Trying to refinance my house title search found deed not released from a 1996 refinance what can i do?

Alisa
The bank that had the mortage that was paid off in 1996 is no longer in business. Plus I cannot locate any documentation stating this loan was paid off. It is no longer on my credit report. Any suggestions on how I can get this resolved?

Jeffery
Talk to a real estate attorney.

Alida
If it was paid in full through normal amortization (10 year mortgage paid in 10 years) then many states have title insurance laws that permit them to assume the loan has been paid in full. If it was paid off early, that will be a challenge to overcome. One way would be with your tax returns. If you suddenly stopped deducting interest that would help you prove the mortgage was paid. Also if you can get a copy of your credit report for 97 or 98, it may show the loan was satisfied. Do you have your bank records from 13 years ago?realtor.sailor