In the fast-paced world of real estate transactions, timing is everything—especially for mortgage lenders who rely on accurate data to underwrite home loans and assess loan amount, loan term, and property deed records. Delays in retrieving title information can cost lenders money, time, and borrower satisfaction.
That’s where AFX Research, a nationwide title search company, delivers a game-changing solution: real-time, same-day title updates using webhooks and structured JSON data formats. This technology allows web applications to receive accurate title information instantly when an event occurs, such as a lien discovery, ownership change, or tax status update.
In this post, we’ll explore how AFX Research empowers mortgage lenders and web developers through modern technologies like JSON, webhooks, and JavaScript Object Notation, making title data integration seamless, secure, and fast.
Traditional title search methods involve manual searches of property deed, property taxes, and historical ownership records, often taking several days to process. For mortgage providers, this delay adds unnecessary friction to closing timelines and raises risk during underwriting.
Key pain points include:
By leveraging modern tech infrastructure, AFX Research transforms this process through webhooks and real-time JSON objects, allowing same-day title updates to be pushed directly into lender platforms and web applications.
JSON (short for JavaScript Object Notation) is a lightweight data format that is easy for humans to read and machines to parse. In real estate, where multiple data points—mortgage, property deed, loan term, property taxes—must be synchronized across systems, JSON is the perfect tool to share data efficiently.
Here’s an example of what a typical JSON object might look like when delivering a title update:
{
“event”: “title_update”,
“property_id”: “123456”,
“address”: “789 Elm Street, Dallas, TX”,
“mortgage”: {
“lender”: “ABC Mortgage”,
“loan_amount”: 325000,
“loan_term”: “30 years”
},
“deed_owner”: “John Smith”,
“liens”: [“HOA lien”, “Tax lien”],
“property_taxes”: 4800
}
This structured JSON format ensures that the data types—text, numbers, arrays—can be automatically consumed and interpreted by web applications, CRMs, LOS (loan origination systems), or custom dashboards.
JSON (short for JavaScript Object Notation) is a lightweight data format that is easy for humans to read and machines to parse. In real estate, where multiple data points—mortgage, property deed, loan term, property taxes—must be synchronized across systems, JSON is the perfect tool to share data efficiently.
A webhook is a mechanism that allows one system to send data to another in real-time as soon as an event occurs. Unlike polling or API calls, which require repeated checking for changes, a webhook notifies your system instantly—like a doorbell.
For mortgage lenders, this means:
AFX’s integration-ready platform is designed to support programming languages such as JavaScript, Python, and PHP, making it easy for web developers to incorporate into any modern stack.
Here’s a breakdown of how it benefits the lending process:
Feature | Description | Keywords Used |
---|---|---|
Same-Day Title Updates | Rapid delivery of title reports, often within hours | same-day title updates, real estate, mortgage |
Real-Time Event Triggers | Instant push of data via webhooks when an event occurs | webhook, event occurs |
JSON Format Support | Consistent and readable format for data exchange | json format, json objects, json data |
Custom Web Applications | Data flows directly into LOS, CRMs, and portals | web applications, web developers |
Lien and Tax Alerts | Auto-pushed data on encumbrances and obligations | property taxes, lien, loan amount |
Deed Ownership Change Detection | Updates on property deed ownership in real-time | property deed, real estate |
AFX Research has mapped a wide range of types of events that can automatically trigger webhook data pushes in JSON. Some examples include:
Each event occurs only once for a given transaction and generates a structured JSON object, ready to be parsed into your system or displayed within a web application dashboard.
For mortgage lenders, the value of this real-time JSON data can’t be overstated:
For web developers, AFX offers:
Whether you’re building a custom platform or enhancing an existing portal, AFX’s webhook and JSON infrastructure simplifies the process.
To ensure proper validation and interoperability, AFX provides a JSON schema for each data type. This schema defines the structure of each event, including required fields and allowed data types.
Here’s a sample schema for a loan amount update event:
{
“$schema”: “http://json-schema.org/draft-07/schema#”,
“title”: “LoanUpdateEvent”,
“type”: “object”,
“properties”: {
“event”: { “type”: “string” },
“loan_amount”: { “type”: “number” },
“loan_term”: { “type”: “string” },
“mortgage_lender”: { “type”: “string” },
“property_id”: { “type”: “string” }
},
“required”: [“event”, “loan_amount”, “loan_term”, “mortgage_lender”, “property_id”]
}
With clear documentation, your dev team can begin parsing updates into your pipeline in minutes.
Since 1995, AFX Research has specialized in title search and property deed research, supporting banks, credit unions, and financial technology platforms. What sets AFX apart is its investment in modern infrastructure—particularly webhooks, JSON arrays, and API-driven solutions for same-day title updates.
AFX is not a lender or financial institution—it’s a pure data provider. This means no conflicts of interest, no upsells, just fast, clean, and accurate data.
In today’s lending environment, efficiency, speed, and accuracy are non-negotiable. AFX Research delivers exactly that by offering real-time, same-day title updates powered by webhooks and clean, structured JSON data.
Whether you’re a mortgage lender, web developer, or data engineer building the next generation of web applications for real estate, AFX provides the tools to share data, enhance automation, and streamline loan decision-making.
To learn more or request a live demo of AFX’s webhook-ready title platform, contact AFX Research today.
{
"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"
}
}