A Title is a document that states:
- Vehicle Identification Number (VIN #)
- Year, Make and Model
- Owner
- Existing lien holder
A Title is required when the loan is:
- Secured by a vehicle
- Secured by a mobile home
- Secured by real estate with a mobile home located on the property
- Secured by a boat
- Secured by a trailer weighing more than 2,000 lbs.
If being purchased from a dealership:
Contact dealership:
- Identify how the Borrower will be taking title. For example: John Smith OR John B Smith and/or Sara Smith
- Advise dealership Capital City Bank’s lien is to be placed on the title
If being purchased from an individual:
Paper Title
- Obtain original title from seller
- Seller MUST execute 2 Powers of Attorney
- Verify there is not an existing lien on the title.
- Alabama contact a lending associate in the Troupe/Chambers Market
- Florida you may go to the following web site: https://services.flhsmv.gov/mvcheckweb/
- Georgia call the county tax commissioner’s office
- If existing lien, obtain a copy of title and payoff from lien holder
Florida – no existing lien
- Seller must obtain the paper title
Florida E-TITLE – existing lien
- Verify lien holder information at: https://services.flhsmv.gov/mvcheckweb/
- Seller MUST execute 2 Powers of Attorney
- Submit payoff to existing lien holder and request lien satisfaction letter be mailed to Lender name and office address.
- Verify existing lien holder has been removed from status at: https://services.flhsmv.gov/mvcheckweb/
- Obtain printout of information indicating no lien holder.
If owned by Borrower or no transfer of title required:
Paper Title – no existing lien
- Obtain original title from borrower
- Verify there is not an existing lien on the title
- Alabama contact a lending associate in the Troupe/Chambers Market
- Florida you may go to the following web site: https://services.flhsmv.gov/mvcheckweb/
- Georgia call the county tax commissioner’s office
- If existing lien, obtain a copy of title and payoff from lien holder
Florida E-TITLE - no existing lien
- Go to https://services.flhsmv.gov/mvcheckweb/
- Obtain printout of information
Florida E-TITLE - existing lien
- Verify lien holder information at https://services.flhsmv.gov/mvcheckweb/
- Submit payoff to existing lien holder and request lien satisfaction letter be mailed to Lender name and office address.
- Verify existing lien holder has been removed from status at: https://services.flhsmv.gov/mvcheckweb/
- Obtain printout of information indicating no lien holder.
Once completed, the Title, either paper or printout from DMV (E-title) should be uploaded to Synergy (consumer purpose) or Abrigo (business purpose).
If you need additional assistance with Abrigo, please contact _Abrigo Help.
After the loan has closed:
Paper Title- No transfer of title required
- Original Title
- Original Application for Notice of Lien (FL) or Title/Tag Application (AL/GA)
- Check made payable to the _____________ County Tax Collector
- Lien fees vary by county. Check with the county tax collector’s office to verify the lien fee.
- Mail to the County Tax Collector's office
Florida E-Title- No transfer of title required
- Printout from https://services.flhsmv.gov/mvcheckweb/
- Original Application for Notice of Lien (FL)
- Check made payable to the _____________ County Tax Collector
- Lien fees vary by county. Check with the county tax collector’s office to verify the lien fee and obtain paper title.
- Mail to the County Tax Collector’s office
Paper Title- Transfer of title required
HANDDELIVER to the County Tax Collector:
- Original Title
- Original Application for Notice of Lien (FL) or Title/Tag Application (AL/GA)
- Power of Attorney from the Seller
- Power of Attorney from the Purchaser
- Check made payable to the _____________ County Tax Collector
- Check with the county tax collector’s office to verify fees, which include but may not be limited to:
- Lien fees
- Transfer Fee
- Sales Taxes
- Tag fee
- Check with the county tax collector’s office to verify fees, which include but may not be limited to:
Florida E-Title- Transfer of title required
HANDDELIVER to the County Tax Collector:
- Printout from https://services.flhsmv.gov/mvcheckweb/
- Original Application for Notice of Lien (FL) or Title/Tag Application (AL/GA)
- Power of Attorney from the Seller
- Power of Attorney from the Purchaser
- Proof of Insurance
- Driver’s License data for the Purchaser
- Check made payable to the _____________ County Tax Collector
- Check with the county tax collector’s office to verify fees, which include but may not be limited to:
- Lien fees
- Transfer Fee
- Sales Taxes
- Tag fee
- Obtain Paper Title Fee
- Check with the county tax collector’s office to verify fees, which include but may not be limited to: