recorder's office

Mortgage Loans Repaid

When a mortgage loan is repaid by the borrower, a loan document called a reconveyance is filed with the recorder's office.

This means that the original deed of trust is being reconveyed by the lender to the borrower, relinquishing the lender's claim on the property.

A reconvenance will be listed in the recorder’s index under the name of the borrower, but that listing will not include the name of the lender.

Similarly, a reconveyance will be listed in the recorder's index under the name of the lender, but that listing will not include the name of the borrower.

(The reason the lender and borrower aren't listed together in the index is is because there's an intermediary on a mortgage loan called a trustee who handles the filing of the reconveyance and the transfer of the property to the borrower)

Since one person may take out multiple loans, there's no way to know from the index listing for a reconveyance which loan the person is repaying.

You will need to look up the full reconveyance document to determine which loan is being repaid. On the reconveyance document look for a recorder's document number for the original deed of trust/mortgage loan that is being repaid through this reconveyance.