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new homeowner not on loan but supposedly on the deed

Discussion in 'Mortgages & Financing' started by daniel U, Dec 26, 2019.

  1. daniel U

    daniel U Law Topic Starter New Member

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    where do i go to verify this for myself so i dont have to except some copy anyone could make ect and make sure is legitimate? i live in tennesse so would be TN law
     
  2. flyingron

    flyingron Well-Known Member

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    Verify what? If you want to know what the ownership is, you'd best have a proper title search done. This won't necessarily tell you if you are the hook for a loan. You only got that if you signed a contract obligating yourself to that. You should remember what you signed.
     
  3. adjusterjack

    adjusterjack Super Moderator

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    You'll want to search the Register of Deeds in the county where the property is located. The Register of Deeds records deeds and mortgages. Look for your name. Try this online first. If not successful, visit the office.
     
  4. flyingron

    flyingron Well-Known Member

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    The absence of a recorded mortgage or deed of trust doesn't necessarily indicate the absence of responsibility for a loan.
     
  5. daniel U

    daniel U Law Topic Starter New Member

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    well my credit wasnt good enough to get a loan so my mother got the loan but i'l be living in the house myself and will be paying the mortgage. but supposably im on the deed only reason i want to see for myself is because there are certain family members brother and sister whom i dont want on my property so i figured i should probably see the deed so i know what my rights are if someone trespasses and i dont want them to.
     
  6. Zigner

    Zigner Well-Known Member

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    If you are the only resident, and you are not an owner, then you are a tenant, with all the rights allowed per your state's laws, as well as those conferred in your rental/lease agreement (if any).
     
  7. adjusterjack

    adjusterjack Super Moderator

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    Then your county's Register of Deeds is the place to look. Look for your name. If you don't find one, look for your mother's name.

    It's been 3 hours since my suggestion. Haven't you done that yet?
     
  8. zddoodah

    zddoodah Well-Known Member

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    Assuming "this" refers to the subject header of your post ("new homeowner not on loan but supposedly on the deed"), the answer depends on what exactly the subject header of your post means. That said, real property deeds are matter off public record. I don't know exactly where they are available for search and viewing in Tennessee, but I assume it's a county courthouse, clerk's office or recorder's office.

    Huh?
     

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