Ask Bill your personal finance question

Deed for your Free and Clear Home

I paid-off my house two months ago. When should I expect to receive my deed? Or, how do I get it?

I paid off my house two months ago and have yet to receive the deed. Is this normal? When should I expect to receive it, or how should I get it?

Read full question
Bill's Answer
(5 Votes) | Find Learn Save

If you have paid off your mortgage loan recently and are waiting on your deed, the best course of action is to call your lender directly. Once your final mortgage payment has been received and your mortgage balance is zero, it is their responsibility to issue a satisfaction of lien and send that document to the county courthouse where it can be filed with your mortgage/ deed of trust.

Once the courthouse has received and processed the satisfaction of lien, this will serve as final proof that you now owe the house free and clear of any liens (assuming there are no other liens on the home).

You can get a copy of your deed from the courthouse, but you will want to make sure that you also have a copy of the satisfaction of lien document as well, for your own records. So call your lender (if you don't know it's the lender or servicer whose name was on your mortgage payment coupons) first and ask them for a status; then visit or call the local county courthouse and request this documentation.

I hope this information helps you Find. Learn & Save.



Get Mortgage Rates!
(5 Votes)

People also like to Read

Betsalel Cohen

Mortgage programs have different minimum credit score requirements. However, lenders often have stricter rules. It is importa... Read more >>

Betsalel Cohen

FHA Loans | FHA Loans are extremely popular for first-time homebuyers. Some of the huge benefits, including low down payments... Read more >>

Betsalel Cohen

Mortgage Basics - Down-payment, Equity, and LTV | Learn about mortgage terms relating to your property's value and how it aff... Read more >>

Betsalel Cohen

Whether you are refinancing or buying a home you will ask yourself if you can afford the mortgage. Learn to prepare and evalu... Read more >>

Betsalel Cohen

Qualify for a Mortgage | You can get qualified for a mortgage and the best rates by preparing yourself. Make sure that your c... Read more >>

Mark Cappel

Applying for a mortgage with bad credit and a spouse isn't as difficult as you may think. Learn the what lenders look for whe... Read more >>

Betsalel Cohen

PMI | If you are looking to buy a house and take a mortgage loan with a low down payment then PMI can...... Read more >>

Brad Stroh

Refinance My Home? If you are asking 'Should I refinance my mortgage?' or 'Is refinancing my home a good?', then check out ... Read more >>


1500 characters remaining