In a perfect lending world, every title issue would be identified, resolved, and documented before a loan ever reaches the funding stage. In reality, many of the most damaging title defects, often referred to as Title Errors, surface after the money has already been disbursed—when lenders have the least flexibility and the highest exposure. Understanding […]
In modern mortgage and real estate finance, investor exceptions rarely come from dramatic failures. They emerge quietly—through small, overlooked title issues that compound after closing. A missed lien. An outdated vesting record. A recording that posted hours after an automated report was generated. Individually, these issues may seem minor. To investors, regulators, and secondary market […]
Real estate lending has undergone a dramatic transformation over the past decade. Loan origination systems are faster, underwriting models are more automated, and borrowers expect near-instant decisions. Yet one critical component of lending workflows has struggled to keep pace: title data. Traditional title reports—often delivered as static PDFs or scanned documents—were never designed for modern, […]
For decades, title data has been one of the most fragmented, misunderstood, and operationally risky components of real estate lending. While underwriting, credit, and income verification have all moved toward standardized, machine-readable formats, title information has largely remained trapped in PDFs, static reports, and delayed aggregator feeds. The need for a Title Update is more […]
In modern real estate lending, few phrases are used more loosely—and misunderstood more often—than “digitized public records” and “Digitized Data.” Lenders, servicers, and fintech platforms frequently assume that if a county is digitized, its records are inherently accessible, current, and reliable for underwriting or funding decisions. That assumption is wrong. Digitization and accessibility are not […]
For decades, title updates have been treated as isolated checkpoints—ordered at specific moments in the loan lifecycle and assumed to remain valid until the next formal title event. That assumption no longer holds. Today’s lending environment moves faster than county recording systems, faster than aggregator refresh cycles, and often faster than escrow timelines. Liens, judgments, […]
{
"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"
],
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},
{
"type": "DEED",
"dated": "01/31/2024",
"recorded": "02/02/2024",
"instrument": "2024-003832",
"book": "",
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"torrens": "",
"grantorName": [
"VISTA TEST HOMEOWNER'S ASSOCIATION"
],
"granteeName": [
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],
"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": "",
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}
],
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},
{
"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": "",
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"relatedDocsExists": 0,
"notes": ""
}
],
"liensExists": 0,
"overallLienNotes": "",
"miscsExists": 0,
"reportNotes": "",
"dateSubmitted": "08/19/2024 10:14:31 AM",
"currentDeedRecordDate": "03/13/2024"
}
}