🐐Payoff Roulette: State Laws That Shield (or Screw) Title Agents Post-Closing

Which states protect title agents from lender payoff rejections after closing—and which leave them legally exposed? The answers may surprise you. (Members-Only Legislative Roundup)

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You already know the nightmare:

the wire was sent, the loan was marked paid, and the closing table is long packed up—only for the lender to come back days or weeks later with a surprise invoice, a refusal to release, or a threat to reject the payoff entirely.

We unpacked the real-world fallout in our public article, “Closing Isn’t Closure: When Lenders Rewrite the Rules After the Deal is Done.” But here’s the deeper cut: some states have your back—and some leave you legally exposed with no recourse.

This exclusive members-only guide dives into the laws already on the books in key states like Florida, Wisconsin, Texas, North Carolina, California, and Pennsylvania. We break down the statutes that limit lender gamesmanship, protect timely payoffs, and allow title agents to rely on estoppel letters without losing sleep.

Title agents are tired of being the industry scapegoats—especially when lenders pull payoff bait-and-switches. Some states are finally stepping up with laws that force lenders to honor payoff statements.

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Subscribers, scroll down to find out how the states are protecting you…

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Click More articles about Mortgage Payoffs…

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Stay Wicked,
Cheryl

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