An Affidavit of Title certifies that, since the contract date, there are no judgments, bankruptcies, or divorces and that there are no unrecorded deeds or defects known to the affiant, and that the affiant is in possession of the property. Which statement best describes this item?

An Affidavit of Title certifies that, since the contract date, there are no judgments, bankruptcies, or divorces and that there are no unrecorded deeds or defects known to the affiant, and that the affiant is in possession of the property. Which statement best describes this item?

• A. Absence of judgments, bankruptcies or divorces, no unrecorded deeds, and possession.
• B. Property tax payments.
• C. Environmental liens.
• D. Mortgage details.

Answer: (A)

An Affidavit of Title is a sworn statement used at closing that confirms the seller’s protection of the title and possession, and it discloses any known issues that could affect the transfer. The described items—no judgments, bankruptcies, or divorces since the contract date; no unrecorded deeds or defects known to the affiant; and the affiant’s possession of the property—are exactly the assurances such an affidavit provides. This focuses on title status and occupancy to reassure the buyer and lender and to support title insurance, rather than addressing unrelated items like property tax payments, environmental liens, or mortgage details. In short, it communicates the seller’s sworn claim about the state of the title and possession at the time of transfer.

An Affidavit of Title is a sworn statement used at closing that confirms the seller’s protection of the title and possession, and it discloses any known issues that could affect the transfer. The described items—no judgments, bankruptcies, or divorces since the contract date; no unrecorded deeds or defects known to the affiant; and the affiant’s possession of the property—are exactly the assurances such an affidavit provides. This focuses on title status and occupancy to reassure the buyer and lender and to support title insurance, rather than addressing unrelated items like property tax payments, environmental liens, or mortgage details. In short, it communicates the seller’s sworn claim about the state of the title and possession at the time of transfer.