{"id":782,"date":"2019-12-01T03:00:24","date_gmt":"2019-12-01T08:00:24","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=782"},"modified":"2024-04-25T23:20:32","modified_gmt":"2024-04-26T03:20:32","slug":"the-golden-years-with-a-paid-off-mortgage","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/the-golden-years-with-a-paid-off-mortgage\/","title":{"rendered":"The Golden Years, With a Paid-Off Mortgage"},"content":{"rendered":"\n
\"Image<\/figure><\/div>\n\n\n\n

We’ve talked about scams, and the risks that can be involved in delegating a power of attorney to another person. Now, let’s uplift the mood. Visualize the day you submit that very last mortgage payment.<\/p>\n\n\n\n

Congrats! Your\ndebt is satisfied.<\/p>\n\n\n\n

Your certificate\nof satisfaction can now be recorded in the county where your home is. If your\nhome is in a deed of trust state, the deed of trust now comes off your\ntitle. A deed of\nreconveyance<\/em> is the deed of trust state’s equivalent to the deed of\nrelease of mortgage.<\/p>\n\n\n\n\n\n\n\n

Within 20\ndays after your final payment, the lender will refund any reserves held to\ncover your insurance and property taxes, and close the escrow account.<\/p>\n\n\n\n

Now, your\nfinancial load is lighter. With no mortgage to pay, more of your money is\navailable for other plans.<\/p>\n\n\n\n

From this day forward, there’s no lien on your home. So you’ve also resolved one of the biggest risks in your retirement plan. <\/p>\n\n\n\n

Documents,\nInsurance, Taxes, Dreams… Check!<\/h2>\n\n\n\n

Here’s what\nto watch for after you’ve submitted that auspicious final payment.<\/p>\n\n\n\n

  • Three to four weeks after payoff, look for your certificate of satisfaction in the mail, and a statement showing your balance of\u2014drum roll, please\u2014zero. <\/li>
  • Check to see if your lender files a certificate of satisfaction with your county government. If your lender’s office does not handle this, submit a request to the county to release the mortgage lien from your title. Expect to pay a fee for this service. <\/li>
  • Then, obtain your copy of the recorded release from the loan servicer or the county recorder.<\/li>
  • You’ll still receive tax statements for your property. From now on, you will pay the taxes directly to the local treasurer\u2019s office. If you pay your full property tax bill at the start of the year, you may receive a significant discount.\u00a0 <\/li>
  • Inform your home insurance provider that there is no longer a mortgage lender on the policy. Now, you control your policy. Set your payment page up to automatically pay the premiums from your account. <\/li><\/ul>\n\n\n\n

    Take a look\nat your credit score, too. It’s normal for scores to take a small dip\nafter one scheduled loan repayment leaves the mix.<\/p>\n\n\n\n

    Speaking of\ncredit, this is a great time to pay off any credit card debt. You can take\nthe opportunity to make major purchases that you might have put on\ncredit when you had mortgage payments due. Assuming your cash reserve is\nhealthy, this can also be a time to turn lifelong goals\u2014family time,\ntravel, scholarship, creative pursuits and dreams\u2014into realities.\n <\/p>\n\n\n\n

    Conundrum:\nPaying the Mortgage Off Early <\/h2>\n\n\n\n

    Should I, or\nshouldn’t I? It’s a perennial question. The answer is: It all depends.\nYet there are clear pros and cons. See which one best suits your\nsituation.<\/p>\n\n\n\n

    Why\nIt’s Fabulous to Pay Off the Mortgage Early<\/h3>\n\n\n\n

    For priceless\npeace of mind (or if you’re thinking of selling), pay off\nyour mortgage early. If you’re one of millions of people who take a\nstandard deduction at tax time under today’s large allowance, you won’t\nlose the benefit of mortgage interest deductions.<\/p>\n\n\n\n

    In\nsome states, your early payoff will qualify you for a higher homestead\nexemption, shielding more of your home equity from potential\njudgment creditors. Do you have any concerns about potential litigation?\nHave you just turned a hobby into a small consultancy business, for example?\nThen you have extra exposure to liability, and reasons to protect your home\nfrom judicial orders. You also need to protect yourself against unexpected\nmedical debt. So, check the homestead exemption in your state, and consider the\nramifications.  <\/p>\n\n\n\n

    Life throws\nthe unexpected at us, and peace of mind might be the controlling factor for\nyou. All things considered, paying off the mortgage relieves you of\nseveral sources of financial stress.<\/p>\n\n\n\n

    Why\nIt’s Wonderful to Leave Your Mortgage on Its Regular Timeline<\/h3>\n\n\n\n

    On the other\nside of the coin, a mortgage has a low rate of interest. You might opt to leave\nyour mortgage on its normal timeline, and put any extra money into stocks,\nwhich have, in recent years, fetched better returns than savings from the\ntypical early mortgage payoff. There’s a big X factor here, of course, and\nthat involves how the market performs in the\ncoming years. No one has a crystal ball.<\/p>\n\n\n\n

    During\nperiods of inflation, a fixed-rate mortgage becomes especially cost-effective. <\/p>\n\n\n\n

    Another\nbenefit to letting your mortgage play out normally is access to more\nmoney in your accounts. This follows a basic rule of investing: diversification.\nShould real estate values take an unexpected drop, it’s good to have other\nsources of wealth. And you may need to turn to your cash reserve for life’s\nother unexpected twists and turns. An ample reserve will keep you from having\nto try to access your home equity or take on an additional loan.<\/p>\n\n\n\n

    So, it all\ndepends. Paying the mortgage faster boosts home equity, whereas cash\nis a liquid asset. Both are valuable, and each is more valuable to some\nhomeowners than to others. <\/p>\n\n\n\n

    The\nMain Thing: Planning Ahead<\/h2>\n\n\n\n

    Are you near\nthe end of the tunnel on your mortgage? There’s no time like the present\nto call your lender and get ready for the transition. Your lender may offer\nsome helpful advice on reducing your remaining interest, by knowing just when\nand how to make that final payment. Learn how your lender handles your\ncertificate of satisfaction. Plan out your taxes and your insurance\npayments. Decide how you’ll reallocate your spending. <\/p>\n\n\n\n

    Golden. It’s\nthe perfect word for the time when you own your own place, free and clear of\nthe mortgage company’s lien. Enjoy.<\/p>\n","protected":false},"excerpt":{"rendered":"

    We’ve talked about scams, and the risks that can be involved in delegating a power of attorney to another person. Now, let’s uplift the mood. Visualize the day you submit that very last mortgage payment. Congrats! Your debt is satisfied. Your certificate of satisfaction can now be recorded in the county where your home is. If your […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[107],"tags":[],"class_list":["post-782","post","type-post","status-publish","format-standard","hentry","category-elder"],"yoast_head":"\nThe Golden Years, With a Paid-Off Mortgage - Deeds.com<\/title>\n<meta name=\"description\" content=\"Now, your financial load is lighter. 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