

Know the Signs. Protect Your Home and Finances.

At Trinity Habitat for Humanity, your safety and peace of mind matter to us. Unfortunately, there are individuals who take advantage of families by pretending to offer help with mortgages, home purchases, or repairs. We want to make sure you have the tools to recognize these scams and protect yourself from fraud.

Common Scam Tactics

  • Be cautious if someone asks you to send money in advance for a possible mortgage, home loan approval, or repairs. Legitimate lenders and contractors do not require upfront payments for approvals.

  • No one can promise guaranteed financing or housing opportunities. If someone claims they can, it’s a red flag.

  • Scammers often push you to act fast, saying the deal will disappear if you don’t send funds immediately. Take your time and verify before making decisions.

  • If they refuse to provide verifiable contact information or clear details, it’s likely a scam. Always confirm legitimacy before proceeding.

How to Protect Yourself

  • Do your homework—research the person or company through trusted sources like official websites, Better Business Bureau, or government agencies before agreeing to anything.

  • Avoid sending money to anyone you don’t know or haven’t met in person. Legitimate lenders and contractors will not require upfront payments for approvals.

  • Before making any payments, consult with a trusted friend, family member, or financial advisor. A second opinion can help you avoid costly mistakes.

  • If you’re ever unsure, slow down. Scammers rely on urgency to pressure you into quick decisions. Ask questions and verify details before acting.

If you’re ever unsure, take your time and don’t be afraid to ask questions. It’s always better to be safe than sorry.

Reporting a Scam

If you believe you’ve encountered a scam or fraudulent activity, here are trusted resources to help:

Need Help or Have Questions?
If you’re unsure about a situation or want guidance, we’re here for you. Give us a call at 817-926-9219 or email us.

  • Report scams and fraud directly to the FTC at reportfraud.ftc.gov.This helps protect you and others from future scams.

  • Get free, expert advice from HUD-approved housing counseling agencies. Find a counselor near you at hud.gov/housingcounseling.

  • For state-level assistance, file a complaint with the Texas Attorney General’s Consumer Protection Division at texasattorneygeneral.gov.

  • If you’ve lost money or feel threatened, contact your local police department immediately.