FHA Loan Recording Process

The recording process is when the legal binding loan documents you signed and notarized are taken to the county recorders office for recording. The actual recording is simply, when your documents are time and date stamped by the county recorders office and recognized and filed as an official public document.

The recording process usually takes place 24hrs - 48hrs after your loan has been funded and the electronic wire confirmed. In some places you may receive a "special recording" or a same day recording.

At this point, the loan is finalized and closed. You should typically receive your first payment coupon for your new mortgage payment within 2-3 weeks of recording.

If your transaction was a refinance, you may receive a refund from your previous lender of the previous escrow impound account balance as well as possible credited prorated interest.

If you paid-off an existing FHA loan you may be entitled to a prorated HUD refund of the MIP (Mortgage Insurance Premium). Use this link to go to HUD's MIP refund search page Here.

Now that you know about the loan process, learn how much of a FHA loan you can qualify for Here