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Lost or destroyed mortgages may be satisfied using a certified copy secured from our office.
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In most situations Mortgages are returned to the mortgagee (bank or financial institution lending the money). If we have been instructed otherwise, it will be noted on the document. The mortgagor is the party receiving the loan and is usually the purchaser of the property being transferred. Generally, the original mortgage will eventually be returned to the mortgagor, by the mortgagee, when the final payment is made to the lender, and after a Satisfaction is recorded.
A document called a Mortgage Satisfaction Piece is recorded in our office. All the information on this document must match the mortgage exactly.
This action must be initiated by the mortgagee (lender). The mortgagee may send the actual forms to you when you make your final payment. Contact your lender to see how it will be handled.
Bring or mail the original mortgage and the Satisfaction Piece to our office with the proper fee.