Things You'll Need:
- Statement of closed account (mortgage) from the former mortgage company
- A Notary Public (preferably an attorney)
- A blank mortgage discharge form
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Step 1
Pay off the mortgage you are attempting to discharge. To fully pay the account, you'll need to get a payoff letter from the mortgage company with a per diem and expiration date.
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Step 2
Confirm the payment went through with your mortgage company. Ask for a paid in full letter. This will show the account details, the zero balance, the open and close date, and the payment history. Make several copies of this letter.
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Step 3
Obtain a blank mortgage discharge document. These can be found at a real estate attorney's office, the Registry of Deeds for your city or township, or at the website listed in resources.
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Step 4
Contact your notary public or attorney and schedule an appointment to visit with your former mortgage loan officer. It must be a three-way meeting with you, the attorney and the lender.
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Step 5
Fill out the discharge with all parties present. Make sure to bring the paid in full letter from the mortgage company. The mortgage lender must fill out the discharge and the attorney must notarize the document with a raised seal. Make copies of the signed and notarized mortgage discharge for your records.
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Step 6
Bring the original mortgage discharge to your city or town Registry of Deeds. Speak with an abstractor and pay the required fees to get the discharge recorded in the county record books.
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Step 7
Confirm the mortgage discharge was recorded three weeks after you filed the document at the Registry. This can usually be accomplished online or by visiting the Registry again.
