---
title: "Checklist for a discharge of mortgage after repayment"
url: "https://ailawframework.com/practice/banking-and-finance/prepare-the-discharge-of-mortgage-on-repayment-of-a-facility/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A3-J20261018-5-US"
practice_area: "Banking & Finance (Lending, Securities, Project Finance)"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Checklist for a discharge of mortgage after repayment

> List the land, the recording county, whether principal, interest and other amounts due have been paid, and whether the mortgage is a credit-line mortgage. Do not prepare the satisfaction.…

Canonical page: https://ailawframework.com/practice/banking-and-finance/prepare-the-discharge-of-mortgage-on-repayment-of-a-facility/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Banking & Finance (Lending, Securities, Project Finance)](https://ailawframework.com/practice/banking-and-finance.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | List the land, the recording county, whether principal, interest and other amounts due have been paid, and whether the mortgage is a credit-line mortgage. Do not prepare the satisfaction. State law governs, and the lawyer confirms the governing state. For example, New York. |
| What the lawyer must review | This section is New York law for real property in that state. N.Y. Real Property Actions and Proceedings Law § 1921 requires the mortgagee, after payment of authorised principal, interest and any other amounts due has actually been made, and for a credit-line mortgage on written request, to execute and acknowledge a satisfaction in the manner required for a recordable conveyance, and within 30 days to present it for recording or, if requested, deliver it to the mortgagor. The stated liability for failing to present a certificate of discharge is $500 after 30 days, $1,000 after 60 days and $1,500 after 90 days, and for that liability a mortgagee does not include a person who makes fewer than five mortgage loans in a calendar year. The note and mortgage are to be delivered within 45 days. A payment that does not cover the full amount does not by itself require a satisfaction. You prepare the instrument. U.C.C. § 9-513 terminates a financing statement. It does not discharge a mortgage. Another state's land uses that state's statute. State law governs, and the lawyer confirms the governing state. For example, New York. |
| Written for | United States |
| Applies to | [Prepare the discharge of mortgage on repayment of a facility](https://ailawframework.com/practice/banking-and-finance/prepare-the-discharge-of-mortgage-on-repayment-of-a-facility.md) |

## Checking plan

- What the AI does: List the land, the recording county, whether principal, interest and other amounts due have been paid, and whether the mortgage is a credit-line mortgage. Do not prepare the satisfaction. State law governs, and the lawyer confirms the governing state. For example, New York.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Use this section only for land in New York.
- Do not treat the financing-statement rule as the discharge of the mortgage.
- A shortfall against the payoff does not itself call for a satisfaction.
- State law governs; confirm the governing state before relying on this.

## Sources

- [N.Y. Real Property Actions and Proceedings Law § 1921, Discharge of mortgage](https://www.nysenate.gov/legislation/laws/RPA/1921) (checked 2026-10-22)
- [U.C.C. § 9-513, Termination statement](https://www.law.cornell.edu/ucc/9/9-513) (checked 2026-10-22)
- [ABA Formal Opinion 512, Generative Artificial Intelligence Tools (29 July 2024)](https://www.americanbar.org/content/dam/aba/administrative/professional_responsibility/ethics-opinions/aba-formal-opinion-512.pdf) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*