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I'm refinancing my house in CA through current lender. Title company reports no liens on my house. Is my house mine now free and clear?

1 Answers. Asked on Mar 10th, 2017 on Real Estate - California
More details to this question:
I guess this means that I no longer have any debt on the house so I no longer need to make payments to lender? I doubt that's the case, more wishful thinking.
Answers Showing 1 out of 1
Answered on Mar 11th, 2017 at 12:46 PM

How long have you lived there? Some people do eventually pay off their 30 year loans. Lenders and loan brokers have been pushing 15 year and 20 year loans by offering lower interest rates. Maybe you had one of those.

Ask the title company to look again. Do you remember when you last took out a loan on your home? If so, tell the title company. That might help.

Missed payments can hurt your credit rating, raising the interest rate on your next loan or even making a new loan unavailable.

If you appreciate this free advice, please remember to refer any of your friends or family who need assistance. Referrals are still our best source of new business.

Do you have a living trust to avoid probate? Everyone should have one. Probate is expensive, takes too long, annoying, and unnecessary.  Please let me know if you would like to talk about it.

Dana Sack

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Real Estate
Real estate attorneys can help individuals, families and small business with all property-related legal issues. Buyers and sellers of residential and commercial real estate should work with an attorney to negotiate the terms of agreement; draft and review the contract; review related paperwork (such as loan agreements); clear existing liens on a property; and attend the closing. Lawyers can also assist property owners with addressing zoning/rezoning issues and appealing property tax assessment. Landlords and tenants should work with real estate law firms to draft and review lease agreement, handle eviction proceedings and resolve landlord-tenant disputes.
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