A message about a change to your closing payment details can look convincing. It may use a familiar name, copy a real email thread, or arrive right when you expect instructions. That is why every buyer should have a verification plan before moving funds.
Save a trusted phone number early
Before closing day, confirm the primary phone number for your settlement contact using a source you already trust, such as your initial paperwork or a conversation you started independently. Ask how payment instructions will be delivered. Save the number so you do not have to rely on contact details in a new email.
Verify before sending money
If you are instructed to wire funds, call the trusted number you saved and confirm the instructions directly with the settlement team. Check the recipient and account details using the process they provide. Do not rely on a reply to an email or on a phone number printed in a message telling you the instructions changed. Treat any last minute change to wiring information as a reason to stop and verify.
Protect your information
Avoid emailing sensitive financial details. Be wary of links and attachments that appear in unexpected closing messages, even if the sender looks familiar. If someone calls to request personal information or urgent payment, end the call and contact your trusted representative independently.
If you think a wire was misdirected
Contact your bank or wire transfer provider immediately and ask whether the transfer can be recalled. Alert your settlement contact using the saved number. Report the incident to the FBI Internet Crime Complaint Center at ic3.gov. Acting quickly can improve the chance of recovering funds, but recovery is not guaranteed.
A short verification call is worth the time. If you have any doubt about a closing payment request, pause and contact your trusted Stalwart representative before sending funds.