I paid off my Wells Fargo mortgage 3 years ago and to date no-one has sent me any form of proof of doing so.
I contacted them 2 years ago and was told that they don't hold it.
Does anyone know how this works?
First, check with your county register of deeds and see if it was filed after paying off the mortgage. It could of been filed and you were never mailed a copy.
Then check your states guidelines for release of property liens. Some states require the lien holder to release the lien and pay the recording fee to the county clerks office within 30 days.
If that doesnt work, take proof of payoff to the county clerk. This would need to be a notarized document showing your balance as ZERO. Ask for a "release of lien" form, make 2 copies and mail one to the bank that had the mortgage.
Take your copy and fill it in with all the info and have it notarized. Give the bank 2 weeks to send back their copy. If they send it back complete, then just file it yourself with the clerks office. If you dont hear back from them, take your notarized copy to the clerk and have them file it.
Of course check with your state laws on release of liens. Some states will not let you do what I just described above. Last resort is you would have to file a complaint in your county court system and prove that the debt is payed off in full and lien was not released. A judge would then issue the release and it would be filed with the clerks office.
