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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.

What is a Satisfaction of Mortgage?

A Satisfaction of Mortgage is a document that is used to confirm that a mortgage has been successfully repaid.

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 easily make the Satisfaction of Mortgage document yourself.

What does it mean to satisfy a loan?

To satisfy a loan means to fully repay the full amount of the loan.

How do you know if your mortgage is satisfied?

You can find out if your mortgage has been officially paid off by contacting your lending institution.

How do I prepare my Satisfaction of Mortgage document?

You can complete a Satisfaction of Mortgage document using the Rocket Lawyer document builder. You will need to gather some information and answer some questions to create your customized 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?

This 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.

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Sample Satisfaction of Mortgage

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