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Additional Details
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txhandyman2 | After a person pays off a mortgage, do they get a title to their home? |
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Mee-Maw
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You will get the deed to the property showing it has been paid in full. You will also receive a copy of all the contracts that you signed when you financed the house. |
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newmexicorealestateforms
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You need to understand how it works.
When you buy a property and you get a loan to pay for the purchase (paying the seller) you create two basic instruments. These instruments are:
1.) The promissory note which creates the debt and the terms by which you will pay back the debt to the lender.
2.) The mortgage which you give to the lender allowing them to take your property from you to satisfy the debt on the promissory note if you do not pay for the debt according to the note.
You can create any promissory note you want when borrowing money and they can be secured or not secured in the case of real estate they have to be secured and this is done with the mortgage.
For you to be able to give the right to proceed against the property in a court of law you must have the title to the property therefore when you pay the seller with the proceeds from the loan at closing the seller is required to provide you with the title other wise you would not be able to give the mortgage to the lender securing the promissory note.
So in answer to your question you already have the title when you created the mortgage, all you need to get from the lender when you pay off the note is a release of the lien ie: a release of the mortgage encumbering your property.
Buena Suerte |
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Rico
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Depends on what State you live in and whether you have a true mortgage or a loan secured by a deed of trust. If it's the latter you always have title to your home, you just make the home security for the loan. |
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ne11
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You get the deed that says the house is free and clear, meaning the mortgage is paid off.
It takes a little while to receive it. After a few months go to city hall and make sure the mortgage pay off was recorded in the clerk's office. |
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rustybones
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You don't get a physical title. The mortgage shows that it's been paid and the information is then submitted to the records dept of the courthouse, for tax purposes. |
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ogrendle
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You already had the "title" to the house. It is the deed. When the loan is paid off you must register the release with the county recorder. |
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bill a
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No. But they will get the deed. Unless your home is a trailer or a automobile. |
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zocko
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they send you a letter of release. When you get it you have to file it with your recorder. That could be the county office or parrish or what ever. Keep the paperwork and get it recorded. |
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Christine
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You already have title to your home. The lender needs to record a Deed of Reconveyance which clears the Deed of Trust (loan) from the property.
You can contact the County Recorder to check if anything has been recorded. If not, I would contact the lender snd ask to speak to their Reconveyance dept. There are some lenders that send the document to the borrowers and most don't know it needs to be recorded. Look through the papers you've received from them and see if they have sent it to you instead of the recorder. If they have, get it to the county who will record it, for a fee.
Good luck :) |
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