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How long to keep mortgage documents

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Closing Documents

Closing documents on a home will consist of the mortgage paperwork, deed and title information. This information should be kept in a secure location for as long as you own your property.

Selling or Refinancing

When selling or refinancing a home, the original mortgage paperwork can be destroyed or disposed of once the transaction is complete. Once a homeowner has completed a sale or refinance, all of the information in the original mortgage paperwork is nullified, and it's no longer legally enforceable.

Bottom Line

According Liz Weston with the MSN Money Website, keeping mortgage documentation should be done for the life of the loan. The life of the loan is the amount of a time a home is owned prior to selling

or refinancing, or until a mortgage is paid in full.


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The typical loan package and papers received at settlement will often require a specific folder or storage method to keep your mortgage.

Mortgage loan documentation is important information that consumers should take extra care in safeguarding. When a mortgage is marked as paid, however.

If you don't know which paperwork you should be keeping, chances are you're keeping far too much. Knowing which paperwork to keep.

How Long Should You Keep Mortgage Statements?.

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