the county recorder’s office
Go to the county recorder’s office or local courthouse to find recorded mortgages. In states such as California, deeds, liens, mortgage documents and various types of land documents are available for review in the recorder’s office.
How can I find out the history of my mortgage?
The mortgage records you need to access will be filed with the county the property resides in. You can either visit that county’s public records or clerk’s office in person, or check their website to see if a search can be conducted online.
What documents are in a mortgage?
- Tax returns. Mortgage lenders want to get the full story of your financial situation.
- Pay stubs, W-2s or other proof of income. Lenders may ask to see your pay stubs from the past month or so.
- Bank statements and other assets.
- Credit history.
- Gift letters.
- Photo ID.
- Renting history.
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How can I get mortgage satisfaction?
How do you get a Satisfaction of Mortgage? A Satisfaction of Mortgage is issued by the lender after they have received the final mortgage payment from the borrower. It’s signed by the mortgagee (in the presence of a witness in some states and counties) and then notarized by a registered notary public.
Where does the satisfaction of mortgage document go?
In order to clear the title to the real property owned by the mortgagor, the Satisfaction of Mortgage document must be recorded with the County Recorder or Recorder of Deeds. If the mortgagee fails to record a satisfaction within the set time limits, the mortgagee may be responsible for damages set out by statute. Who is the Mortgagor?
When does a satisfaction of mortgage lien occur?
Mortgage satisfaction and release of the property lien occur when the terms of the loan are satisfied. If the mortgage is through a bank or other large financial institution, a Satisfaction of Mortgage document is usually sent automatically. The lender may also file or record the document with the county where the property is located.
Do you need deed of reconveyance for satisfaction of mortgage?
Required documentation is dependent on state, some states may call for a Deed of Reconveyance as opposed to the Satisfaction of Mortgage. If the Satisfaction of Mortgage is not recorded the lien will remain on the Title of the property.
What happens if lender fails to record Satisfaction?
If the lender fails to record a satisfaction within set time limits, the lender may be responsible for damages set by statute for failure to timely cancel the lien. The following is are SC statutes:
