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Satisfaction of Mortgage basics

When a mortgage is paid in full, a Satisfaction of Mortgage document needs to be completed and submitted to clear the title to the property. This releases the lien on the collateral, often the property, used to secure the loan.


Use the Satisfaction of Mortgage document if:

  • You just paid off your mortgage to a private lender.
  • You sold a property through a private loan agreement that is now paid in full.

In most cases, if your home loan was through a bank or large financial institution, they will handle this paperwork for you. If the mortgage or loan was handled through a private arrangement, you can make the Satisfaction of Mortgage document easily yourself.


Other names for this document:


Satisfaction of Mortgage Form, Release of Mortgage Form, Lien Release


What information do I need to complete this form?


These forms are rather simple, but you will need to gather some information to make a Satisfaction of Mortgage document. Most states require that you include:

  • Names and addresses of both parties involved
  • The amount paid
  • Legal description of the property and tax parcel number

Do I need witness signatures or a notary?


Depends on your local requirements, but it wouldn't hurt to go ahead and gather two witness signatures and a notarization. Often you can obtain notary services through your bank or credit union. You'll need to bring a valid ID to the notary office, so they can verify your identification. If the property you need to sign for is in another state, check to see if that state will accept notarization from another state or use a service that can provide notarization for any state.


Where does the paperwork go?


In most areas the Release of Mortgage Form goes to the County Recorder, Land Registry Office, City Registrar or Recorder of Deeds. You should be able to find the appropriate office location online. If this document is not filed, the lien will remain in place. Most areas limit what is considered a reasonable amount of time between when the mortgage is paid and when the Satisfaction of Mortgage is filed. So, even if you are working with a traditional lender, you may benefit from making sure the lender fulfills this obligation in a timely manner.

Paying off property or receiving payment in full is satisfying for the buyer and the seller. However, a completed Satisfaction of Mortgage is required to release the lien and obtain the title.


Sample Satisfaction of Mortgage

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Satisfaction of Mortgage basics

In most cases, if your home loan was through a bank or large financial institution, they will handle this paperwork for you. If the mortgage or loan was handled through a private arrangement, you can make the Satisfaction of Mortgage document easily yourself.


Other names for this document:


Satisfaction of Mortgage Form, Release of Mortgage Form, Lien Release


What information do I need to complete this form?


These forms are rather simple, but you will need to gather some information to make a Satisfaction of Mortgage document. Most states require that you include:

  • Names and addresses of both parties involved
  • The amount paid
  • Legal description of the property and tax parcel number

Do I need witness signatures or a notary?


Depends on your local requirements, but it wouldn't hurt to go ahead and gather two witness signatures and a notarization. Often you can obtain notary services through your bank or credit union. You'll need to bring a valid ID to the notary office, so they can verify your identification. If the property you need to sign for is in another state, check to see if that state will accept notarization from another state or use a service that can provide notarization for any state.


Where does the paperwork go?


In most areas the Release of Mortgage Form goes to the County Recorder, Land Registry Office, City Registrar or Recorder of Deeds. You should be able to find the appropriate office location online. If this document is not filed, the lien will remain in place. Most areas limit what is considered a reasonable amount of time between when the mortgage is paid and when the Satisfaction of Mortgage is filed. So, even if you are working with a traditional lender, you may benefit from making sure the lender fulfills this obligation in a timely manner.

Paying off property or receiving payment in full is satisfying for the buyer and the seller. However, a completed Satisfaction of Mortgage is required to release the lien and obtain the title.

Use the Satisfaction of Mortgage document if:
  • You just paid off your mortgage to a private lender.
  • You sold a property through a private loan agreement that is now paid in full.
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