September 25, 2014 1:31 am
Because they’re part of the financial industry, mortgage lending sites have the benefit of regulation that extends to online cyber security. Though mortgage websites are more secure than others, homeowners must still take steps to ensure their mortgage documents remain inaccessible to hackers. Research a lender thoroughly before handing over any personal information, and confirm that their website is secure by considering these qualifications.
1. Is the site securely connected? The best indicator of a secure connection is the ‘https’ URL and lock symbol beside it. If a pop-up warning arises, don’t ignore it.Once you’ve evaluated a website for security clearance, continue to view credit reports throughout the year to find evidence of identity theft, especially if you have a new mortgage. Be aware that while some information will be public record (address, purchase price, etc.), sensitive data such as a Social Security number and tax returns should always remain between you and the lender.
2. Does the site require a password? Make sure the password prompt requires a strong code with combinations of upper and lowercase letters, numbers and symbols.
3. Does the site offer an alternative message form? Seek out another form of communicating with your lender other than email.
4. Has the lender informed you of their security measures? If not, ask. You will be able to gauge whether or not security is a priority for them by their response.
Published with permission from RISMedia.