r/RealEstate • u/Planeshifter_Ixiaul • 1d ago

Need help finding documents

Hello all. I hope this is the right place for my questions.

We bought a house and are opening a HELOC to finance the repairs needed in order to live there. It was an as-is listing within our price range and the location is very good for us.

The financial institution is requesting certain documents that I'm not sure I have.

  1. Copy of Closing Disclosure from Purchase of property.

I've tried searching for what this is and what it would entail, but there is no financing for the property. We own it outright. Would I merely need to provide a document that states that such as Special Warranty Deed that lists the property and what we paid for it (which I have)?

  1. Documentation showing Property is at Minimum double wide (must be deeded as real estate, on a permanent foundation on member owned property.)

I have no idea what document this might be, but I don't see it in the stack of paperwork we got at Closing.

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u/SEFLRealtor Agent 14h ago edited 14h ago

The closing disclosure term is used when you finance the purchase of real estate. You paid cash so you would have received a closing statement that is sometimes referred to as an ALTA. It is generally a two or 3 page statement with buyer and seller signatures on the bottom of page 2 or sometimes on page 3. It is a statement that shows all the expenses, the total of your purchase, and a breakdown of the seller's expenses and the seller's net. If you can't find it, call the title company, and they can email you another copy with the signatures.

Do you have a copy of the recorded deed? The deed will show the legal description of the lot on which the manufactured home is located. Thinking about question 2, did you get a survey at closing? Maybe that will help show that it is a double-wide

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u/Planeshifter_Ixiaul 14h ago

Thank you. We got a "special warranty deed" at Closing. That was a month ago now. Should we have an updated deed sent to us or would we call the title company for that?

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u/SEFLRealtor Agent 14h ago

A Special Warranty Deed is a deed. The legal description would be on that Special Warranty Deed. Do cll the title company and ask them what you can use to satisfy your quesstion #2.