Imagine saving for years to buy a home. After a long search, you find the perfect property, make an offer and it’s accepted. As closing day draws near, you receive an urgent email from someone who purports to be your closing agent/attorney containing pre-closing instructions. You open an attachment to see the address of the home, the name of your title insurance company, the exact dollar amount due from you at closing and detailed wire instructions – all signed by the individual on company letterhead. Someone who claims to be their assistant even calls to make sure you received the message. So you have your bank wire the funds due to the account listed in the wire instructions. When you show up at closing, however, you find you were duped out of your five-figure down payment and your closing on that dream home is cancelled.