The folks who sell preforeclosure data here are already out of date before the file is downloaded.

For example my accountant always lets me know when renewals and other forms are due, which he typically handles and only costs me $50 a year, as well as answers plenty of questions that I have.As a word of warning, if you do decide to go through an online company you must be on top of every form filing.

The problem is that liens could be filed out of the blue that aren’t currently recorded and you would be responsible.

Title insurance, property taxes/proration, insurance, lender fees, transfer taxes, attorney, title report and update (continuation), filing/recording fees, etc.Look at a typical HUD-1 and you'll see all the lines--there are lots.I would suggest you contact a local title company and get the local low-down on your typical costs.

Out of those that get accepted is where you dig into the collateral files and match up against the Title report to note any defect in title and confirm the assignment chain. 

Those come back to bite you if the file gets audited or your loan goes a little sideways.. being un truthful on an app to a bank is not good.

I will file this as a problem I hope to have one day.

I have an embarrassingly large Google drive file of research on Little Rock and that was further crystallized by my visit there.

. - Have the funds lent to you, secured by your primary residence as a private mortgage, and it's no longer a gift.

So you might have to file a quiet title action to gain title to the property.