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 under Patriot Act CIP and TRID-compliant handling, on a turnaround that fits a 30-day close.
Built for: Title companies, mortgage lenders, real estate attorneys, FIRPTA withholding agents
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: 24-hour standard turnaround, 12-hour rush, and same-day for documents tied to a specific signing date. 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.
The translation work title & mortgage teams hand to us.
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.
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.
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.
TILA-RESPA Integrated Disclosure rule. Where borrower qualifying income is foreign-currency-denominated, supporting documents require certified translation for the closing disclosure record.
Foreign income documentation requirements. Foreign-language income documents must be accompanied by a certified English translation.
FHA documentation requirements for foreign income and foreign-source funds. Foreign-language documents require translation by a third-party certified translator.
For foreign POAs and foreign deeds from Hague-member countries, apostille is required to establish authenticity. Verdacert coordinates apostille verification alongside translation.
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 a title & mortgage account runs.
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.
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.
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.
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). Notarization and hard copies on request.
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?
Q.02Can the borrower's friend or relative translate their foreign tax return?
Q.03How do you handle foreign-currency income conversion?
Q.04What about FIRPTA — do you handle the seller-side documentation?
Q.05Do you verify the authenticity of a foreign POA?
Q.06Can you turn around a translation in time for a signing tomorrow?
Q.07Do you handle joint title with foreign spouses?
Where title & mortgage translations are typically submitted.
Verdacert for other business teams.
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.
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.
Ready to start? Upload your document for an instant quote.
Standard delivers in 48 hours; Express in 24; Rush in 14. USCIS-accepted, or your money back.