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View Diary: Updated: Wells Fargo PWNED! My Pop Helps Homeless Family Find a Home (214 comments)

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  •  you get the deed (5+ / 0-)

    when you buy the house.  It is signed by the seller at closing when you purchase the house, and it gets recorded in the public records BEFORE the mortgage or any other liens.  Once it is recorded it is sent to you by either the settlement company or the county clerk.  It is never in the possession of the mortgage company.  If you still have the documents you got when you purchased the house, you should have a copy of the deed in that package.  

    The Republican Extremist Agenda favors tax cuts for millionaires and benefit cuts for Social Security and Medicare.

    by lcork on Thu Oct 14, 2010 at 06:53:05 PM PDT

    [ Parent ]

    •  This is partly state-dependent (3+ / 0-)
      Recommended by:
      lcork, AnnCetera, BYw

      Possession of the title papers may be in the hands of the lender in the case of some "nonjudicial" states (never in judicial states, also not in deed-of-trust states).

      -5.63, -8.10. Learn about Duverger's Law.

      by neroden on Thu Oct 14, 2010 at 07:27:07 PM PDT

      [ Parent ]

      •  ah (0+ / 0-)

        I live in Virginia, a Deed of Trust state.  My mistake.

        The Republican Extremist Agenda favors tax cuts for millionaires and benefit cuts for Social Security and Medicare.

        by lcork on Fri Oct 15, 2010 at 08:33:36 AM PDT

        [ Parent ]

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