{"id":5827,"date":"2026-01-15T03:19:49","date_gmt":"2026-01-15T11:19:49","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/?p=5827"},"modified":"2026-01-15T23:04:34","modified_gmt":"2026-01-16T07:04:34","slug":"closing-day","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/5827\/","title":{"rendered":"Closing Day Wire Fraud: Don\u2019t Fall for \u201cOur Bank Account Has Changed\u201d Emails! (Mortgage Guide Ep. 7)"},"content":{"rendered":"\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\n<style>\n    body {\n        font-family: 'Pretendard', sans-serif;\n        margin: 0;\n        padding: 0;\n    }\n<\/style>\n\n\n\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\n<style>\n    body {\n        font-family: 'Pretendard', sans-serif;\n        margin: 0;\n        padding: 0;\n    }\n<\/style>\n\n<div style=\"\n    background-color:#F5FBF7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <h3 style=\"margin-top:0; margin-bottom:12px; font-size:18px;\">\n        \ud83d\udcdd <strong> Closing Disclosure (CD): 3-Line Summary <\/strong>\n    <\/h3>\n    <ul style=\"padding-left:20px; margin:0;\">\n        <li><strong>Watch out for scams<\/strong>: Wire fraud is extremely common during Closing Day. Always verify any account information directly by phone before sending your funds.<br>\n        <li><strong>Closing steps<\/strong>: Once you have completed your wire transfer and signed the final loan documents with a notary, your lender will send the loan amount to escrow.<br>\n        <li><strong>Receiving the keys<\/strong>: You do not get the keys right after signing. You become the legal owner only after the county confirms the recording, which officially transfers the title.<br>\n   \n        \n    <\/ul>\n<\/div>\n\n\n\n<p>The long-awaited <strong>Closing Day<\/strong> has finally arrived. Now, only two major steps remain: your <strong>wire transfer<\/strong> and your <strong>final signing<\/strong>. While it\u2019s an exciting milestone, it\u2019s also the stage that requires the most caution since it\u2019s the day your down payment is transferred. In fact, more than 80% of real estate transaction issues, including wire fraud and funding delays, occur on Closing Day.<\/p>\n\n\n\n<p>In this guide, we\u2019ll walk you through the essential safety rules to protect yourself on this critical D-Day.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-5-2.png\" alt=\"Closing Day\" class=\"wp-image-12916\" style=\"width:845px\"\/><\/figure>\n<\/div>\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-closing-day-timeline\" style=\"font-size:24px\"><strong>1. Closing Day Timeline<\/strong><\/h2>\n\n\n\n<p>The final stage consists of two major actions: sending the remaining balance via wire transfer, and signing the final loan documents. Once your wire transfer is confirmed, <strong><a href=\"https:\/\/loaning.ai?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=mortgage_information&amp;utm_content=loan_process_ep.7\" target=\"_blank\" rel=\"noreferrer noopener\">Loaning.ai<\/a><\/strong> sends the loan funds to escrow. After that, the county completes the recording, and the property is officially registered under your name.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Step<\/th><th>Responsible Party<\/th><th>Required Document\/Action<\/th><th>Description<\/th><\/tr><\/thead><tbody><tr><td>Final Balancing <br><\/td><td><a href=\"https:\/\/loaning.ai?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=mortgage_information&amp;utm_content=loan_process_ep.7\" target=\"_blank\" rel=\"noreferrer noopener\">Loaning.ai<\/a> \u2192Escrow<\/td><td>Balancing<\/td><td>The lender and escrow reconcile all line items<br>\u2014fees, taxes, and charges\u2014to finalize the exact amounts.<\/td><\/tr><tr><td>Wire Instructions<br><\/td><td>Escrow \u2192 Borrower<\/td><td>Wire Instructions<\/td><td>Escrow provides the account details and <br>the exact <strong>Cash to Close<\/strong> amount. (Watch for security risks.)<\/td><\/tr><tr><td>Wire Transfer<br><\/td><td>Borrower<br><\/td><td>Wire Transfer <\/td><td>The borrower sends the funds to the escrow <br>account and keep\/share the wire receipt.<\/td><\/tr><tr><td>Loan Funds Transfer<br><\/td><td><a href=\"https:\/\/loaning.ai?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=mortgage_information&amp;utm_content=loan_process_ep.7\" target=\"_blank\" rel=\"noreferrer noopener\">Loaning.ai<\/a> \u2192 Escrow<\/td><td>Loan Funds Transfer<\/td><td><a href=\"http:\/\/Loaning.ai\">Loaning<\/a><a href=\"https:\/\/loaning.ai?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=mortgage_information&amp;utm_content=loan_process_ep.7\" target=\"_blank\" rel=\"noreferrer noopener\">.<\/a><a href=\"http:\/\/Loaning.ai\">ai<\/a> sends the loan funds to escrow.<\/td><\/tr><tr><td>Document Signing<br><\/td><td>Notary \u2192 Borrower<\/td><td>Loan Docs Signing<\/td><td>The borrower signs the final loan documents <br>in front of a notary public.<\/td><\/tr><tr><td>Funding &amp; Recording<\/td><td>Loaning.ai \u2192 County<\/td><td>Funding<\/td><td>The lender wires loan funds to escrow; the county records <br>the deed, completing the ownership transfer.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-wire-fraud-the-1-threat-targeting-homebuyers\" style=\"font-size:24px\"><strong>2. Wire Fraud: The #1 Threat Targeting Homebuyers<\/strong><\/h2>\n\n\n\n<p>According to the FBI, real estate wire fraud causes billions in losses every year in the United States. Criminals target homebuyers specifically because large transfers occur on Closing Day.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-real-estate-wire-fraud-works-and-how-to-protect-yourself-from-it\"><strong>How Real Estate Wire Fraud Works, and How to Protect Yourself From It<\/strong><\/h3>\n\n\n\n<p>Hackers infiltrate the email accounts of buyers, agents, or escrow officers, and quietly monitor conversations for weeks or months. Then, right before Closing Day, they send a <strong>fake email<\/strong> pretending to be your escrow officer, complete with a real logo and signature.<\/p>\n\n\n\n<p><strong>Important:<\/strong> <em>Escrow companies will NEVER notify you of account changes by email alone.<\/em><\/p>\n\n\n\n<p>Example of a fraudulent email:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p style=\"font-size:15px\"><em>\u201cHello, this is your escrow officer. Due to an issue with our previous account, please send your wire to the updated account below. Closing is urgent, so please send the funds as soon as possible.\u201d<\/em><\/p>\n<\/blockquote>\n\n\n\n<div style=\"\n    background-color:#F1F7FF;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    \u2713 Stop: Do not send the wire.\n    <br>\n    \u2713 Verify: Call your escrow officer using the official phone number from their website or business card (never the one in the suspicious email).\n      <br>\n    \u2713 Confirm: Ask verbally, \u201cDid you send this email? Can you confirm the account number?\u201d\n      <br>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-when-do-you-get-the-keys\" style=\"font-size:24px\"><strong>3. When Do You Get the Keys?<\/strong><\/h2>\n\n\n\n<p>You <em>cannot<\/em> receive the keys immediately after signing. In U.S. real estate law, signing and closing are two separate stages.<\/p>\n\n\n\n<div style=\"\n    background-color:#F1F7FF;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    \u2713 <strong>When do you become a homeowner?<\/strong>  <br> You officially become the homeowner only when recording is complete. The county must register the new title under your name.\n      <br>\n    \u2713 <strong>When do you get the keys?<\/strong>  <br> Once escrow notifies your agent that the property has been officially recorded, your agent can hand over the keys. This usually happens a few hours after signing, but depending on transfer timing and document review, recording may occur the next day.\n      <br>\n    \u2713 <strong>Moving schedule<\/strong>   <br> If you send the wire late in the afternoon on signing day or if any issues are found in your documents, recording may be pushed to the following day.\n<\/div>\n\n\n\n<div style=\"text-align:center; margin:24px 0;\">\n  <a href=\"https:\/\/loaning.ai?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=mortgage_information&#038;utm_content=loan_process_ep.7\"\n     style=\"\n        display:inline-block;\n        padding:22px 48px;\n        background-color:#2ECC71;\n        color:#FFFFFF;\n        font-size:18px;\n        font-weight:700;\n        border-radius:8px;\n        text-decoration:none;\n     \">\n   \ud83d\udc49 Loan Process from A to Z\n  <\/a>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-special-situations-overseas-travel-amp-remote-notarization\" style=\"font-size:24px\"><strong>4. Special Situations: Overseas Travel &amp; Remote Notarization<\/strong><\/h2>\n\n\n\n<p>If you are abroad or in another state during closing, don\u2019t worry \u2014 there are approved solutions.<\/p>\n\n\n\n<div style=\"\n    background-color:#F1F7FF;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    \u2713 <strong>Embassy Notarization<\/strong>  <br> If you\u2019re in Korea, you can get documents notarized at the U.S. Embassy. (Appointments may be limited, so plan ahead.)\n      <br>\n    \u2713 <strong>Remote Online Notary (RON)<\/strong>  <br> Many lenders and states now accept online notarization over video call.\n      <br>\n    \u2713 <strong>Power of Attorney (POA)<\/strong>   <br> You may assign signing authority to a spouse or trusted representative.\n<\/div>\n\n\n\n<div style=\"\n    background-color:#FFFBEA;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    \ud83d\udca1 All of these options require lender and title company approval. So if you plan to travel, notify your Loaning.ai representative as early as possible.\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-a-smooth-safe-closing-for-your-new-home\"><strong>A Smooth, Safe Closing for Your New Home<\/strong><\/h2>\n\n\n\n<p>A home is more than a real estate asset; it is the foundation of your family\u2019s future. That\u2019s why the final steps of your mortgage closing must be handled with absolute safety, clarity, and transparency.<\/p>\n\n\n\n<p>Until the moment you receive your keys and step into your new home, <a href=\"https:\/\/loaning.ai?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=mortgage_information&amp;utm_content=loan_process_ep.7\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Loaning.ai<\/strong><\/a>\u2019s transparent closing solution is here to guide and protect you every step of the way. Wishing you a safe closing and a happy beginning in your new home. \ud83d\ude42<\/p>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quick-checklist\" style=\"font-size:20px\"><strong><strong><strong>\ud83d\udcdd Quick Checklist<\/strong><\/strong><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1394\" height=\"902\" src=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Closing.png\" alt=\"\" class=\"wp-image-5831\" style=\"width:8445px\" srcset=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Closing.png 1394w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Closing-300x194.png 300w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Closing-1024x663.png 1024w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Closing-768x497.png 768w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Closing-750x485.png 750w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Closing-1140x738.png 1140w\" sizes=\"auto, (max-width: 1394px) 100vw, 1394px\" \/><figcaption class=\"wp-element-caption\">Closing Day<\/figcaption><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-table loaningen-table is-wide-right\"><table class=\"has-fixed-layout\"><thead><tr><th>Checklist<\/th><th>Details<\/th><\/tr><\/thead><tbody><tr><td><strong><strong>Contract Signing &amp; Review<\/strong><\/strong><\/td><td>\u2022 Before and after the offer was accepted, did you fully understand and sign the key terms of the contract (price, contingencies, cost allocation)?<br>\u2022 If needed, did you use Loaning.ai\u2019s contract review service to ensure there were no unfavorable clauses?<\/td><\/tr><tr><td><strong><strong>EMD Transfer<\/strong><\/strong><\/td><td>\u2022 Have you prepared to send the EMD to escrow within <strong>3 business days<\/strong> after the contract is executed?<br>\u2022 Before sending the funds, did you call the escrow officer <strong>directly<\/strong> to verify the account information?<\/td><\/tr><tr><td><strong><strong>Source of Funds Management<\/strong><\/strong><\/td><td>\u2022 Have you prepared the last <strong>two months of bank statements<\/strong>?<br>\u2022 If there are any <strong>large deposits<\/strong>, have you prepared documents or a letter of explanation (LOE) to clarify their source?<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-buttons loaning_cta_bottom is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/loaning.ai?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=mortgage_information&amp;utm_content=loan_process_ep.7\" style=\"background-color:#49cf7e\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Review your Mortgage with Loaning.ai<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Closing Disclosure (CD): 3-Line Summary Watch out for scams: Wire fraud is extremely common during Closing Day. Always verify any account information directly by phone before sending your funds. Closing steps: Once you have completed your wire transfer and signed the final loan documents with a notary, your lender will send the loan amount [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":5839,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[438],"tags":[],"class_list":["post-5827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-guide"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.6 (Yoast SEO v24.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Closing Day Wire Fraud: Don\u2019t Fall for \u201cOur Bank Account Has Changed\u201d Emails! (Mortgage Guide Ep. 7) - Loaning.AI Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.loaning.ai\/en\/5827\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Closing Day Wire Fraud: Don\u2019t Fall for \u201cOur Bank Account Has Changed\u201d Emails! (Mortgage Guide Ep. 7)\" \/>\n<meta property=\"og:description\" content=\"\ud83d\udcdd Closing Disclosure (CD): 3-Line Summary Watch out for scams: Wire fraud is extremely common during Closing Day. Always verify any account information directly by phone before sending your funds. Closing steps: Once you have completed your wire transfer and signed the final loan documents with a notary, your lender will send the loan amount [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.loaning.ai\/en\/5827\/\" \/>\n<meta property=\"og:site_name\" content=\"Loaning.AI Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-15T11:19:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-16T07:04:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/7.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"914\" \/>\n\t<meta property=\"og:image:height\" content=\"601\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Youngseo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"Youngseo\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"6\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/5827\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/5827\/\"},\"author\":{\"name\":\"Youngseo\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/#\/schema\/person\/f12a0a52ed9d610f8b9f6960024fb160\"},\"headline\":\"Closing Day Wire Fraud: Don\u2019t Fall for \u201cOur Bank Account Has Changed\u201d Emails! 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