Deed of reconveyance 2025

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You must obtain the property deed through your county. If you need a copy of your property deed, we advise you to contact the county your mortgage is recorded in or check their website for instructions on how to request one.
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.
If youre selling your home and the settlement agent handles the title transfer, your settlement agent charges a reconveyance fee to your closing statement. The fee covers the cost to record the document, and the local recorders office dictates the amount.
Once you pay off your mortgage, the mortgage lender also referred to as the trustee creates the deed of reconveyance. The lender then signs this document and has it notarized. Typically, the document must be provided to you within 30 to 60 days of your final payment, says Hernandez.
30 to 60 days Lender creates the deed of reconveyance. Typically, the document must be provided to you within 30 to 60 days of your final payment, says Hernandez. Deed Of Reconveyance: What It Is And How It Works - Bankrate bankrate.com mortgages deed-of-reconv bankrate.com mortgages deed-of-reconv
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Warranty Deed: This is the document that proves you own the property. When you pay off your mortgage, the lender should release their lien on the property, and you should receive a deed without the lenders name on it.

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