Arrange Title Deed For Free

The biggest difference between a deed and a title is the physical component. A deed is an official written document declaring a person's legal ownership of a property, while a title refers to the concept of ownership rights.

A title deed is a main legal document for evidencing sale and transfer of ownership of property in favour of the buyer, from the seller. Further, it also acts as the main document for further sale by the buyer as it establishes his proof of ownership of the property.

Original title deeds are usually stored with a solicitor or conveyancer who acted on the last sale of the property. Alternatively, you may find they have been retained by your mortgage provider if you have a mortgage on the property.

In short, yes you can sell your house without the deeds, however you must be able to prove through other means that you are the owner of the property. As the deeds are the assortment of documents which usually prove ownership, proving it without them can be a more protracted process, but it is by no means impossible.

The title deeds to a property with a mortgage are usually kept by the mortgage lender. They will only be given to you once the mortgage has been paid in full. But, you can request copies of the deeds at any time.

The original deed is returned to the owner of the property from the office of the recorder after proper entry. The office of the Recorder of Deeds maintains a set of indexes about each deed recorded, for an easy search. Almost all states have a grantor-grantee index including a reference to all documents recorded.

In case you have taken a home loan, and the bank has misplaced the original sale deed, you need to file a complaint with the bank and keep a copy of their response with you for future reference. Next, you need to lodge an FIR against the bank and publish an advertisement in the newspaper.