Texas Confirms Deed With Mortgage
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FAQ
If your names appear on the deed, you own the property if one of you dies. You are not liable for the mortgage loan if you do not have a mortgage. However, if your spouse dies, you inherit their interest in the property.
You must have your deed of reconveyance notarized and filed in the public records. Often this means taking your deed of reconveyance to the county offices. Recording this deed of reconveyance accurately is essential to providing proof of your ownership and that you paid your loan back.
In Texas, you record your deed with the County Clerk in the county where the property exists. If the property is in more than one county, record it in each. It is important to record your deed. In Texas, the property is legally transferred when the grantee accepts the signed deed.
When a deed of trust/mortgage is paid in full, you can record a Full Reconveyance from the trustee stating publicly that the loan has been paid. The Full Reconveyance Form is completed and signed by the trustee, whose signature must be notarized.
A general warranty deed must include the following to be valid: The name and address of the seller (called the grantor) The name and address of the buyer (called the grantee) A legal description of the property (found on the previous deed) A statement that the grantor is transferring the property to the grantee.