An email says the wiring instructions for my home closing changed at the last minute — is it a scam?

Yes. This is business email compromise (BEC) targeting real-estate closings: a scammer who has been quietly reading the transaction's emails for weeks jumps in at the last hour with “revised” wire instructions to their own account, spoofed to look like it came from the title company or attorney. Wired funds are gone in minutes and almost never recoverable. Call the title company or lender using a number from a prior, verified document — never the email — before wiring a cent, and confirm any change by phone.

Educational verdict from documented scam patterns — not a live report. For a 0–100 risk score on the exact link in your hand, run the checker.

From the research desk — this pattern is one of those documented in This Week's Scam Wave, in Numbers — August 9, 2026 →