Assignment Verification Report
An Assignment Verification Report (AVR) examines the county land records to establish and verify an unbroken chain of title for a specific mortgage or deed of trust, tracing it from the original lender to the current holder of record.
Common Transaction Uses
- Mortgage loan servicing transfers and portfolio due diligence
- Pre-foreclosure standing and authority to foreclose verification
- Mortgage-backed securities (MBS) securitization and custodial audits
- Loss mitigation, loan modification reviews, and title curative actions
- Identifying missing, defective, or out-of-order assignments of record
Public Records & Filings Examined
- Original recorded mortgage or deed of trust
- All intervening recorded assignments and transfers of mortgage
- Corrective assignments, gap affidavits, and lost note references
- Corporate mergers, acquisitions, and banking entity name changes
- Mortgage Electronic Registration Systems (MERS) recording milestones
- Documentary execution dates, recording dates, and book/page references
- Current beneficiary, mortgagee of record, or servicing agent authority
Information Required to Request
- Subject property street address and county/state jurisdiction
- Assessor's Parcel Number (APN)
- Original mortgage recording details (date, book/page or instrument number, amount)
- Original borrower name and original lender/mortgagee name
Examination Considerations
A gap or defective assignment in the recorded chain can prevent a lender or servicer from establishing legal standing to enforce a note or initiate foreclosure proceedings.
Frequently Asked Questions about Assignment Verification Report
What is an assignment of mortgage in title research?
An assignment of mortgage is a recorded document transferring the security interest and beneficial ownership in a mortgage or deed of trust from one lender/investor to another.
What occurs if an assignment is missing from the county records?
A gap in the assignment chain can cloud title and impede legal standing. An Assignment Verification Report identifies the missing transfer so curative assignments can be obtained.
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Order a Assignment Verification Report
Submit your order identifiers through our contact form. Our intake team confirms receipt and initiates registry examination promptly.