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How To Refinance: Protecting Your Personal Information

by Gabriel  Traverso
Mortgage Directory Columnist

In today's Internet-reliant age, identity theft is a growing concern. Find out what you can do to safeguard yourself when refinancing your mortgage.

The Problem with Personal Info

Without a doubt the Internet has had a huge impact on how we conduct our personal business. It is now the norm to maintain online banking accounts, check credit card information online, and online shopping has become the latest retail craze. Many homeowners are becoming increasingly concerned about protecting their valuable personal data when surfing the Net to refinance their home mortgage--and rightly so. Once your personal details have been stolen, your credit, and much worse, can suffer.

Refinancing Your Mortgage: Keep Your Data Safe

When you apply for a home loan refinance you will be asked for very personal information. Generally you will have to provide the following:
  • Assets
  • Income
  • Credit references
  • Property information
  • Debts and other obligations
  • Personal data: Social Security Number, addresses, etc.
The danger you face is that an online loan application can seem quite legitimate and could even have the appearance of being on a bank's website, but could really be a trap for identity theft.

Home Loan Safety

The best way to use the Internet is to find potential lenders. When you submit an inquiry form to have lenders contact you you're only providing the most basic of information. If you're asked to provide anything further--don't. Generally you will be matched up with a few lenders who can service a home loan meeting your criteria. You will usually be provided with lender contact information and you can expect them to get in touch with you quickly. Once you've had a chance to talk with a few lenders you should feel safer providing your personal information. With so many homeowners eager to refinance their mortgages, those who traffic in identity theft have their pick of victims. When refinancing your mortgage keep your personal data safe until you feel confident that you are working with a trustworthy lender.

About the Author
Gabriel Traverso is a freelance writer, independent musician, and artist. He resides in Reno, NV.

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