What proves I own this house?” is a question I get asked all the time by soon-to-be-homeowners.  The answer is surprisingly simple…

Home Warranty Deed - Home Security Deed - Courtesy of your Warner Robins Real Estate SpecialistIn Georgia, at closing the transfer of title/deed is signed over to you by the seller.  Because you have a mortgage, the title/deed is held by the lender. 

Within 30 days after closing you should receive a copy of the warranty deed.  The warranty deed is a guarantee made by the seller that the title is clear and they have authority to sell the property.  Keep your copy of the warranty deed in a safe place.

I also recommended that 60 days after closing the buyer should check the county courthouse records to make sure the title has been recorded in their name.  Many offices now provide the ability to perform this check online.

As a failsafe in-case the buyer defaults on the loan, the bank holds a security deed that transfers title to the lender until the note is fully paid.  Once paid-in-full, the bank releases the title to the homeowner.  At this stage, the buyer is truly a “Home Owner”.

About Anita Clark Realtor

Anita Clark has written 596 posts on this blog.

Anita is a residential Real Estate Agent in Warner Robins Georgia, with Coldwell Banker Access Realty (478) 953-8595, aiding buyers and sellers with all their real estate questions on her Warner Robins blog.