Real Estate Wire Checklist Before Sending Money
By JC Pacific Corp Published 2026-09-01 Last professionally reviewed: September 2026
Before sending any real estate wire, stop and complete a separate verification process. A deadline is never a reason to skip security.
Before the transaction
- Secure your email account
- Use a strong, unique password
- Enable multifactor authentication
- Identify the authorized settlement provider
- Save independently verified contact information
- Ask how instructions will be delivered
- Learn how changes are handled
- Inform household members about wire fraud
Before sending the wire
- Confirm the source of the instructions
- Call the verified number
- Speak with an authorized person
- Confirm recipient and bank details
- Confirm the exact amount
- Check the email address carefully
- Confirm whether instructions changed
- Review the account name
- Ask your bank about verification controls
- Document whom you spoke with
After sending
- Save the confirmation
- Notify the authorized settlement contact using a verified channel
- Confirm receipt through the established process
- Monitor your accounts
- Report anything unusual immediately
Frequently Asked Questions
Should I post about my closing online?
Avoid sharing dates, professionals, travel, or financial details that can help criminals target the transaction.
Can a family member verify for me?
Only through an authorized process accepted by the transaction professionals.
Is a cashier's check always an alternative?
Accepted payment methods depend on escrow, title, the lender, banking rules, and timing.
Educational information
Verify the transaction's authorized payment procedures directly.
Keep this checklist with your closing documents and complete it every time funds are transferred.
Wire-fraud warning
Always verify wire instructions by telephone using a known, independently confirmed number. Never rely on email instructions alone. If you suspect fraud, contact your bank, escrow, your agent and law enforcement immediately.
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JC Pacific Corp is an Irvine-based Southern California brokerage helping buyers navigate offers, escrow, and financing. Tell us what you are looking for and we will point you to current options across the region.
A note on legal advice: These guides provide general, educational information about California real estate practice. They are not legal advice and do not create an attorney-client relationship. Mortgage information is general education, not individualized lending, tax or legal guidance. For advice about your specific offer, contract, closing or financing, consult a qualified California real estate attorney and a qualified mortgage professional.