Is North Dakota a Title State or an Attorney State?
North Dakota is a title state. Title companies, lenders and attorneys all conduct closings, and attorney involvement in the closing itself is not legally required.
State Guides
North Dakota loan processing.
What brokers and loan officers should know about closings and property rules in North Dakota, and how Hancock Processing works your files there.
Is North Dakota a Community Property State for Mortgages?
No. North Dakota is not a community property state, and state law does not recognize dower or curtesy. A married person's homestead can't be mortgaged unless both spouses sign and acknowledge the mortgage, so a non-borrowing spouse generally signs the mortgage on the home the couple lives in, and North Dakota homestead rights don't depend on recording a declaration.
How Is Title Examined in North Dakota?
Before a title company can issue a policy in North Dakota, state law requires it to get the record title evidence from a state-certified abstract company and to have that evidence examined by a licensed attorney.
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North Dakota
Hancock Processing services in North Dakota
What Loan Types Does Hancock Processing Handle in North Dakota?
All of them. We process every loan type we offer in North Dakota, including conventional, FHA, VA, USDA, jumbo, Non-QM and DSCR loans, from Fargo and Grand Forks to Bismarck, Minot and western North Dakota.
Can Hancock Processing work files anywhere in North Dakota, not just Fargo?
Yes. We process loans statewide in North Dakota and coordinate with the title company or attorney handling each closing.
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