Mortgages must be recorded with the county. You can ask them. You can have a title company to a title search. It should tell you what liens are against the home.How do you prove there are no mortgages on a property?
You must pay a title company to search for an abstract on the property. The full name for the search is an ';Abstract of Title';.
You can often find out about thease and other questions by asking a realtor or even a city governed central appraisal district.
If you know the owner's of the property, then you can ask them to provide you with a letter from their mortgager. If you don't know the owner of the property, then you can go to your clerk of records and inquire there. If you know the attorney who drew up the legal papers, you can start there as well
The mortgage company should send you (or the owner) and the county where the property is located a ';Letter of Satisfaction'; showing that there are no monies owed and if it's a ';Lien Theory State'; like FL, it will remove the lien from the property.
You should be able to look this info up on line through a county website or a title company can do some research for you for a fee. Mortgages, Deeds, Liens and Sat. of a Lien are all public records.
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