Borrower Liens & Judgements
Identify existing liens, judgments, and public records that could affect loan eligibility or property transactions.
Comprehensive Public Records Search for Complete Risk Assessment
This essential service helps prevent closing delays and post-closing surprises by uncovering public records information early in the lending process, allowing time to address issues before they derail transactions.
Key Features
- Nationwide Coverage: Search public records databases across jurisdictions
- Updated Databases: Access to current public records information
- Clear Reporting: Easy-to-understand presentation of findings
- Multiple Record Types: Tax liens, civil judgments, bankruptcy indicators, and more
- Integration Ready: Results flow directly into your loan files
- Compliance Support: Documentation for underwriting requirements
What We Search
- Tax Liens: Federal, state, and local tax liens that may affect the borrower or property.
- Civil Judgments: Court judgments that could impact borrower creditworthiness or create additional obligations.
- Public Filings: Other relevant public records that may affect the lending decision.
How It Works
Our liens and judgments search queries multiple public records databases to compile a comprehensive view of any recorded obligations. Results are delivered in a clear report format that highlights any findings requiring attention, while clean searches provide confidence that no hidden obligations exist.
Use Cases
Purchase Transactions:
Ensure clear title and no surprise liens before closing.
Refinance Applications:
Identify any new public records since the original mortgage.
Risk Assessment:
Complete the credit picture with public records not appearing on credit reports.
Why SettlementOne
Keep Every Loan Moving Forward
SettlementOne empowers lenders with trusted credit and verification solutions that simplify workflows and reduce borrower risk so you can focus on closing with confidence.