Equity Loan:  a loan contract made against the equity in owner's property; in effect, this is a second mortgage on a home.

Federal Lien:  an encumberance on property placed by the government for some debt or obligation. Federal liens, releases and discharges are recorded and filed.

Financing Statement:  a standardized, national method of recording commercial transactions as secured transactions through assignment, continuation, partial release and termination statements.

Honorable Discharge:  a formal final judgement and declaration by the government that an individual has left military service in a status of honor.

Institutional Lien:  an encumberance filed by an institution as security for a debt or obligation incurred by a client.

Lis Pendens:  a notice filed on public record for the purpose of warning all persons that the title to certain property is in litigation and that they may be bound by an adverse judgement.

Maps:  original and translucent maps of minor and major subdivisions within municipalities of the County are filed.

Mortgage:  a written contract by which one person binds the whole or part of their property in favor of another. Mortgages, tax sales, modification agreements, postponement of mortgages, redemption of tax sales, discharge of mortgage and assignments are recorded and returned; mortgage cancellations are cancelled and returned.

Notice of Settlement:  a document recorded prior to closing of title to notify prospective purchasers of an impending sale and/or a mortgage committment. A notice expires 45 days after filing.

You may contact us via our e-mail address: contact essexreg@nac.net.