In real estate lending, speed and accuracy go hand in hand. Lenders need data they can trust — not just fast reports that look current. But depending on data aggregators or delayed updates often leads to missed liens, ownership errors, and funding risks. That’s where same-day title updates change everything. By combining direct public record […]
When working with construction loans, accuracy and timing are everything. Every draw request, lien waiver, and title update must show what’s really happening at the county level right now, especially in the context of Construction Lending. If even one lien is missed, a lender’s position can be at risk. Closings can stall. Funding can freeze. […]
Real estate transactions depend on accurate property information, fast title verification, and trust between lenders, real estate professionals, and property owners. But traditional title processes are often slow and paper-heavy, delaying closings and increasing costs. Even as digital tools evolve, many title companies still rely on static reports that need manual interpretation. The next evolution […]
In real estate lending, location isn’t just a pin on a map—it’s the foundation of risk assessment and asset security. The growing use of geospatial intelligence in title search has transformed how lenders, insurers, and property researchers interpret data. From mapping liens to verifying ownership, understanding where something exists in the real world is as […]
In real estate lending, accuracy is everything. The smallest discrepancy in a property’s legal description, ownership record, or lien position can derail a transaction or trigger repurchase demands after closing. Traditionally, detecting such discrepancies has required painstaking manual review—human examiners comparing deeds, checking parcel descriptions, and confirming ownership of the property line by line. But […]
In mortgage lending, every decision relies on one question: Who truly owns the property—and what’s attached to it? Yet the answer isn’t always as clear as it looks. County systems vary, aggregator feeds lag, and AI tools can’t reach live public records. For lenders, that fragmentation creates blind spots in underwriting and loan servicing. Centralized, […]
{
"your_order_number": "1663232-1212",
"afx_property_id": "79-275248-47",
"file_name": "1663232-1212-TS.pdf",
"public_url_to_file": "https://ourfileurl.com/files/download/431365FR2aPVJhUTIs6K4emWn7LPN5RGDvrT1WtQAHRKE3g",
"report_data":
{
"productID": "116",
"productName": "Current Owner Search w/ Taxes",
"propertyID": "79-275248-47",
"yourReferenceNumber": "ABCD1234",
"yourOrderNumber": "1663232-1212",
"yourMortgageeSiteName": "ABC MONEYSOURCE MORTGAGE COMPANY",
"dateComplete": "08/19/2024",
"dateEffective": "08/16/2024",
"propAddress": "123 SE TEST ROAD",
"propCity": "ESTACADA",
"propState": "OR",
"propZip": "97020",
"propCounty": "CLACKAMAS",
"propAPN": "111025371-012",
"propAltAPN": "R-3-4E-21-C-A-01500",
"propLegal": "SUBDIVISION VISTA TEST 4366 TRACT C",
"propOwner": "CORY TIPTON",
"landValue": "100000.00",
"buildingValue": "250000.00",
"propValue": "350000.00",
"overallTaxNotes": "",
"taxesExists": 1,
"taxes": [
{
"year": "2023",
"period": "",
"status": "PAID",
"date": "",
"amount": "3141.26"
},
{
"year": "2024",
"period": "",
"status": "DUE",
"date": "",
"amount": "3721.10"
}
],
"deedsExists": 1,
"deeds": [
{
"type": "WARRANTY DEED",
"dated": "03/13/2024",
"recorded": "03/13/2024",
"instrument": "2024-008696",
"book": "",
"page": "",
"torrens": "",
"grantorName": [
"NORTHWEST CORE HOLDINGS, LLC"
],
"granteeName": [
"CORY TIPTON"
],
"notes": ""
},
{
"type": "DEED",
"dated": "01/31/2024",
"recorded": "02/02/2024",
"instrument": "2024-003832",
"book": "",
"page": "",
"torrens": "",
"grantorName": [
"VISTA TEST HOMEOWNER'S ASSOCIATION"
],
"granteeName": [
"JOHN DOE"
],
"notes": ""
}
],
"mortgagesExists": 1,
"mortgages": [
{
"type": "DEED OF TRUST",
"dated": "04/20/2024",
"recorded": "04/30/2024",
"instrument": "2024-015037",
"book": "",
"page": "",
"amount": "312000.00",
"mortgagorName": "JOHN DOE",
"mortgageeName": "ABC MONEYSOURCE MORTGAGE COMPANY",
"trusteeName": "FIDELITY NATIONAL TITLE COMPANY OF OREGON",
"mersName": "EVERGREEN MONEYSOURCE MORTGAGE COMPANY",
"mersMIN": "1000235-0023016999-7",
"mersStatus": "ACTIVE",
"relatedDocsExists": 1,
"relatedDocs": [
{
"type": "ASSIGNMENT",
"desc": "UMB BANK NATIONAL",
"recorded": "02/28/2024",
"instrument": "",
"book": "1130",
"page": "415"
}
],
"notes": ""
},
{
"type": "HELOC",
"dated": "06/25/2024",
"recorded": "06/30/2024",
"instrument": "2024-016054",
"book": "",
"page": "",
"amount": "30000.00",
"mortgagorName": "JOHN DOE",
"mortgageeName": "TRUST CREDIT UNION",
"trusteeName": "",
"mersName": "",
"mersMIN": "",
"mersStatus": "",
"relatedDocsExists": 0,
"notes": ""
}
],
"liensExists": 0,
"overallLienNotes": "",
"miscsExists": 0,
"reportNotes": "",
"dateSubmitted": "08/19/2024 10:14:31 AM",
"currentDeedRecordDate": "03/13/2024"
}
}