Mortgage Glossary
Chain of Title
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Chain of title is the chronological record of every owner of a property from the earliest record to the present.
What Chain of Title means
A clear, unbroken chain proves the current seller has the right to convey. Gaps or defects must be resolved before clear title can pass.
Florida example
A Florida title examiner traces the chain of title and finds an old deed never properly recorded. Fixing the gap ensures the buyer receives marketable title backed by title insurance.
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