Use Cases - Same-day Title Updates

Smart Title Data for Every Loan Stage

At AFX Research, we understand that different players in the mortgage lifecycle—from originators to servicers—have unique title data needs. Whether you're funding residential home loans, managing high-volume investment portfolios, or servicing distressed assets, fast and accurate title updates are essential to mitigate risk, ensure compliance, and streamline operations. Our nationwide coverage and automation-ready delivery formats allow lenders, aggregators, and servicers to make confident decisions at every stage of the loan process.

Pre-Funding Due Diligence: Validate title status before funding new loans — including second liens, piggyback combos, and CELOCs.
Construction & Draw Disbursements: For new builds and renovation programs (e.g., HomeStyle®, CHOICERenovation®, FHA 203(k), portfolio rehab).
Post-Closing QC: Identify missed liens or defects after closing — including for Non-QM or second lien loans.
Payoff & Lien Release: Confirm clear title before issuing payoff statements or lien releases.
Loan Modifications & Extensions: Verify ownership and lien status before modifying terms.
Servicing Transfers: Validate vesting, lien position, and taxes before boarding or transferring.
HELOC Re-advances / Line Increases: Confirm lien priority before increasing or reactivating a line.
Rate-and-Term Refinance Validation: Confirm title before closing non-cash-out refinances.

Construction & Draw Disbursements: For rehab, new builds, and fix-and-flip projects.
Pre-Funding Due Diligence: Validate title before funding or purchasing.
Collateral & Vesting Verification: Ensure ownership and encumbrances match underwriting.
Loan Modifications & Extensions: Confirm clear title before extending terms.
Payoff & Partial Releases: Verify lien status at payoff or when releasing collateral.
Foreclosure & Default Review: Assess title before initiating foreclosure.
Portfolio Surveillance: Periodic title checks on performing and watchlisted loans.

Pre-Funding Due Diligence: Verify title status before funding new loans or approving draws.
Construction & Draw Disbursements: Confirm clean title for interim disbursements.
Post-Closing QC: Spot title issues after funding.
Payoff & Lien Release: Ensure clear title at payoff.
Loan Modifications & Extensions: Re-verify title before modifying terms.
Servicing Transfers: Validate title when boarding or transferring servicing.
Foreclosure & Default Review: Identify encumbrances before foreclosure.
Portfolio Surveillance: Ongoing title updates for high-balance or at-risk assets.
Collateral & Vesting Verification: Match recorded documents with the loan file.

Pre-Purchase Due Diligence: Verify lien position, vesting, and encumbrances.
Collateral File Reconciliation: Match recorded title with loan file.
Portfolio Surveillance: Ongoing checks for watchlisted or distressed assets.
Servicing Transfers: Confirm title details before boarding.
Repurchase Defense: Validate original title status to support reps & warrants.
Foreclosure & Default Review: Assess title for non-performing loans.

Servicing Transfers: Validate vesting, lien status, and taxes.
Payoff & Lien Release: Confirm clear title before payoff or lien release.
Loss Mitigation & Default Management: Check title status on delinquent loans.
Foreclosure & Default Review: Verify title before initiating foreclosure or executing loss mitigation.
Loan Modifications & Extensions: Confirm borrower remains in title; check for new liens.
Portfolio Surveillance: Monitor high-risk loans for title issues.

Common Report Example

*recommended to view on desktop

{
  "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"
  }
}

Title Update Use
Cases by Lender Type

Smart Title Data for Every Loan Stage

Let’s Simplify Your
Property Matching

Smart Title Data for Every Loan Stage

Title Update Use Cases by Lender Type

Smart Title Data for Every Loan Stage

Consumer Mortgage Lenders

Private & Investment Property Lenders

Commercial Real Estate Lenders

Loan Buyers & Aggregators

Servicers & Special Servicers

Let’s Simplify Your Property Matching

Smart Title Data for Every Loan Stage

Common Report Example

*recommended to view on desktop

Title Update Use
Cases by Lender Type

Let’s Simplify Your
Property Matching