For title & mortgage

Certified translation built for title companies and mortgage lenders.

Verdacert is the certified-translation partner for title companies, mortgage lenders, and real estate attorneys handling foreign-buyer transactions. We translate foreign IDs, foreign income documentation, foreign deeds, and FIRPTA-related certifications with handling drafted to support Patriot Act CIP and TRID documentation requirements, on a turnaround that fits a 30-day close.

Built for: Title companies, mortgage lenders, real estate attorneys, FIRPTA withholding agents

14-hour
Rush turnaround for closings inside the rate-lock window
CIP
Certification statement drafted to meet CIP documentation needs
FNMA / FHA
Drafted to support Selling Guide and Handbook 4000.1 translation requirements
FIRPTA
Foreign-seller documentation coordinated with Form 8288
Why this mattersVERTICAL CONTEXT

What title & mortgage teams actually need from a translation partner.

Foreign-buyer real estate transactions concentrate three regulatory regimes in one closing file: Patriot Act customer identification (CIP) verifying the buyer's identity from foreign documents, TRID disclosure of foreign-currency income for borrower qualification, and FIRPTA withholding when the seller is a foreign person. Each regime expects certified English translations of the underlying foreign documents - and a missing or non-compliant translation can stall a closing inside the rate-lock window.

Verdacert sits inside that close. We translate foreign passports and national IDs to satisfy the CIP rule under 31 CFR § 1020.220, foreign tax returns and bank statements to support borrower income documentation under Fannie Mae and FHA guidance, foreign deeds and probate orders for chain-of-title work, and foreign POAs for buyers signing remotely. The certification statement matches what underwriters, title examiners, and FIRPTA withholding agents expect at file review.

On the operations side, we deliver on closing timelines: 48-hour standard turnaround, 24-hour express, and 14-hour rush, measured around the clock including weekends. For documents tied to a specific signing date, we commit to the date when scheduled in advance. Translations are formatted to slot into the closing package - title commitment exhibit numbering, loan-file labeling, or FIRPTA documentation set. For real estate firms running consistent foreign-buyer volume, we set up account billing and a permissioned portal so closing teams and outside counsel see the same status.

What we handleRECURRING WORK

The translation work title & mortgage teams hand to us.

Regulations & standardsWHAT WE ALIGN TO

Rules and standards that govern title & mortgage translation work.

Every Verdacert translation in this vertical is produced to satisfy the specific regulations below. We cite them explicitly so your compliance team can reconcile our output to your file-review checklist.

31 CFR § 1020.220 (Patriot Act CIP)

Customer Identification Program rule. Financial institutions must verify identity using documents 'such as a driver's license or passport' - foreign documents require certified English translation for the lender's CIP file.

26 U.S.C. § 1445 (FIRPTA)

Foreign Investment in Real Property Tax Act. Where the seller is a foreign person, the transferee must withhold; foreign IDs and non-foreign-person affidavits require certified translation for the IRS Form 8288 filing.

12 CFR § 1026 (TRID / Regulation Z)

TILA-RESPA Integrated Disclosure rule. Where borrower qualifying income is foreign-currency-denominated, supporting documents require certified translation for the closing disclosure record.

Fannie Mae Selling Guide B3-3.1-09

Foreign income documentation requirements. Foreign-language income documents must be accompanied by a certified English translation.

FHA Handbook 4000.1 II.A.4.b

FHA documentation requirements for foreign income and foreign-source funds. Foreign-language documents require translation by a third-party certified translator.

Hague Apostille Convention

For foreign POAs and foreign deeds from Hague-member countries, apostille is required to establish authenticity. You obtain the apostille from the issuing country's competent authority; Verdacert supplies the certified translation that accompanies it.

DOCUMENT TYPES

Documents we routinely handle for title & mortgage accounts

  • Foreign passports and national IDs (CIP)
  • Foreign permanent resident / residency cards
  • Foreign driver's licenses (supplemental ID)
  • Foreign tax returns (income verification)
  • Foreign employment verification letters
  • Foreign bank statements (assets verification)
  • Foreign-issued deeds and title documents
  • Foreign probate orders and inheritance decrees
  • Foreign powers of attorney
  • Foreign marriage certificates (joint title)
  • Foreign court orders affecting title
  • Foreign business registration (LLC/Corp foreign-buyer entities)
  • Foreign-language disclosure acknowledgments (limited use)
How we workOPERATIONS

How a title & mortgage account runs.

How it works03 STEPS · ~5 MIN TO QUOTE

A process you can hand to USCIS without rereading the rules.

Upload, we translate, you submit. Every step is bounded by a real deadline and a named reviewer.

01

Upload your document

Drag & drop a PDF, or photograph the original with your phone. We accept JPG, PNG, HEIC, PDF, and TIFF up to 25 MB.

· Instant page count & quote· Multi-document orders supported
02

We translate & certify

Our translation engine produces a first draft. A vetted native-speaker reviewer with regional expertise edits and signs the certification before release.

· Layout reproduced where the source allows· Names transliterated to your I-130 spelling
03

Download your USCIS-ready file

You receive a single PDF: original, translation, and the signed certification statement that meets 8 CFR 103.2(b)(3). Hard-copy mailing available at checkout.

· Hard-copy mailing, USPS Ground to FedEx overnight· Notarization and apostille coordination coming soon
FAQFOR TITLE & MORTGAGE BUYERS

Title & mortgage translation: the questions teams ask before signing.

Q.01Does the Patriot Act CIP rule actually require a certified translation, or just any translation?
31 CFR § 1020.220 requires the lender to 'form a reasonable belief' about the customer's identity from the documents presented. Regulators do not specify a translation credential, but federal bank examiners and OCC reviewers expect a certification statement in the CIP file - particularly for higher-risk customer profiles. The cost of a CIP audit finding far exceeds the cost of a certified translation, so most lenders adopt certified translation as a policy default.
Q.02Can the borrower's friend or relative translate their foreign tax return?
Generally no. Fannie Mae Selling Guide B3-3.1-09 and FHA Handbook 4000.1 require translation by a third-party certified translator. A friend, relative, or the borrower's own translation is not acceptable for underwriting. The same standard applies for assets verification under most lender overlays.
Q.03How do you handle foreign-currency income conversion?
We translate the underlying foreign tax return or income statement without converting currency (translation does not change values), but we include a reviewer note referencing the IRS yearly average exchange rate for the tax period and the OFAC-published rate as of the closing date. The underwriter then applies the lender's specific conversion policy.
Q.04What about FIRPTA - do you handle the seller-side documentation?
Yes. Where the seller is a foreign person under IRC § 1445, we translate the seller's foreign ID, any non-foreign-person affidavit signed abroad, and any related foreign tax records. We coordinate with the title company or buyer's withholding agent on the IRS Form 8288 filing schedule.
Q.05Do you verify the authenticity of a foreign POA?
We translate the POA and flag any apparent irregularities (missing seals, expired notary commissions, unusual format), but verification of authenticity is the apostille or consular legalization process - not the translator's role. Where the closing requires an apostille or consular legalization, you obtain it directly - we do not file on your behalf.
Q.06Can you turn around a translation in time for a signing tomorrow?
Yes, in most cases - rush turnaround is 14 hours, measured around the clock including evenings and weekends, so a document uploaded by early evening is delivered before a next-morning signing. For accounts with consistent foreign-buyer volume, we hold reviewer capacity and will commit to specific signing dates when scheduled in advance.
Q.07Do you handle joint title with foreign spouses?
Yes - foreign marriage certificates and any related foreign court orders (e.g., separation, divorce) affecting title are core volume for us. We translate to match the title commitment's vesting language and the state's marital property conventions.
103
Languages supported - Arabic, Farsi, Urdu, Pashto, Dari, and more
8 CFR § 103.2(b)(3)
The certification standard every translation is prepared to
Refund if rejected
for a translation error - see our Refund Policy
Get startedRESPONSE WITHIN ONE BUSINESS DAY

Bring Verdacert into your closing workflow.

Email firms@verdacert.com with your typical foreign-buyer mix and closing platform. We will configure account billing, closing-package formatting, and rush capacity within one business day.

CONTACT

How to reach us

  • Email · firms@verdacert.com

Include rough monthly volume, primary source languages, and any compliance constraints. We'll tailor the pilot accordingly.

Get started

Ready to start? Upload your document for an instant quote.

Standard delivers in 48 hours; Express in 24; Rush in 14; Same-Day in 8 when the clock allows. Refund or retranslation if a recipient rejects a translation for a translation error - see our Refund Policy.

Get instant quotePricing