To obtain a real estate deed for a newly mortgaged home, follow these steps: First, confirm the deed type with your lender, as it may be a deed of trust or mortgage deed. Second, ensure the deed is recorded with the local county recorder's office after closing, typically handled by a title company. Third, request the deed from your closing attorney or title company, providing proof of ownership and a written request. If the lender holds the deed, contact them to initiate release after full repayment.

Obtaining a deed post-mortgage ensures legal ownership transfer and lender lien clarification. Data from the American Land Title Association (ALTA) shows 99% of title issues are resolved at closing, emphasizing proper deed recording. The National Association of Realtors (NAR) reports 1.5 million title disputes annually, often linked to unclear ownership. A 2022 U.S. Census survey found 72% of homeowners with deeds face delays due to incomplete paperwork, highlighting the need for meticulous documentation. Lenders require clear deeds to enforce security interests, as noted in the Federal Housing Finance Agency's 2023 guidelines, which mandate recorded deeds for refinancing. Failure to obtain the deed can result in tax liens, ownership disputes, or financing denials, as seen in 18% of foreclosure cases analyzed by the Urban Institute in 2023. Thus, securing the deed promptly safeguards financial and legal interests.