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Wow thanks Mike! I've always wondered about the mystical "settlement" process. I'm thinking i should generate a simple diagram showing the entire property transaction process and post it back to the forum! Who actually holds the property title? Office of State Revenue or Land Titles...

I am curious to know... exactly what happens at settlement when a mortgage is involved? I think my pea sized noggin can follow the idea of a contract between buyer and seller (or mortgage provider and buyer), but what legal documents are prepared and who are they held by when a mortgage is...