How do I get my original mortgage paperwork?

How can I get a copy of my original mortgage note?

If you lose your closing papers or they get destroyed, you can obtain a copy of your mortgage note by searching the county’s records or contacting the registry of deeds. It’s also possible to obtain a copy from the company who services your loan (that is, the company you get billing statements from).

Can I get a copy of my mortgage agreement?

If you need to obtain a copy of your mortgage agreement, you will need to do so at the office where the mortgage is filed.

How do I find my mortgage records online?

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.

Who holds the original mortgage note?

When a borrower pays off a mortgage, the note holder gives the note to the borrower. This means that the home is theirs, free and clear. If a borrower refinances a mortgage, the new mortgage pays off the original lender and a new note is created, to be held by that lender until the new mortgage is paid in full.

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Are mortgage notes recorded?

Note: This is the “IOU” between a lender and a borrower. So whoever is a borrower on the Note is personally liable for paying back the debt to the lender. The Note is not recorded in the Courthouse, so the original Note is returned to the lender upon closing.

How do you get mortgage notes?

4 Ways to Find Mortgage Notes on a Low Marketing Budget

  1. Check Real Estate Advertisements. Browsing through real estate advertisements in search of sale-by-owner properties is one way to generate leads. …
  2. Attend Real Estate Business Events. …
  3. Look Through Courthouse Records. …
  4. Contact Loan Servicing Companies.

How can I prove my mortgage is paid off?

You can find information on property records by contacting your local Secretary of State or county recorder of deeds. After you pay off your mortgage, your lender should also return the original note to you. You can also contact the company that paid off your loan to find out if the lien was released.

What is the difference between title and deed?

The biggest difference between a deed and a title is the physical component. A deed is an official written document declaring a person’s legal ownership of a property, while a title refers to the concept of ownership rights.

What is a mortgage deed?

A mortgage deed is a legally binding document outlining the terms of a mortgage that puts a lien on the house until the lender repays the loan in full.

Is my mortgage information public?

When it comes to mortgages, the borrower’s name, property address and amount owed are considered public record. That means anyone can conduct a search and obtain this information. This information gives potential buyers an idea of how much money is still owed on the home.

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How do I find outstanding mortgage on a property?

You can easily see if this exists by simply calling the county clerk’s office or by visiting their website. Those that have a page like this will list the property information, date of default and the balances owed on each of the mortgages on the property.

How do I find old mortgage records?

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. Check with the tax assessor or other municipal office where you live for more details.