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Got questions?

Below are some common questions from our customers that may provide you with the answer you're looking for. If you can't find an answer to your question, please don't hesitate to reach out to us.

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What is a free and clear letter?

The phrase means there are no encumbrances secured to the property, such as a lien or mortgage.

What type of deed is best for the seller?

When committing to a general warranty deed, the seller is promising there are no liens against the property, and if there were, the seller would compensate the buyer for those claims. Mainly for this reason, general warranty deeds are the most commonly used type of deed in real estate sales.

Are mortgages public record in PA?

All papers recorded in the office are public information, with the exception of military discharge papers. This means anyone can come in and look at any deeds or mortgages.

Which deed has the most protection?

A general warranty deed guarantees the property is free and clear of any liens and that the seller has the authority to sell the property. A warranty deed provides a buyer with the most protection.

What is the strongest deed?

A Warranty Deed is the strongest deed and warrants to the Grantee: That the Grantor has not previously conveyed the estate or any interest therein to anyone except the Grantee; and. The estate is free from encumbrances.

Are deeds public record in PA?

DEEDS AND MORTGAGES INDEXED AS OF 11/29/2022 Certified copies of recorded documents are available from our Public Access System. Our records date back to 1784, and you are welcome to search our Public Access System for current and historical documents, including: deeds, mortgages, and satisfactions.

How do you prove that you are the owner of the land?

When you get ownership interest in land, you should record the documents and deed at the local recorders office so that the information is available to the public. Because it is a public record, you can purchase copies of the record at any time. The record can serve as proof of ownership.

How long does it take to record a deed in Philadelphia?

Philadelphia and Montgomery County, PA accept electronic recording. Documents submitted for electronic recording are typically received back recorded within 1-2 days after submission. Counties that do not record electronically, such as Delaware and Chester County, PA, take 3-4 weeks to return recorded documents.

How do I prove that property of free and clear?

ASK YOUR TITLE COMPANY FOR A PRELIMINARY TITLE ON THE PROPERTY YOU NEED PROOF THAT ITS FREE AND CLEAR. This, coupled with the HUD1 from the purchase, shows that you didnt use a loan to purchase it, and there is no existing lien from a mortgage on the property.

How long does it take to record a deed in Pennsylvania?

All deeds made in the state to be acknowledged and recorded within ninety days.

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