When there is no realtor involved, it could be fine, but it could be disguising the fact that there would be fraud going on or that the purchase price doesn't equal market value (i.e. two related people selling a property one to another at an inflated value, etc.)

I am filling out the landlord identity registration form required in NJ, and I am not living in the same county as the property.

I also don't want to unintentionally commit Mortgage fraud in my ignorance.

Being incompetent (not saying they are or are not just making the statement) is not considered fraud or a scam.

Here is a link that describes that issue in part. https://www.rocketmortgage.com/learn/fha-identity-of-interes...If this is meant to be your primary residence, why not deed the lot over to into your name and do everything in your own name?

What you're talking about is borderline fraud.

There are some extended form policies that might cover a future forged deed, but they cost extra and since title fraud (not theft since you can't lose title based on a forged deed) is uncommon, they're not issued frequently.

Fraud/Misrepresentation will be excluded under all insurance policies. 

Tom Wheelwright’s WealthAbility is a full-on SCAM with shoddy ‘business practices’ that needs to be investigated for consumer fraud!

Also, no offense Account Closed but nobody should be taking advice from someone who charges for services who doesn't disclose their full name/identity on these forums.