Bought home, what doc do we need to keep for ROC?

[subwayguy 100]

I'm not sure! we just signed for it a few days ago is it supposed to just arrive in the mail? I thought because the lender technically owns the house until we pay off the mortgage that we wouldn't receive a title!?

hmmmmmm. NO~!

[Roy&Chanel 109]

Wow this is very informative, thanks to OP for posting this topic!

Good to know before purchasing a house.

Does anyone knows how Georgia state works?

Something I must be aware and take note of in few years time.

Anyway congrats OP! buying a house before ROC thats really fast! Lucky and envious that you have the money! I must work hard on finding jobs and saving up!

[NikLR 13,227]

Ours was a VA loan so that helped.

[JNC09 5]

hmmmm you didn't get documents at closing????Of course you did, send them the closing packet.

No. Please read above comments. I am trying to work out which document USCIS need. i have about 200 docs and doubt they want them all.

[JNC09 5]

Thanks everyone, glad this helps others! I emailed my lender and i have a warranty deed, this is what they want to see, and mortgage payments too. I found out when i pay it all off is when we get the Title! I am in the state of Texas so it differs in other States

[Adil & Jeanne 296]

You would have a deed mailed to you within a few days (allow more as we have a holiday weekend)

also you have signed mortgage papers in both names

change of address at post office for you both / make out the form and copy it before you turn into the post office

utility bills for the new house in both names

Congratulaitons

Edited June 30, 2016 by Adil & Jeanne

[David & Diana R 1,005]

We just bought our first home! yay. I just looked through the documents and i'm not really finding a document that i can submit to prove we bought a home together, we don't have the title as we have a mortgage. the only doc i have is the mortgage payments. is this enough? Am i supposed to have a deed?

You certainly have a complete copy of your mortgage. Make a copy and submit the entire thing. Not just one page! We did and no problems. Of course, we were co-borrowers so both our names are on the mortgage documents on most every page.

I'm not sure! we just signed for it a few days ago is it supposed to just arrive in the mail? I thought because the lender technically owns the house until we pay off the mortgage that we wouldn't receive a title!?

You don't need a title. The bank by law was required to provide you with a complete copy of every document you signed. You must have that. That's all you need.

Edited July 1, 2016 by David & Zoila

[Girl from Celebes 588]

I guess everyone is different then. My husband bought our new house and we got our deed/title with both of our names on it. Since we have build a new one, we got all of our names together from contract agreement with our realtor, meeting with the design center and even if there was any change of our selections from the house.

We went meet the security title company, signed the document with both of our names on it. We got our house recorded after the last payment my husband made and moved in that day. We got the deed a week later. I don't know why you don't get your deed. I have no idea correlation between a deed and a mortgage since my husband paid cash for the house maybe that's why we have our deed on hands.

[D R C 2]

I sent in a copy of our HUD-1 settlement document (should have gotten this at closing) as well as statements of our maintenance fees listing both my wife and I as owners of our property.