How to Record a Mortgage in Fairfax County, VA

By DB Jenkins

Home mortgages are long-term debts secured with the value of a piece of property--including all structures. In most cases, mortgages must be secured with a Deed of Trust or a Mortgage document. Once a loan is closed, it is the obligation of the lender (usually through a title company) to record the original copy of the mortgage agreement. Once the document is recorded, it is a legally binding document that can be used as evidence in case of default. Recording this document in Fairfax County, VA is quite simple.

Obtain the original copy of the mortgage agreement. At mortgage closings, there are always at least three signed copies of this agreement--one for you, the borrower, one for the lender (for record-keeping) and the original mortgage agreement. The original mortgage agreement needs to be recorded.

Collect the recording fee either from the title attorney or from the lender if you paid it as part of your closing costs. Recording fees usually run no higher than $100, and often are much less. However, this fee is often passed on to you, the borrower. This fee is reported on the HUD 1-A document you signed at closing.

Review the original document for inaccuracies. Once recorded, it cannot be amended without a quitclaim deed. Pay close attention to the spelling of names and dates. Contact your lender if you find any errors.

Bring the original mortgage to the Registry of Deeds in Fairfax County, VA. You will need to speak with an abstracter. This is the person who will actually record the mortgage in the official books. Pay the recording fee.

Collect the actual book and page number where the mortgage document is recorded. It is now a legal document.

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