Mortgage And Assignment(s) Search
What Is a Mortgage Search?
A mortgage search focuses on identifying loans secured against a property through public land and county records.
These records confirm whether the property is encumbered by an active mortgage or deed of trust and provide insight into the loan’s legal standing.
Mortgage searches help answer critical questions:
Is the loan still open?
Has it been released?
Is the lender information accurate?
This step ensures the property is financially transparent before closing.
Understanding Assignment of Mortgage
An Assignment of Mortgage occurs when a lender transfers its rights in a mortgage to another entity.
This often happens when loans are sold, merged, refinanced, or securitized.
Instead of issuing a new mortgage, lenders legally assign their interest, and these assignments are recorded to maintain a clear chain of ownership.
If any assignment in this chain is missing or improperly recorded, it can lead to serious title defects and legal challenges.
Why Mortgage & Assignment(s) Search Is Critical
Many properties—especially those financed years ago—have multiple mortgage transfers.
Without verifying the full assignment history, it becomes difficult to confirm who has the legal authority over the loan.
This search helps prevent:
- Disputes over lender rights
- Delays during closing or refinancing
- Issues in foreclosure proceedings
- Hidden risks affecting title insurance
A complete assignment chain is just as important as identifying the mortgage itself.
What Our Mortgage & Assignment(s) Search Covers
Our report is structured to provide a clear and traceable mortgage history, including:
- Original mortgage or deed of trust
- Lender and borrower details
- Recording dates and loan references
- All recorded assignments and re-assignments
- Partial releases, if applicable
- Mortgage satisfaction or discharge (when recorded)
Each element is reviewed to ensure continuity and accuracy.
Mortgage Search vs Assignment(s) Search
| Aspect | Mortgage Search | Assignment(s) Search |
|---|---|---|
| Purpose | Identifies existing loans | Tracks transfer of loan ownership |
| Focus | Lien and loan details | Chain of mortgage assignments |
| Risk Covered | Undisclosed debt | Missing or defective transfers |
Together, these searches provide a complete view of mortgage-related risks.
Who Should Order This Search?
This service is highly recommended for:
- Title companies conducting due diligence
- Real estate attorneys handling closings or disputes
- Lenders and underwriters verifying lien authority
- Property investors assessing risk
- Buyers seeking a clear title
If a property has ever been financed, this search adds an essential layer of protection.
Why Choose Our Mortgage & Assignment(s) Search
We combine detailed public record research with experienced review to deliver:
- Nationwide coverage
- Clear, organized reporting
- Attention to missing or inconsistent records
- Reliable turnaround times
Our goal is simple: accuracy you can trust and clarity you can act on.
Request a Call Back!
- 30 N Gould St Ste R Sheridan, WY 82801
- +1 (806) 666-1092
- success@firstustitles.com
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