What is a release of mortgage?

What is a release of mortgage?

What is a release of mortgage?



A release of mortgage, also known as a mortgage discharge or satisfaction of mortgage, is a legal document that signifies the completion of a mortgage loan. It is an important step in the home buying process as it releases the property from the lien created by the mortgage. This article will delve into the details of what a release of mortgage entails and why it is essential for homeowners.

Understanding a Release of Mortgage

When a borrower obtains a mortgage loan to purchase a property, the lender places a lien on the property as collateral for the loan. This lien is recorded in public records, indicating that the property is encumbered by the mortgage. The release of mortgage is the document that removes this lien from the property’s title once the loan is fully paid off.

Process of Obtaining a Release of Mortgage: To obtain a release of mortgage, the borrower must fulfill their financial obligations by making all the required mortgage payments according to the loan agreement. Once the final payment is made, the lender is responsible for preparing and recording the release of mortgage document. The document is then filed with the appropriate government office, typically the county recorder’s office, to remove the lien from the property’s title.

Importance of a Release of Mortgage

Clearing the Title: A release of mortgage is crucial for clearing the title of a property. Without it, the property’s title remains encumbered by the mortgage, which can create complications when selling or refinancing the property. A clear title is necessary to establish ownership and ensure that the property can be transferred without any legal issues.

Proof of Loan Satisfaction: The release of mortgage serves as proof that the borrower has satisfied their financial obligations and fully repaid the mortgage loan. This document is valuable for homeowners as it provides evidence that they have fulfilled their responsibilities and have no outstanding debt related to the mortgage.

Obtaining a Copy of the Release of Mortgage

Once the release of mortgage is recorded, it becomes a public record. Homeowners can request a copy of the document from the county recorder’s office or the lender. It is advisable to keep a copy of the release of mortgage for future reference and to provide it as proof of loan satisfaction when necessary.


A release of mortgage is a vital document that signifies the completion of a mortgage loan and removes the lien from a property’s title. It is essential for homeowners to obtain a release of mortgage to clear the title and provide proof of loan satisfaction. By understanding the process and importance of a release of mortgage, homeowners can navigate the home buying process with confidence.


– Fidelity National Title: https://www.fntic.com/
– Investopedia: https://www.investopedia.com/