Post-closing and e-recording support for Tennessee files

What we handle

• Recording packages. Each instrument checked before it goes out: signatures, acknowledgments, preparer, oath of consideration, legal description and the county's formatting rules.
• E-recording prep. Documents set up in your e-recording account with Simplifile, CSC, ePN, Indecomm or whichever vendor the county accepts, for you to submit.
• Recording follow-up. Recorded instruments matched back to the file, with book and page or instrument numbers, and rejections corrected and resubmitted.
• Policy packages. Owner's and lender's policies prepared from the commitment and the recorded documents, for you to issue through your underwriter.
• Mortgage release tracking. Releases followed up with prior lenders after payoff until they're recorded.
• Trailing documents. Final policies and recorded documents delivered to lenders and investors, and the file closed out on your checklist.
• Backlogs. If post-closing has fallen behind, we can work through the old files too.

How e-recording works in Tennessee

Tennessee lets county registers accept electronic documents, but who may submit them is limited. Since July 1, 2025, Tenn. Code Ann. § 47-10-118 has limited e-recording submitters to licensed attorneys, licensed title insurance companies and agents, banks and certain other lenders, and government entities.

Real Estate Loan Services is none of those, and doesn't need to be. Your office stays the submitter: we prepare the package in your vendor account, and you release it.

Each e-recorded document also needs a certification of the electronic document, signed by a licensed attorney or the custodian of the original and acknowledged by a notary. Davidson County notes that since 2021 the certificate must be dated and in at least 10-point type. We prepare the certificate for your signature; signing and notarizing stay with you.

E-recording vendors differ by county. As of October 2026, CSC listed most but not all Tennessee counties in its network, and county registers publish their own vendor lists. We confirm the options for each county on the file.

What stays with you

• Submitting e-recordings from your account, and signing the electronic document certification.
• Issuing policies through your underwriter.
• Escrow, including any recording fees and taxes paid from it.