They included notices that the transfers were exempt from transfer tax and stated why they were exempted (check with your local Registrar or your local Attorney on this issue).This doesn't mean that you can use this approach to 'dodge' the DoS Clause.One important thing I've learned is that you really should read and contemplate the meaning of the DoS Clause in your loan documents. 

You might need to contact your local registrar of contractors and see if they can help you get this resolved if the contractor isn't willing to volunteer the repairs to your satisfaction. 

You can have "owner" stuff sent just about anywhere from the county registrar's office.

Offer 25% of the appraised value from your counties registrar of deeds. 

In AZ it is called the Registrar of Contractors, in some other states it's called a Board of Licensing, etc. etc.

Your comments have prompted some further questions:1) How do I know if a "deferral" has been filed on behalf of the homeowner if the County Registrar says they have no copies?

We ended drawing up the contract and QC Deed ourselves and then had it recorded at the registrar of deeds.

Once your lender has told you they've filed the documents, contact your local records office to confirm that their records show your mortgage has been cancelled.If your lender says they don't file it for you, you can file it yourself—just check with your local county clerk or registrar to find out what the process entails.

I set up a free site with my registrar.

After he had sent over the appraisal website to place an appraisal order to "Lorenzappraisal.com" I looked up their website registration information as well; they too were registered only in December and are using the exact same host, the exact same domain registrar, and the exact same name servers.