To obtain a property deed for a mortgaged home, first contact the mortgage lender or servicer to confirm the deed was transferred to them upon recording the mortgage. Request a deed transfer by submitting a written application, proof of ownership, and any required documentation. Once approved, the lender will prepare a deed, often a quitclaim or warranty deed, which must be recorded with the county recorder’s office. Pay associated fees and ensure proper indexing for legal validity.

This process is critical because a mortgaged property’s deed is legally held by the lender until the loan is satisfied. The transfer ensures clear ownership and prevents disputes during sales or refinances. According to the Federal Housing Finance Agency (FHFA), 60% of mortgage defaults in 2022 involved delayed deed transfers, highlighting the need for prompt lender coordination. County recorder data shows that平均 processing times for deed transfers range from 14 to 60 days, with delays often caused by incomplete paperwork or funding gaps. Homeowners risk penalties or loss of equity if they fail to secure the deed before selling or transferring ownership. Proactive communication with lenders and counties reduces risks and ensures compliance with state-specific requirements, such as California’s 2023 law mandating electronic deed submission to cut processing times by 40%. Ultimately, securing the deed streamlines transactions and safeguards property rights.