You'll Need These 2 Things
The applicant must read the disclaimer. In addition to the applicant information, you need a valid email address. You’ll be getting some important emails from Title Land Edification at this address.
Provide details of the local government tax parcel identifiers shown on deed of trust (mortgage) or title deed. If multiple tax parcels are owned only one tax parcel identifier number needs to be provided.
Register your real property today to discover if the registered parcel identifiers have been materially altered before the origination and closing of your mortgage loan.
Our first priority is not to rely on titles taken from local government’s public land records to determine the true owner of an item of real property. While we do search the records maintained by county government officials and offices (e.g., county recorders, county assessors, government tax agencies) to locate any documents that might affect the mortgage loan origination and land title of a given property, public paper and electronic records maintained by county governments do not always provide an accurate or reliable record.
Our Initial Process Takes Up To Four Weeks
Depending on the number of registered electronic promissory notes and documents to review, a land title search will take anywhere from one hour to four weeks to complete. Our first priority is not to rely on titles taken from local county government’s public land records to determine the true owner of an item of real property. While we do search the records maintained by county government officials and offices (e.g., county recorders, county assessors, government tax agencies) to locate any documents that might affect the mortgage loan origination and land title of a given property, public paper and electronic records maintained by county governments do not always provide an accurate or reliable record.
While we recognize that most elected county recorders feel a remarkable sense of duty and pride in preserving the sanctity and integrity of public land records that define American property rights, our initial process entails thoroughly examining county governments’ official documentation, including new construction building permits, easements, plat books, maps, contracts, and agreements, to ascertain specific datasets and factors, including a property’s legal description, ownership, or restrictions.
For the purposes of account verification, we will also request specific information (e.g., the correctness of parcel identifiers) dated prior to the origination of a mortgage loan but before closing from various local government agencies. Upon confirmation from all agencies, we will notify the registrant of our findings.
Whether your mortgage loan has not yet originated or you are close to taking possession of your new real estate, we can help protect and prevent you and your family from consumer borrower’s identity theft committed via paper and electronic documents kept in local government public land registration systems.
When or after your mortgage loan transaction closes, you will receive the paper deed or title to your property along with a title insurance policy. The title process usually takes approximately two weeks; however, depending on the property and transaction type, times can vary significantly. Your real estate attorneys and agent can provide you with updates regarding the timetable as the closing progresses.
Typically, the fee associated with a property title search is $75 to $100. Based on registrant terms, we offer services at either no charge or a small registration fee from $2.74 to $5.89. If we find no discrepancies during our initial search of datasets obtained from local governments, the electronic National Mortgage Rights Registry, and/or publicly recorded deeds of trust for the real property or properties in question, you will not be charged for our services and any fees paid will be refunded.
Register Today: Protect Yourself Against Real Estate Recording Fraud
Upon closing, the borrower signs a mortgage and paper promissory note. Without the borrower’s knowledge or consent, a member of the electronic National Mortgage Rights Registry acting as a lender is then identified as a representative of the financial services industry and the electronic National Mortgage Rights Registry is appointed “mortgagee as nominee” for the lending institution and its successors assigned in the mortgage. This often leads to unauthorized and/or fraudulent conveyances involving promissory notes linked to mortgage loans registered in the electronic National Mortgage Rights Registry, either before the mortgage loan origination or before closing.
Before the settlement of a real estate transaction and submission of all relevant documents to the appropriate recording office for recordation in county recorders’, assessors’, and treasurers’ real property recordkeeping systems, we will validate the “recordability” of the documents, including such critical datasets as tax map identification numbers and registered parcel identifiers. We will then determine whether the documents are submitted in paper form or as scanned electronic records.
Finally, we will validate the transfer of mortgage servicing rights, ownership, security interests, and releases, thus ensuring federal, state, and local governments are compliant in safeguarding chattel paper and electronic promissory notes as well as all other documents related to real property titles involved in residential real estate transactions and recordings.
Have you ever pondered why you need title insurance for your property? You may be purchasing a new construction home, but every property has a history, or chain of title. Most prospective homebuyers are offered incredible deals and incentives when buying a new construction home. Before securing a mortgage loan, an exhaustive title search can help you expose any title defects tied to your new property. Moreover, subject to the terms of the policy, your title insurance protects you from chain of title defects that become known only after you have secured a mortgage loan or closed your transaction.
Register now and know before you own by protecting your real property from concealed, breached, and compromised data under the cognizance and authority of local governments. We have the means and capacity to research, assess, detect, and authenticate the validity of the following:
After you have registered to TLE e-NoteFraudAlert services, we will never call, text, or email you to request personal information, such as your Social Security number. Our goal is to protect you from becoming a victim of a data breach and any subsequent injuries resulting from negligence or error committed by local governments in the stewardship of paper and electronic public real estate recordings. Your identity, privacy, and property rights are thus our top priority.
Based on your preferences, we will send you a mail and/or e-mail alert each time there is significant activity pre-origination of a mortgage loan sale and pre-closing on the property you are monitoring, such as when a change to a registered parcel identifier occurs as a new mortgage is taken out against it.
The alert will tell you the type of activity, who the applicant is, and the date and time it was recorded.
However, not all alert messages will signify fraudulent activity. If you do not find the activity described by the alert message to be suspicious, no further action is required.
Additionally, signing up to TLE e-NoteFraudAlert will not automatically prevent fraud from happening. You will need to decide if the activity on the property is potentially fraudulent and, if so, act quickly to resolve it. However, the alert message will provide information regarding whom to contact for further advice or assistance.
After accepting the terms of the TLE e-NoteFraudAlert website agreement, you will be prompted to enter a valid email address and phone number.
The next page prompts you to select the location of a real property or properties by selecting the local jurisdiction for which you desire to be alerted as well as your preferred method of notification method (i.e., by email or the US Postal Service).
On the next page, you will submit details regarding the real properties for which you wish to receive alerts. Please note that the situs address of the real property must be identical to the property address listed in the local government tax authority’s assessment of real estate tax billing accounts and notices of tax assessment as well as the parcel identifiers listed on publicly recorded paper land deeds and documents.
The next page will prompt you, if applicable, to enter credit card information to pay the required registration and transaction fees via secure payment.
The final page summarizes the registration selections for which you desire to be alerted. You will see the local jurisdiction for which you wish to receive our TLE e-NoteFraudAlert service, method of notification, total fees, and registration period. You can then press “Finish” to complete the registration process. Registration Help: Click “OK! Register Now” to start your registration.
Depending on the number of public land records and local county government documents to review, a land title search will take anywhere from one hour to four weeks to complete. While we recognize that most elected county recorders feel a remarkable sense of duty and pride in preserving the sanctity and integrity of public land records that define American property rights, our initial process entails thoroughly examining county governments’ official documentation, including new construction building permits, easements, plat books, maps, contracts, and agreements, to ascertain specific datasets and factors, including a property’s legal description, ownership, or restrictions.
Upon completion of our search, printable/downloadable PDF reports are delivered to the email address provided during checkout. All orders are anonymous and confidential.