You’ve signed the closing papers and picked up the keys. Now you’re deciding which box to unpack first. Before the paperwork disappears into a drawer, take a few minutes to find out how you’ll get your recorded deed, where to look for your title policy, and what to do if a letter arrives offering to sell you a copy of your own deed.
How do I get a copy of my recorded deed?
After you sign your closing documents, the settlement team typically submits the deed to the local land records office for recording. The deed documents the transfer of ownership from the seller to you. Recording puts that transfer in the public land records. The office that handles recording varies by location. Consumer Financial Protection Bureau guide to the closing process.
Start with your closing packet. If it contains only the signed deed, ask your closing team how to confirm it was recorded and how to get a recorded copy. You can also contact the land records office where the property is located and ask how to request a copy or a certified copy if you need one.
When should I expect my owner’s title insurance policy?
If you purchased owner’s title insurance, ask your title company how it will deliver the final policy and when to follow up. If your closing packet includes a title commitment, look for the final policy separately. The commitment describes the proposed coverage and the conditions for issuing it.
Keep the final policy and the title company’s contact information with your closing records. An owner’s policy can help protect your investment if a covered ownership claim comes up later. The lender’s policy protects the lender’s interest. Consumer Financial Protection Bureau guide to owner’s title insurance
Which closing documents should I keep?
Save the full closing packet in a secure place you can find again. It can be especially handy if you refinance, sell, or have a question about your ownership records. Start by making sure you can locate these documents.
– Recorded deed documents the transfer of ownership.
– Closing Disclosure summarizes the final loan terms and closing costs if you received one.
– Promissory note and mortgage or deed of trust document your repayment agreement and the property securing the loan, if applicable.
– Owner’s title insurance policy explains your coverage, if you purchased one.
Consumer Financial Protection Bureau post-closing checklist
Do I need to pay for a deed copy offered by mail?
New homeowners sometimes receive official-looking letters offering to send them a copy of their recorded deed for a fee. The letter may include accurate details about your property because deed information is public. Before paying, check your closing packet or contact the local land records office directly to ask about copies and fees. Ohio Attorney General consumer guide to deed copies
Your quick checklist after closing
– Confirm how to get a recorded copy of your deed.
– If you bought owner’s title insurance, find out how your final policy will arrive.
– Save the complete closing packet in one secure place.
– Verify any mailed offer for a deed copy before paying.
Closed with Liberty Title & Escrow and have a question about your recorded deed or final title policy? Contact our team.
