Overview
The Mortgage Information feature pulls existing lien data from public records and displays it directly within a property card. This saves you time when researching a property's financing history, helping you understand what type of loan the current owners have, when it was originated, and who closed the deal. It's especially useful when you need to track down property tax bills or verify ownership details.
Before You Start
Requirement | Details |
Property card open | Navigate to the specific property you want to research |
Public records available | Data displays only if public records contain mortgage lien information for this address |
Step-by-Step: Accessing Mortgage Information
1. Open the Property Card
Navigate to the property you want to research and open its property card view.
2. Locate the Mortgage Information Button
Find the Mortgage Information button within the property card interface.
3. Click to View Lien Data
Click the button to retrieve available mortgage information from public records.
⚠️ Important: Not all properties will have mortgage data available. If no information displays, public records may not contain lien data for this address.
Understanding the Data Displayed
When mortgage information is available, you'll see details for up to the two most recent loans on the property.
Field | What It Shows |
Owner Name | The recorded owner(s) at the time of the mortgage |
Loan Type | The mortgage program used (FHA, VA, Conventional, etc.) |
Interest Rate | The average rate for this loan type during the origination month (not the exact rate from the security deed) |
Original Balance | The initial loan amount at closing |
Lender | The company that closed the loan |
💡 Tip: The interest rate shown is a market average for that loan type and origination period, not the borrower's actual contracted rate.
Practical Uses
Finding Property Tax Bills
If you're having trouble locating a property tax bill by address alone, use the owner name from the mortgage information to search the county tax assessor's records.
Understanding Current Financing
Knowing the existing loan type helps you have informed conversations about refinance options or assumptions (especially relevant for FHA and VA loans).
Verifying Ownership
Confirm property ownership details when preparing loan scenarios or verifying client information.
Quick Reference
Open Property Card → Click Mortgage Information → Review Loan Details (up to 2 most recent)
Tips for Success
Use owner names for tax research—if address searches fail, try searching county records by the owner name shown in the mortgage data
Remember rate limitations—the displayed interest rate is a monthly average, not the actual note rate
Check both loans—when two mortgages display, the second may be a HELOC or subordinate lien worth discussing with your client
Cross-reference loan types—knowing a property has an FHA loan can open conversations about streamline refinance options
Related Topics
Navigating Property Cards
Running Property Tax Searches
Understanding Loan Types in Deal Details