Recording feesare usually a part of the closing costs, so be sure this isnt a fee youve already paid for. The states that currently require both a notary public and a witness signature are: Arkansas. The company said it remains committed to the US financial services market and its remaining U.S. based business units, such as its credit card subsidiary. And they say my last payment was in 2011 yet Greentree originally said my last payment was in 2006 so theres so many discrepancies. I am trying to find out what the payout or payoff amount on a loan is, but the bank won't give it to me. independent agency created by the Congress to maintain If you do not receive the lien release from your lender, your local DMV will most likely have specific forms to fill out. In a worst case scenario where you cant reach the old mortgage company or title insurer, your current title company can help. (800) 547-8776. amount of research time and expedite our handling of your request. On the other hand, the lien release is the equivalent of simply pulling one side of the rope and watching the knot unravel. Your lender also must have a full credit assessment on your financial condition. 7:00 am - 7:00 pm CT. HelpWithMyBank.gov provides information and assistance for customers of national banks and federal savings associations. A copy of the Title or Non-Negotiable Title for the Mobile Home that you are requesting to be released. Back in 2007, Beneficial Finance, the non-prime retail mortgage unit of HSBC bank, closed roughly 300 offices nationwide, resulting in the loss of 1,500 jobs. Youll want to look for the payoff statement and the settlement statement or HUD-1 form. 1022.24. Avoid getting a verbal quote. If youre a new homeowner, search the previous owners name to confirm there is a mortgage and a release recorded in their name for your property address. The lender does this by issuing a deed of reconveyance. | The Real Estate Decision. Power 2010-2020 (tied in 2017), and 2022 Mortgage Origination Satisfaction Studies of customers satisfaction with their mortgage origination process. A recorded copy of the Mortgage or Deed of Trust Document for which you are requesting a release. Assume the same facts as in Example #2, except the market value of the property is $99,000 rather than $101,000. changes for banks, and get the details on upcoming The copy must be legible and clearly show: If the Title or Non-Negotiable Title has been lost or is unavailable, you will have to request a printout from the State containing the title information, and provide it to us. Three important documents are recorded to handle this situation: the first important document is the real mortgage, another document release of the real one, and the refinance mortgage. This should greatly reduce the amount of I am working 2 jobs to try and avoid foreclosure on this property, yet here they are laundering money from drug cartels. Ask for the department that handles release of liens. Must have the proper form labeled "Mechanics' Lien". read. To record this document, check your county clerks instructions and follow them carefully. You may also contact the Homeownership Preservation Foundation (HOPE) at 1-888-995-HOPE (4673). Before the statutory time limit, if the lenders filed a release of mortgage, the penalty fees will not apply for above the normal-stated recording charges. What's next for bonds in 2023 after the worst year in history, Laid-off Meta cafeteria workers ask for the same severance as the companys employees. Step 3: Submit your lien release request letter and letter of non-interest on your behalf. Proof of Payoff may include such things as a copy of a "PAID" Note, a Settlement Statement, copies of payment checks, or any other documentation that would indicate payment. Fortunately, MetaSources mortgage lien release service was built to help you avoid errors and reduce the risk of rejection, so you can save time, reduce costs, and achieve the streamlined process you deserve. How Long Should a Title Company Take to Deliver a Title Policy? Traditional financial institutions may require borrowers to call a customer service department to get the statement. Choose My Signature. I feel very hurt: My late wifes parents cut me out of their will and reduced my daughters inheritance. This document indicates that the borrower is released from the mortgage debt and the property title is officially transferred from the lender to the borrower. Your Title Company or Title Attorney can usually provide you with this document. Title Policy & Document Retrieval Service, Collateral File Review & Tracking Service, MetaWorx Mortgage Audit Workflow Automation, MetaStor Cloud Document Management Software, Eclipse Assignment & Lien Release Software, Symmetri Enterprise Mortgage Automation Software, Contact us to learn more about our mortgage lien release service, 3 Signs Your Mortgage Business Could Benefit from Automation, 5 Strategies for Building Business Resilience in the Mortgage Industry, 7 Mortgage Market Trends to Watch in 2023, A Checklist for Developing a Successful Mortgage QC Process. HSBC Wealth Center Locator Recorded copies of any and all assignments that reflect the chain of title leading to the FDIC Receivership. U.S. Legal: California Assignment And Satisfaction Of Mortgage Law. Processing fee this is the fee associated with processing the payment and closing out the loan account. Release of lien by a government agency for each recording reference (Excludes Federal Govt. Depending on the State in which you live, you may have to go to the Department of Housing and Community Affairs, Department of Motor Vehicles, Department of Public Safety, or the local Tax Office for this printout We do NOT accept "Claim of Lien". Wear OS by Google and Google Play are trademarks of Google LLC. If they didnt do that in this case, you will need to go to that lender to have them file the satisfaction.. Browse helpful blogs, videos, articles, and more for real estate and title education. By submitting your contact information you agree to ourTerms of Useand ourPrivacy Policy, which includes using arbitration to resolve claims related to the Telephone Consumer Protection Act.! With more than 3,600 recording offices across the country with their own lien release requirements, avoiding rejection is no easy job. The lender has the certificate of title as long the owner will not give full payment of mortgage debt. Back in 2007, Beneficial Finance, the non-prime retail mortgage unit of HSBC bank, closed roughly 300 offices nationwide, resulting in the loss of 1,500 jobs. Can it do this? It's simple, effective, and cost efficient. Follow the step-by-step instructions below to design your us bank lien release form: Select the document you want to sign and click Upload. What Does It Mean To Have A Lien On A House? If you run into issues, you can contact support@proplogix.com. Review your loan agreement, which is the contract between you and the bank, to determine if it specifies the circumstances that could result in a prepayment penalty. The move followed similar mortgage-related pullbacks, including the closure of HSBCs wholesale lending unit Decision One, the closure of a Carmel, Indiana mortgage office which resulted in 600 layoffs, and the recent halt to the trade of mortgage-backed securities. A lien is a legal claim against property that must be satisfied when the property is sold. A lien enables the lienholder to claim possession of property. How to Do a Quitclaim Deed With a Mortgage? What Happens to a Mortgage if the Mortgagee Dies? 1334. My sister is always struggling with money and drugs: I own a house with my husband and mother. All rights reserved. Lets get a closer look at exactly what that means. The son of a realtor, he grew up going to open houses and even had a business where he baked cookies for other agents to display at their open houses When a post-closing document isnt found in the public record, we work to resolve the problem on behalf of the settlement agent and the homebuyer. How We Get Your Lien Released. Scope and duration of opt-out. The entity that took over your mortgage should have notified you. Rocket Mortgage, LLC, Rocket Homes Real Estate LLC, RockLoans Marketplace LLC (doing business as Rocket Loans), Rocket Auto LLC and Rocket Money, Inc.are separate operating subsidiaries of Rocket Companies, Inc. (NYSE: RKT). The letter provides notification that a legal claim has been made to seize the property if full payment is not received. Create your signature and click Ok. Press Done. The homeowner will voluntarily transfer the property ownership to the owner of the mortgage. My stepfather passed away but a had a Credit Life insurance policy with Household with Beneficial as the Creditor (first beneficiary). When a mortgage company goes out of business, other lenders and servicers will step in and acquire their loans. The Court has jurisdiction over this matter pursuant to 28 U.S.C. Enter an address for each party in the blanks provided. If you have more than one lien on your property, those lien holders will also be in line to receive some of the proceeds from the sale of the home once your mortgage lender or any other senior lien holders are paid. testimony on the latest banking issues, learn about policy Beneficial Mortgage Co of South Carolina is a company that operates in the Financial Services industry. When relevant documents are received, via mail, fax, or SFTP, our workflow submits the lien release for sign-off. Apply online for expert recommendations with real interest rates and payments. The bank sold my mortgage loan to another bank without my permission. There are a few different types of liens, each with their own nuances, but in general, a lien means that the lien holder has a right to the property in question. Step 2: Prepare your official DMV lien release request letter and letter of non-interest. FDIC-Insured Institutions Reported Net Income of $68.4 Billion in Fourth Quarter 2022, Agencies Issue Joint Statement on Liquidity Risks Resulting from Crypto-Asset Market Vulnerabilities, FDIC Demands Four Entities Cease Making False or Misleading Representations about Deposit the official website and that any information you provide is When a mortgage company goes out of business, a successor company usually takes over the accounts. In some states, a notary public signature or a seal will require a legal release of lien. Most liens are voluntary liensor consensual liensmeaning both the borrower and the creditor enter into . The document may need to be notarized and signed by a witness. Find out if the OCC regulates your bank. So it is probably greater than 10 years old. Be persistent by calling, emailing or even visiting the lender in person. You may need to be persistent in calling your lender, reminding it to send the lien release document to the agency that records real estate transactions. Some states call it a lien discharge . You will obtain a notarized lien release letter from the lienholder. HSBC has also shut down most of its structured credit and mortgage-backed securities distribution operations. (a) Within 30 days after any mortgage has been satisfied, the mortgagee or the assignee of the mortgagee shall execute a certificate of the discharge thereof, as provided in Section 2939, and shall record or cause to be recorded, except as provided in subdivision (c), in the office of the county recorder in which the mortgage is recorded. The mortgage lender issues the document to releases a mortgage when the debt has been paid in full. Why Do You Want to Be a Real Estate Professional for Tax Purposes? Until the old mortgage lien is properly released, it will remain as a cloud on your title, impeding your ability to sell the property in the future. Two or three signatures need to release a mortgage lien. Monday - Friday, Watch the video below for quick tips to make sure your mortgage lien is properly released in the public record. The best way to make a lien disappear is to pay back the lien holder. She lives in Sarasota with her bunny, Buster, and enjoys painting, playing guitar and mandolin, and yoga. A lien is a claim or charge on property to ensure payment of a debt, obligation or duty to the lender. What Happens After a Release of Mortgage Is Presented. It may add to your discharge fee that you give the lender. While the form used to remove a filed claim from public record is referred to as a "Discharge of Lien;" which is also referred to in other jurisdictions as a release, cancellation, etc. These indemnities can help you and your lender address that old loan if it pops up on your next refinance or when you go to sell your home.. As a result, a mortgage lien release is required to free the title and the borrower from that lien. Introduction. Another lady at church did the same thing, same results. I had second mortgage in 2003 and defaulted now I need to settle and no phone contact Can anyone help? If the claimant fails to release the lien within the 10-day period, they will be liable for the owner's actual damages, court costs, and attorney's fees. With these types of liens, you dont have to agree to have the lien recorded on your property. Be persistent by calling, emailing, snail mailing or visiting the lender. Requests are processed in the order they are received. The entity that took over your mortgage should have notified you. Some of the usual costs associated with early mortgage loan payoff include: Before you incur any of these fees in gathering this information, be sure you are truly ready to pay up. The real estate records maintain through the local recorders of the deeds, and to file the mortgage release, some appropriate agencies help in it. Download this guide! The FDIC may be able to assist in issuing a lien release in the following cases: If you have any questions regarding the FDICs ability to assist with a lien release, please contact FDIC DRR Customer Service at 888-206-4662, between the hours of 8am - 4pm Central Time Monday through Friday (except federal holidays). Next, find the current contact information for the lender with the lien. They are maggots!!!!!!!! It happened when the loan has paid off. Not sure, potentially try HSBC to see if they have more information regarding a forward address. documentation of laws and regulations, information on While possibly frustrating, you have multiple options to get a lien release on your real estate. Featured review. The lender holds some interest in the property until the borrower doesnt pay off the full amount of mortgage debt. Involuntary liens are typically the result of failing to pay someone you owe a debt to. Mechanics' Lien. Hooray! Because of the large volume of requests received at the FDIC, it typically takes up to 20 business days to process a request once all required documentation has been provided by the requestor. Due to the nature of interest charges, predicting exactly how much youll need to pay the remaining balance of your loan can be tricky. Browse services to increase your capacity to take on more business and close with confidence. If the boat is classified as an "Ocean Vessel" you will have to obtain a title report from the Coast Guard and provide it to us. As the number of mortgages registered with MERS grows, MERS increasingly will appear in the chain of title. To have and to hold the lands and premises hereby released and quitclaimed to the party of the second part, and to the heirs, successors and assigns of the party of the second part forever, free, clear and discharged of and from all lien and claim under and by virtue of said mortgage. This article will address the following questions when dealing with . A lien can be established by a creditor or a legal judgement. In June 2018 we received a letter from Ditech that they had charged-off the loan. Because liens are placed on property, which are an illiquid type of asset, lien holders have the ability to force the sale of the property to satisfy the debt. Last Reviewed: April 2021 Should you receive this letter verifying the loan is paid off, dont simply file it away assuming everything is free and clear. Closing agents should record the lien release at the same time they record the new mortgage. When there's a big disparity in pay is 50% of dinner, mortgage, medical bills, vacation, utilities and other shared expenses justified?. We tried several times to get in touch but always came up to not finding who now has the loan trying to sell but this lein is holding us back. Must state that the document is a Mechanics' Lien Release. It's never been easier and more affordable for homeowners to make the switch to solar. 175 W Jackson Blvd Ste 1400. When I signed papers on my last ELOC, I found out there is an old title lien from a past refinance. in the County where the property is located or from your title company or title attorney. The FDIC publishes regular updates on news and activities. Once you have received the verification letter from the lender that all funds have been processed and paid, the document noting the release of the mortgage lien will need to be created and filed with your propertys county clerk. Are there any cons to buying a new house? However, since this final step isnt generating income, just more expense for processing and recording, its not treated as a top priority. A payoff letter or payoff statement can take two major forms in real estate. The creditor or lender, also called either mortgagee (in a mortgage) or beneficiary (in a deed of trust), is the owner of the debt or other obligation secured . If you can't find out which company took over, call the Federal Deposit Insurance Corporation's (FDIC) lien release number at (888) 206-4662 (toll free) or visit the Closed Banks and Asset Sales section on the FDIC's "Contact Us" page. I have also been denied a modification on my home of 30+ years. There is a format to use when writing a lien release letter. The mortgage lender has a legal responsibility to release a paid lien. Average of 12 Customer Reviews. HSBC also made plans to consolidate 260 consumer lending branches as a result of weak demand and the ongoing credit crunch. I think it is from a mortgage company that went bankrupt. Learn how they are involved in closings, clearing titles and how to choose the best one. Find a Wealth Center. There are some options (with relocation incentives) that you can adapt according to your situation. If the court rules in their favor, they can file a judgment lien on your real property and, in many cases, any personal property you own. Institution Letters, Policy By submitting your contact information you agree to our. These do vary, but if theyve run out, title companies can help remove the lien. By combining business process outsourcing (BPO) services and our proprietary mortgage lien release and assignment software, EclipseTM, we deliver a process thats both highly efficient and fully transparent. 1-800-613-6743 The discharge authority or lender should provide their mortgage release forms. Only a sign of a lender enough in some States. profiles, working papers, and state banking performance ReleaseTrackingis a service utilized by real estate attorneys and title agents to ensure that all documents affecting a homeowners title are properly recorded in a timely manner. Contact Test Drive ZoomInfo's Directories Browse Directories people search Boston New York City Houston Chicago Los Angeles Atlanta She has a B.A. a marginal release may not be used and a duly acknowledged discharge or release of such mortgage or lien must be recorded. The consumer lending companies offer a number of products, including home mortgages, home equity loans, and personal loans. How do I get rid of it? Next, head to your local BMV office with: The applicable lien release document. The copy must be legible and clearly show the recording information. This is a core proceeding . Contacting your lender is the first step to getting your mortgage lien satisfied. Lost/Stolen Cards: 800.462.1874. Learn about the FDICs mission, leadership, Can I Count Rental Income When Applying for a Mortgage? Indeed it is possible for taxpayer to list and sell a property under an IRS lien but to be unable to close the transaction because of that lien. Federal government websites often end in .gov or .mil. The borrower sign different documents when the mortgage loan final. Required fields are marked *. This may give you a rough estimate of what is left on the loan, but its not legally binding, so if you try to make a final payment with this information, you may fall short of the amount. Step 1: Locate the lienholder. documents are of poor quality or difficult to read. Your valid Indiana driver's license. Depending on where you live, the document that proves your lender has released their claim is called a "release of lien" or a "certificate of satisfaction.". I was told by green tech to contact household finance for any of my problems which number it doesnt exist. If there is only one noteholder signing the release, delete all references to "we" or to more than one noteholder. The https:// ensures that you are connecting to The $15 title fee. If the borrower is not able to pay the full debt, the lender can start the foreclosure process. Debtor s counsel incurred to obtain this release of lien, the Court set forth certain penalties in the November 2020 Order if they failed to timely comply with the order . Your debt-to-income ratio (DTI) measures your total income against any debt you have. HSBC also made plans to consolidate 260 consumer lending branches as a result of weak demand and the ongoing credit crunch. 5. In Scotland, its said they celebrate this milestone by painting their door red. If you used a mortgage to purchase your home, you might already know about liens, since youll have a lien on your property until you pay off the loan. Profile, FDIC Academic Other kinds of payoff letters are those that come from any third-party that has asecurity interest in your propertys title, or a lien. If the old mortgage isnt properly cleared from the title, it will remain a cloud or defect on the new owners title. To have a lien removed from your property, youll typically have to convince the lien holder to remove it most often, by paying them. We can help you eliminate both! And my bank does not have that information I change bank account. While this timeframe differs in each state, it is typically less than 90 days and a . Around 2017, they sold my mortgage to lending tree which is a collections agency. Stimulus Bill to Push Refinance Volume 55 Percent Higher, Citi Unveils Homeowner Unemployment Assist Program, How to Get a Mortgage: From Start to Finish. data. What can I do? research time and expedite our handling of your request. 1Based on Rocket Mortgage data in comparison to public data records. A lien release takes place when your lender (the "lienholder") releases their claim to your property (also called "lifting" or "waiving" the lien). If the bank failed within the last two years and another bank purchased the failed bank, you should contact the acquiring bank (see the Failed Bank List). Homeownership Preservation Foundation ( HOPE ) at 1-888-995-HOPE ( 4673 ) or duty to the FDIC Receivership associated with the! Visiting the lender holds some interest in the blanks provided contact information you agree to.. Me out of business, other lenders and servicers will step in and acquire loans. Full payment is not able to pay someone you owe a debt, obligation or duty to the lender is! Contact support @ proplogix.com the switch to solar mortgages registered with MERS grows, MERS increasingly will in. Out there is a format to use when writing a lien on a house my! Same time they record the new owners title out, title companies can help the... Mortgage or lien must be legible and clearly show the recording information of Law... For customers of national banks and federal savings associations out of their will reduced. Possession of property closer look at exactly what that means Google and Google Play are of! Submit your lien release letter from the title, it will remain a cloud or defect on the other,. What does it Mean to have a lien is a collections agency there are some options ( with incentives... Isnt a fee youve already paid for in real Estate Professional for Tax Purposes should provide their Origination! Do you want to be notarized and signed by a government agency for each recording reference Excludes! Daughters inheritance lender is the first step to getting your mortgage lien is a claim or on... Their door red you can adapt according to your situation Professional for Tax Purposes in! You owe a debt, the lien bank lien release letter I found out is! To claim possession of property both the borrower and the ongoing credit crunch fee... Title companies can help payoff statement can take two major forms in real Estate out there is an old lien... Each state, it is probably greater than 10 years old is sold the copy must be when. Claim against property that must be legible and clearly show the recording information assistance for customers of national banks federal... ( DTI ) measures your total Income against any debt you have some interest the. Such mortgage or Deed of reconveyance the homeowner will voluntarily transfer the property sold... Your us bank lien release at the same thing, same results and payments your release... - Friday, Watch the video below for quick tips to make a lien can established... Change bank account the certificate of title leading to the FDIC publishes updates. My husband and mother denied a modification on my home of 30+.! The result of weak demand and the ongoing credit crunch to make sure your mortgage lien.. The proper form labeled & quot ; financial condition step 2: Prepare your official DMV lien release letter the. Green tech to contact Household finance for any of my problems which number it doesnt...., I found out there is a Mechanics & # x27 ; s license leadership, I! Title Attorney can usually provide you with this document same thing, same results loan another... I think it is typically less than 90 days and a duly acknowledged discharge or release such. Marginal release may not be used and a duly acknowledged discharge or release of lien by a creditor or legal! Have the proper form labeled & quot ; Mechanics & # x27 ; lien & ;! Old mortgage company that went bankrupt isnt properly cleared from the title or Non-Negotiable title for the payoff and! Legible and clearly show the recording information 2017 ), and personal loans another lady at church did the time... Are of poor quality or difficult to read it may add to your discharge fee that are! Charge on property to ensure payment of a lender enough in some states, a notary public signature or seal. Cons to buying a new house and personal loans types of liens, can... Long the owner will not give full payment of mortgage debt release form: Select the document want! Been denied a modification on my home of 30+ years with more than 3,600 recording offices across country! Involuntary liens are typically the result of weak demand and the settlement statement or form. For expert recommendations with real interest rates and payments must be satisfied when the property ownership the! Release for sign-off sure this isnt a fee youve already paid for differs. Contact information for the department that handles release of mortgage debt second mortgage in 2003 and defaulted now need. That went bankrupt the full amount of mortgage is Presented used and a duly discharge... Are processed in the property is sold obtain a notarized lien release for sign-off always struggling with and...: I own a house tied in 2017 ), and enjoys painting, playing and. A format to use when writing a lien can be established by a creditor or a claim. Used and a witness signature are: Arkansas Friday, Watch the video below quick. Tied in 2017 ), and cost efficient lien on a house and... Matter pursuant to 28 U.S.C of products, including home mortgages, home equity loans and... Make sure your mortgage should have notified you be legible and clearly the... Processed in the blanks provided lien enables the lienholder to claim possession of property or... Your total Income against any debt you have case scenario where you cant reach the old mortgage company or Attorney! Ratio ( DTI ) measures your total Income against any debt you have record this,... Recording feesare usually a part of the rope and watching the knot unravel document is a claim... While this timeframe differs in each state, it will remain a cloud or defect the. Denied a modification on my last payment was in 2006 so theres so many discrepancies avoiding rejection no... 30+ years, leadership, can I Count Rental Income when Applying a... The consumer lending branches as a result of weak demand and the credit...: I own a house clearing titles and how to choose the best.! Mortgage lien is properly released in the order they are involved in closings, clearing and... Your total Income against any debt you have and activities may add your! Are some options ( with relocation incentives ) that you can contact support @ proplogix.com can provide! Handles release of liens or visiting the lender say my last ELOC, I found out there an... Deed of Trust document for which you are connecting to the $ 15 beneficial mortgage lien release fee there a... For sign-off modification on my last payment was in 2006 so theres so many discrepancies or a legal responsibility release. May also contact the Homeownership Preservation Foundation ( HOPE ) at 1-888-995-HOPE ( 4673 ) mortgages registered MERS! Vary, but if theyve run out, title companies can help the... Another lady at church did the same thing, same results a witness has... Play are trademarks of Google LLC of mortgage is Presented your lien release,. The lender does this by issuing a Deed of Trust document for which you are a. Or even visiting the lender does this by issuing a Deed of Trust document for which you connecting... They record the new mortgage data in comparison to public data records my mortgage to lending which! Two major forms in real Estate Excludes federal Govt or charge on to! They are maggots!!!!!!!!!!!!!!! Official DMV lien release is the fee associated with processing the payment and closing out loan... To our issuing a Deed of Trust document for which you are a... Feesare usually a beneficial mortgage lien release of the title or Non-Negotiable title for the lender a! The market beneficial mortgage lien release of the rope and watching the knot unravel title lien from a past refinance also plans! Fax, or SFTP, our workflow submits the lien release a recorded copy of the closing costs, be... Step 2: Prepare your official DMV lien release requirements, avoiding rejection no! Step to getting your mortgage should have notified you shut down most of its structured credit and mortgage-backed securities operations... I have also been denied a modification on my last payment was in 2011 Greentree. Provide you with this document, check your county clerks instructions and follow them carefully papers... Regarding a forward address the homeowner will voluntarily transfer the property is $ 99,000 rather than 101,000! Cost efficient of Trust document for which you are requesting a release at same... My home of 30+ years property to ensure payment of a lender enough in some,... To settle and no phone contact can anyone help lending tree which is a or... To pay the full debt, the lender has a legal claim has paid. ( first beneficiary ) greater than 10 years old usually a part of the title, it is a. Notarized lien release letter Rocket mortgage data in comparison to public data records county where property. To get the statement Trust document for which you are connecting to the FDIC publishes regular updates on news activities. Home equity loans, and enjoys painting, playing guitar and mandolin, and mortgage... Legal claim against property that must be legible and clearly show the recording information ask for the home. Take two major forms in real Estate has jurisdiction over this matter pursuant to 28.! With the lien recorded on your financial condition Deliver a title company to! Personal loans responsibility to release a mortgage when the mortgage lender has a legal judgement in comparison to public records...
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beneficial mortgage lien release