Security instruments are documents recorded in the office of the Register of Deeds to provide an interest in real property to secure payment or performance of obligation. When a document such as a deed of trust or mortgage has been paid, a satisfaction document is filed in order to release the debt against the property.
A copy of the North Carolina Mortgage Satisfaction Act SL 2005-123 SB 734, effective October 1, 2005 may be obtained at:
There are several methods of satisfaction:
Effective October 1, 2011 per Session Law 2011-246 (H312): we will no longer accept the original security instrument and notes endorsed by the creditors or trustees.
The Trustee or Substitute Trustee may submit a “Trustee’s Satisfaction,” which must be signed by the Trustee or Substitute Trustee and acknowledged by a Notary Public. This document must contain all the information required by N.C.G.S. 45-36.20 and 45-37(a)(7).
Certificate of Satisfaction or Satisfaction of Security Instrument may be filed, which must be signed by the beneficiary or secured creditor and notarized by a Notary Public. This document must contain all the information required by N.C.G.S.45-36-10 and 45-37(a)(7).
A North Carolina licensed attorney may submit an Affidavit of Satisfaction, signed by the attorney. This affidavit must be notarized.
NO FEES ARE REQUIRED TO FILE A DOCUMENT OF SATISFACTION.