29 Aug 2022

How do you prove your house is paid off?

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If you still have an outstanding balance on your mortgage you will need to obtain a payoff statement from your mortgage lender. This will show the outstanding balance of your loan, as well as any interest and fees that are due. Once you have this information, you can write a check for the full amount and send it to your lender. Be sure to include your account number and loan number on the check, and write “paid in full” in the memo line. Your lender will then process the payment and send you a satisfaction of mortgage form, which you will need to sign and return. This officially releases you from your mortgage obligations. Keep in mind that you may be responsible for paying any remaining property taxes and insurance, as well as any HOA or condo fees.

If you have already paid off your mortgage and need proof, there are a few things you can do. One way to do this is to look at your mortgage statement and see if you have a paid-off balance. You can also contact your lender and ask them for a paid-off statement. If you have fully paid off your mortgage, you may also be able to obtain a copy of your mortgage discharge statement. This document is typically provided by your lender when your mortgage is paid in full. Another way to prove that your house is paid off is to check your property tax records. This will show if there are any outstanding tax liens against your property. Lastly, you can also check your homeowner’s insurance policy to see if it lists your home as being paid off.


If you paid off your balance, check the paperwork you received. If you don’t have that, reach out to your mortgage provider.

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