Helping Homeowners, Realtors, and Real Estate Attorneys
Solve Title Exam Issues.

Recent Developments / Life’s Challenges

My two sons, Nicholas and Javier, having a few giggles.

At some point in your life there is a chance you may have thought that you are just way to busy to keep up with everything that is going on in your life. Sorting priorities is not an easy task, especially with various important matters to handle.

There past few weeks I have been very busy, just like many of you have been.

These are my recent developments:

First of all I am a family man, who recently welcomed our second son to our lives. Along with the challenges and worries of our newborn, my other son is approaching three years old.

If you have raised children of your own, it is an amazing experience with its own personal challenges. But, it is great to see your own children grow before your eyes. Each day is an amazing experience, watching your own children show you the new things they have learned, show you things they can do, and hear the new words they can say.

Along with the needs to caring for a family, I work like everyone else. Work responsibilities are a challenge in themselves. But that is life, and that is what we all need to do.

If you have notices from my homepage, I’ve been I law school these past three years as well. Few people know the challenges and responsibilities of successfully making it through (probably only other attorneys). But, I consider myself lucky knowing that I have done well enough to keep going to the end.

I am excited knowing that my legal education will soon be over. I anticipate completing my studies within the end of the year. I really have enjoyed the opportunity of gaining a legal education, and the challenges that come with it in trying to comprehend the complex world that we live in. I have enjoyed my education, but for the time being, I am exited to know that it will soon be over, and that if I make it through the bar exam, it will lead to new opportunities.

Within a few months, I will have to start studying for the bar exam. I am trying to get a head start during the little time I have free now.

To all my current and future clients, be aware that I have dedicated a lot of time ensuring that all mortgage discharge requests get the immediate attention that is required. My experience ensures that your requests are quickly directed to the appropriate party. There are always new challenges ahead, and I welcome them.

Feel free to contact me with any question, or concerns. I enjoy hearing from the public and am always happy to answer your questions.

The Challenge of Getting a Mortgage Discharge

I make the best effort in getting your missing mortgage discharge as quickly as possible. The challenge is making sure the client provides me with all their available information and copies of documents. Once I have received everything, it becomes my responsibility to ensure the request gets to the right person. There lies the greatest challenge.

You and I certainly will understand and know that you need your discharge very quickly due to an upcoming property refinance or sale. But, unless the person getting my request on servicer end knows this, the request is likely to end up last on anyone’s list.

 

How to I Speed Up the Process?

We solve these issues, so you do not have to.

A request can take many directions, but only one correct one.We solve these issues, so you do not have to.

Having experience and a great understanding what a servicer requires before they issue and sign off on a discharge, I make sure to include all the essential information a contact person or servicer will require so they issue your discharge without delay.

 

Does This Require Extra Effort?

Although some servicers are known for consistent and reliable work (in producing the documents I have previously requested), it is not uncommon for others to let thing slide between the cracks.  I must admit some discharge requests have taken me 3 to 5 days, and then there have been others that take 2 to 3 months.

But I monitor each request, and make a good effort in tracking its progress. At times, it is best to restart the process. Other times, a really nice person will catch my “lost” request, and will work with me to resolve the pending issue.

With so many servicers, and so many lenders and mortgage companies going out of business, you will be glad to know Mortgage Discharge Procurement Services is here to assist you with all your mortgage discharge needs.

 

As always, help is only an email, fax, or phone call away.

What to do with an original mortgage discharge

Have you received an original mortgage discharge? Do you know what you should do with the original document?

You are likely to have received an original mortgage discharge after having paid a loan in full. This occurs when you refinance your property, where you get a new loan that pays off an older loan, or when you just finished paying your only mortgage. If that applies to you, Congratulations!! (It must be a great feeling knowing that you own your home free and clear!) For the rest of you, it is only a matter of years to reach the same results.

So, what should you do with the original mortgage discharge?

First, review any correspondence that you may have received from the lender. The letter is likely to provide you very important information. What you want to concentrate on is whether you are responsible for recording the original document with the Registry of Deeds, or City, or County records in your area.

Some banks will send you the original document, and inform you that you are responsible to have the document properly recorded. Others will indicate you are only receiving a copy, and that a duplicate original was sent to the recorder’s office.

If you are responsible for recording the original discharge or release:

  • Determine where you need to go to record the document
  • Verify the proper fee to record the document with the Registry. (The fee varies from place to place.)
  • You can either mail in the original discharge with the recording fee made payable to your specific recorder’s office, or you can just stop by the office if it is located close to where you live.

Some Registry offices will mail the original release after recording to the address listed on the document, whereas others will mail it to whom ever presented it for recording.

What you should do is contact the recorder’s office within a week or two and just verify the discharge was properly recorded. Remember, the recorded mortgage remains a lien on your property up until the moment the discharge is filed with the Registry records.