Financial documents include voluntary lien documents like mortgages and deeds of trust. Depending on whether you live in a lien theory or title theory state, the document will act as either a lien on the property or give the lender legal title rights to the property until the loan is paid in full. These documents remain valid in the public record until a corresponding release, satisfaction, or deed of reconveyance is recorded. This is done either after the sale of the home or after a borrower has requested an official payoff letter to send their final monthly payment and release the mortgage lien.
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