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Here are the steps to completing a deed transfer in Georgia: Names the Current Owner and New Owner. Contains a Description of the Property. Signed by Current Owner. Two Witnesses: Unofficial Witness Notary Public. Complete a PT-61, Transfer Tax Form. Record Deed in County Real Estate Records.
The grantor must sign the deed (O.C.G.A. 44-5-30). Except for documents electronically filed, only an original document (original signature) that has been properly attested can be accepted for recording (O.C.G.A.
If real property is utilized to secure a loan, it is usually achieved by executing a mortgage or, in California, a Deed of Trust. A mortgage is a document that allows the creditor, who is unpaid, to proceed to court to force the sale of the property to pay off the debt.
Borrowers Signature and Attestation In Georgia, a security deed cannot be recorded unless it is: Signed by the maker (borrower). Attested by a notary public or other officer. Attested by one other witness.
From a lenders perspective, a deed of trust is usually better because it can foreclose more quickly using a nonjudicial process if the borrower stops making payments.
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A warranty deed is the most common type of deed used in most purchase and sale transactions. It offers the best protection for the grantee because it guarantees that the title is good and marketable. Requirements to be filed. The deed must describe the real property, full legal description.
In Alabama, Arizona, Arkansas, Illinois, Kentucky, Maryland, Michigan, Montana and South Dakota, the lender has the choice of either a mortgage or deed of trust. In any other state, you must have a mortgage.
In essence, it simply means that your lender has sold your mortgage note to a government-sponsored enterprise (GSE) or a private investor. Having effectively transferred your debt to another servicer, it likewise means that going forward from a set date, youll be making payments to the new loan holder.
A security deed (also known as a deed to secure debt, loan deed, or warranty deed to secure debt) is the most common form of securing a financing instrument for real estate loans in Georgia.
Borrowers Signature and Attestation In Georgia, a security deed cannot be recorded unless it is: Signed by the maker (borrower). Attested by a notary public or other officer. Attested by one other witness.

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