Lost Home Title

[Luigibasco]

What is the name of your state? Mississippi

I lost all my paper work during hurricane Katrina.

All I can find is a letter from the bank saying that the mortgage was paid off back in 1999.
How do I get confirmation on our home. Is it filed localy in the court house or else where in the city?

Thanks for you input.

Luigi

[FlyingRon]

Originally Posted by Luigibasco

How do I get confirmation on our home. Is it filed localy in the court house or else where in the city?

In most cases deeds are recorded with the county (parish) courts. In most places you can go down to the office and they will make copies of the recorded documents (for a fee they'll certify them as official). It helps if you can find the exact property specification (usually some sort of tax map number) but most places are computerized well enough that they can look it up by your name or address. Bring that Loan Satisfaction letter with you, it probably has the useful information on it.

Frankly, having a copy of the deed yourself isn't tremendously useful as long as it has been property recorded. Make sure that that mortgage satisfaction is recorded too.

[Luigibasco]

Originally Posted by FlyingRon

In most cases deeds are recorded with the county (parish) courts. In most places you can go down to the office and they will make copies of the recorded documents (for a fee they'll certify them as official). It helps if you can find the exact property specification (usually some sort of tax map number) but most places are computerized well enough that they can look it up by your name or address. Bring that Loan Satisfaction letter with you, it probably has the useful information on it.

Frankly, having a copy of the deed yourself isn't tremendously useful as long as it has been property recorded. Make sure that that mortgage satisfaction is recorded too.

Thank you Ron,

That makes thing a lot easier than I had thought.
I will get it done tomorrow.

I can bring my tax receipt from last year which has the lot # and other information on it.

Have a great day
Luigi

[seniorjudge]

Originally Posted by Luigibasco

...

I can bring my tax receipt from last year which has the lot # and other information on it.

....

Be sure to also bring the letter from your lender (to help the recorder of deeds find the right deed).

You need to come back with two things: a certified copy of the deed where you got the property AND a release/satisfaction of mortgage/deed of trust.

Oftentimes, the lender will send the satisfaction directly to the borrower. In that case, the borrower will have to record it at the courthouse. So if there is no satisfaction recorded, you need to get on the telephone and call the lender and find out where it is.

[nextwife]

Actually, poster, what you lost was a copy of your deed. For real property, Title" is not a single document.

Seniorjudge, a question. If he gets a copy of the vesting deed, with recording info from the RODs office, WHY does he need to pay more to get it certified? I honestly don't see any benefit, for recordkeeping purposes, of a certified vs non-certified copy of a RECORDED mortgage. t's not like a birth certificate. When he sells, the title company won't care about his certified copy, they'll simply search the record.

[Luigibasco]

Thanks ALL for so much useful info.
I can't thank you all enough.
Like I said I will go get this done in the morning.

Best regards
Luigi