Protect yourself from housing scams
Housing scams can happen to anyone. And after a disaster or hardship, scammers often take advantage of homeowners and renters going through tough times. Know what to watch for, how to protect yourself, and where to find trusted support.
Being informed will help you avoid scams and stay in control of your home and finances. Get the information you need about common housing scams or disaster scams and fraud.
What you should do:
- Ask questions. It’s OK to be curious about the person contacting you. Ask things like “How did you get my info?” or “Can I see your ID or license?”
- Know who you’re dealing with. Always confirm the name and organization of anyone offering help.
- Get it in writing. Make sure any promises match what’s written in contracts and written communications.
- Stay informed. Scams change often — check local news or trusted websites to stay up to date.
What you shouldn’t do:
- Don’t rush into decisions. Take time to read everything and ask questions before signing or paying.
- Don’t send mortgage payments to anyone other than your mortgage servicer.
- Don’t assume someone is trustworthy just because they say they’re from the government or your lender.
- Don’t pay for mortgage help. Real help from your lender or a HUD-approved counselor is always free.
Common housing scams
Be aware of these common scams that can happen at any time. Here’s what to watch out for.
Foreclosure rescue scam
Someone offers to “save your home” or “fix your loan” — but only if you pay them first.
- They may say they’re a counselor and tell you not to talk to your lender.
- The scammers will promise to handle everything but then take your money and disappear.
What to know:
Help from your lender or a HUD-approved housing counselor is always free. If someone asks for a fee, it’s a red flag.
Mortgage help scam
You get a call or message offering to pause or lower your mortgage payments — for a fee.
- They may say they can “negotiate on your behalf.”
- They’ll often ask for personal or financial information.
What to know:
Only your mortgage servicer can change your loan. Never pay someone to do this for you — it’s free through your lender or a HUD-approved counselor.
Home warranty scam
You get a letter or call saying that your home warranty is about to expire and you need to act fast.
- They may ask for payment or personal info to “renew” your coverage.
- Some even mention “Fannie Mae Mortgage” to sound more official.
What to know:
Fannie Mae is not affiliated with any home warranty company. If someone says otherwise, it’s likely a scam.
Disaster scams and fraud
When disaster strikes, scammers often show up pretending to help. It’s added stress in a time of uncertainty, but knowing what to look for can help you avoid additional financial trouble.
Government-related scams
FEMA and other government impersonation
Scammers may pose as FEMA, SBA, or other officials. They might show up in person wearing fake badges or uniforms and ask for money or personal information.
- Real FEMA workers will never ask for money and always carry a laminated photo ID.
- Not sure? Call FEMA at 1-800-621-3362 to confirm.
Identity theft
Scammers may use stolen personal info to apply for FEMA aid in your name.
- If you get a FEMA letter but didn’t apply, call 1-800-621-3362 right away.
- Visit IdentityTheft.gov for help.
Repair and service scams
Unlicensed or pushy contractors
They may go door-to-door offering repairs or debris removal, pressuring you to act fast or pay upfront.
- Ask for ID, a license, and local references.
- Get everything in writing before you agree to any work.
Price gouging
Some sellers may charge unfair prices for basic goods or services that are needed after a disaster strikes.
- Be alert to prices that seem much higher than necessary.
- You can report price gouging to your state attorney general.
Charity scams
Fake donation requests
After disasters, fake charities pop up claiming to be helping with recovery efforts and asking for donations.
- Research before you give. Look up the charity on trusted sites like CharityNavigator.org or Give.org.
Report anything that feels off
If you suspect a scam or fraud, stay calm and get help. Here’s where you can report what happened.
- Fannie Mae Mortgage Fraud Report
- FEMA Fraud Report
- National Center for Disaster Fraud Hotline (1-866-720-5721)
- Report fraud to credit bureaus (1-877-382-4357)
- Your State Attorney General or another local authority
Get help from a housing counselor
When you are experiencing any kind of housing trouble, a HUD-approved housing counselor can be your first call. They can help you avoid scams and stay on track to recovery.
Their advice is free, confidential, and tailored to your situation.
More helpful information
How a housing counselor can help you
If you’re experiencing financial hardship or the aftermath of a disaster, talk to a housing counselor. They can help you create a plan and learn about your options.
How to find disaster assistance
Review this article so you’ll be prepared if disaster strikes. Help may be available from FEMA, HUD, the Salvation Army, or Red Cross.
How to find the rental assistance you need
Learn what resources are available to you if you are having trouble paying your rent. A housing counselor can explain the programs and options available to you.
