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## Map4c Mortgage Assignment In Texas

Report cards comments in Ontario have moved to a three step process.  For each student, we are asked to comment on:

• A Strength – Ask yourself, what has the student learned or done well at?
• An Example – Give an example of this strength
• A Next Step – Identify next steps for improvement (I tend to use this last sentence to comment on learning skills and what the student could work on in the future)

I use a chart format to write all of my comments to ensure that I’ve covered all three aspects like the one shown below.  The first thing I do is fill in all of the student’s names for each section I’m teaching.  Next, I look at my mark book to determine what unit the student excelled in and more specifically if their highest mark was on a quiz, assignment, test, etc.  I then enter this info into the middle box.  As I start to fill in the chart, I replace that information with a structured comment.

 NAME STRENGTHWhat has the student learned? EXAMPLEDescribe significant strengths NEXT STEPIdentify next steps for improvement Smith, John TrigonometryAssignment Johnson, Lisa Personal FinanceAssignment & Chapter Test

.

 NAME STRENGTHWhat has the student learned? EXAMPLEDescribe significant strengths NEXT STEPIdentify next steps for improvement Smith, John John grasps mathematical concepts easily and is able to apply them where appropriate. He has excelled in each unit, especially in Trigonometry, where he was able to solve problems involving the sine law and cosine law in acute triangles on his assignment. John should work on showing all mathematical steps leading to the final answer and strive to maintain his high level of achievement to date. Johnson, Lisa Lisa has good numerical skills and is able to independently solve problems when first given an example. She demonstrated a good understanding of the personal finance unit where she successfully solved problems involving credit card interest and calculated costs associated with owning and operating a vehicle on both her assignment and chapter test. Lisa is encouraged to put more effort into her daily assigned work which is excellent practice for her tests and assessment pieces.

I have included many example comments for Secondary Math below.

What has the student learned?

{name} performs well on assigned work in class.

{name} is able to follow the steps of a simple problem solving process.

{name} follows simple mathematical arguments and takes excellent notes during class.

{name} has a good understanding of mathematical concepts, especially those related to _____________.

{name} is able to follow examples and correctly substitute numbers into formulae to solve problems.

{name} always comes to class prepared and has demonstrated a strong work ethic by completing all assigned tasks.

{name} demonstrated a logical approach to problem solving during the ________ unit.

{name} consistently hands in assignments and homework on time.

{name} is able to perform complex mathematical steps with accuracy.

{name} has good numerical skills and is able to independently solve problems when first given an example.

{name} is able to follow simple mathematical arguments.

{name} is able to apply concepts and procedures to solve simple problems.

{name} demonstrated a thorough knowledge of ______ and a logical approach to the problem solving process.

{name} takes the time to ensure he provides complete and organized solutions to problems.

{name} demonstrates considerable understanding of mathematical concepts, especially those related to _______.

{name} is able to correctly substitute numbers into formulae to solve problems.

{name} has shown an improvement in his work habits in both directed and independent assignments.

{name} has demonstrated considerable understanding of the concepts covered this term and can justify the reasoning used in solving a problem.

{name} is willing to participate in discussions and provide answers in class.

{name} is able to communicate with considerable clarity and routinely contributes to class discussions.

{name} consistently shows good effort and arrives prepared for class.

{name} is able to perform complex mathematical steps accurately.

{name} consistently hands in assignments and homework on time and has a good understanding of the mathematical concepts covered thus far.

{name} is able to follow examples and correctly substitute numbers into formulae to solve problems.

{name} demonstrates a logical approach to problem solving.

{name} presents solution in an organized and logical manner.

{name} follows simple mathematical arguments and is able to communicate with some clarity and justification of reasoning.

{name} has good numerical skills and can use them in a variety of contexts.

{name} is able to perform repetitive tasks, when first given an example.

{name} comes to class prepared and has handed in all assessment pieces to date.

{name} is able to correctly identify key pieces of information given in a problem and then substitute numbers into formulae to solve it.

{name} is able to apply steps of a problem solving process with considerable effectiveness.

{name} applies required knowledge clearly and precisely.

{name} demonstrates a thorough understanding of all concepts and communicates with considerable clarity and justification of reasoning.

{name} routinely applies mathematical concepts and procedures to solve complex problems.

Examples of EXAMPLE comments for specific courses listed.  (more to be added in the future)

Describe significant strengths

MAT1L MAT2L
MFM1P
MPM1D
MFM2P
MPM2D
MBF3C
MCF3M
MCR3U
MAP4C

Identify Next Steps for Improvement

{name} should focus on preparing more thoroughly for tests to improve his achievement level.

{name} should prepare more thoroughly for tests and final exams.  I recommend he speak with a guidance counselor to ensure he is in the level best suited to his capabilities for grade ___ math.

{name} should continue to ask for help as soon as difficulties arise and complete assigned work in class.

{name} should practice basic math facts such as multiplying and dividing.  A mastery of computational skills will improve his confidence in mathematics.

{name} needs to work on arriving to class on time and catching up on missed notes.

{name} should continue to practice his math skills by completing all work assigned in class.

{name} should continue to ask for help as soon as difficulties arise and prepare more thoroughly for tests to improve her achievement level.

{name} should practice manipulating quadratic equations and factoring trinomials in order to prepare for next year.

{name} should concentrate on the organization and structure of solutions to problems and strive to maintain his high level of performance to date.

{name} should practice factoring quadratic equations and maintain his excellent work ethic in grade __ math

{name} should practice expanding binomials and factoring trinomials in order to prepare for the quadratics unit in grade __ math.

{name} needs to attend class regularly and make up tests, evaluations and assignments that he has missed due to a number of absences.

{name} needs to attend class regularly so he can benefit from peer discussions, teacher support, and show his learning on assignments and tests.

{name} should continue to ask for help as soon as difficulties arise and put forth a consistent effort in completing assigned work in class.

{name} should strive to complete all work assigned in grade ___ math as it will lead to a better overall understanding of the concepts covered.

{name} should continue improving his attendance in order to keep good notes on concepts that will be assessed and evaluated.

{name} should continue to ask for help as soon as difficulties arise and put more effort into completing all assignments to the best of his ability.

{name} should work on providing complete, well-organized solutions to problems and develop confidence in his abilities.

{name} should continue to develop confidence in his abilities by attempting to solve problems on his own before seeking assistance.

{name} should work on providing complete, well-organized solutions to problems and strive to complete and hand in all assigned work.

{name} should aim to complete all assigned work, and prepare more thoroughly for tests.  I recommend he speak with a guidance counselor to ensure he is in the level best suited to his capabilities.

{name} should work on providing complete solutions by showing all mathematical steps leading to the final answer.

{name} should aim to hand in missing assignments in order to ensure success in this course.

{name} is encouraged to take more responsibility for completing all assigned tasks and assessment pieces.  These pieces lead to a better overall understanding of the concepts covered in this course.

{name} is encouraged to put more effort into his daily assigned work.  Completion of this work is excellent practice for his tests and other assessment pieces.

{name} understanding of the concepts covered in this course would increase with more focus during lessons and the completion of assigned practice work.

Although {name}is able to communicate his knowledge effectively, he should continue to work on providing organized and complete solutions on paper

{name} should maintain her outstanding work ethic and focus in the classroom and check more thoroughly for small errors before handing in work.

{name} should work on rereading problems to identify the most important aspects to consider before beginning his solution.

{name} should work on improving his focus during independent work in class.

{name} should strive to maintain his excellent work ethic and focus and is encouraged to explore additional math courses in the future.

MAT1L MAT2L

## Real Property – Mortgage Satisfaction – Texas

Assignments Generally: Lenders, or holders of mortgages or deeds of trust, often assign mortgages or deeds of trust to other lenders, or third parties. When this is done the assignee (person who received the assignment) steps into the place of the original lender or assignor. To effectuate an assignment, the general rules is that the assignment must be in proper written format and recorded to provide notice of the assignment.

Satisfactions Generally: Once a mortgage or deed of trust is paid, the holder of the mortgage is required to satisfy the mortgage or deed of trust of record to show that the mortgage or deed of trust is no longer a lien on the property. The general rule is that the satisfaction must be in proper written format and recorded to provide notice of the satisfaction. If the lender fails to record a satisfaction within set time limits, the lender may be responsible for damages set by statute for failure to timely cancel the lien. Depending on your state, a satisfaction may be called a Satisfaction, Cancellation, or Reconveyance. Some states still recognize marginal satisfaction but this is slowly being phased out. A marginal satisfaction is where the holder of the mortgage physically goes to the recording office and enters a satisfaction on the face of the the recorded mortgage, which is attested by the clerk.

Texas Law

Recording Satisfaction: There are no provisions requiring a Texas creditor to release a fully paid debt, but if creditor fails to do so within 60 days of full payoff, a representative of a title insurance company may record an affidavit which releases the lien described in the affidavit.

Acknowledgment: An assignment or satisfaction must contain a proper Texas acknowledgment, or other acknowledgment approved by Statute.

Texas Statutes

CHAPTER 12. RECORDING OF INSTRUMENTS

§ 12.001. Instruments Concerning Property

(a) An instrument concerning real or personal property may be recorded if it has been acknowledged, sworn to with a proper jurat, or proved according to law.
(b) An instrument conveying real property may not be recorded unless it is signed and acknowledged or sworn to by the grantor in the presence of two or more credible subscribing witnesses or acknowledged or sworn to before and certified by an officer authorized to take acknowledgements or oaths, as applicable.
(c) This section does not require the acknowledgement or swearing or prohibit the recording of a financing statement, a security agreement filed as a financing statement, or a continuation statement filed for record under the Business & Commerce Code.
(d) The failure of a notary public to attach an official seal to an acknowledgment, a jurat, or other proof taken outside this state but inside the United States or its territories renders the acknowledgment, jurat, or other proof invalid only if the jurisdiction in which the acknowledgment, jurat, or other proof is taken requires the notary public to attach the seal.

§ 12.009. Mortgage or Deed of Trust Master Form

(a) A master form of a mortgage or deed of trust may be recorded in any county without acknowledgement or proof. The master form must contain on its face the designation: “Master form recorded by (name of person causing the recording).”
(b) The county clerk shall index a master form under the name of the person causing the recording and indicate in the index and records that the document is a master mortgage.
(c) The parties to an instrument may incorporate by reference a provision of a recorded master form with the same effect as if the provision were set out in full in the instrument. The reference must state:

(1) that the master form is recorded in the county in which the instrument is offered for record;
(2) the numbers of the book or volume and first page of the records in which the master form is recorded; and
(3) a definite identification of each provision being incorporated.

(d) If a mortgage or deed of trust incorporates by reference a provision of a master form, the mortgagee shall give the mortgagor a copy of the master form at the time the instrument is executed. A statement in the mortgage or deed of trust or in a separate instrument signed by the mortgagor that the mortgagor received a copy of the master form is conclusive evidence of its receipt. On written request the mortgagee shall give a copy of the master form without charge to the mortgagor, the mortgagor’s successors in interest, or the mortgagor’s or a successor’s agent.
(e) The provisions of the Uniform Commercial Code prevail over this section.

§ 12.017 PROP. Title Insurance Company Affidavit as Release of Lien; Civil Penalty

(a) In this section:

(1) “Mortgage” means a deed of trust or other contract lien on an interest in real property.
(2) “Mortgagee” means:

(A) the grantee of a mortgage;
(B) if a mortgage has been assigned of record, the last person to whom the mortgage has been assigned of record; or
(C) if a mortgage is serviced by a mortgage servicer, the mortgage servicer.

(3) “Mortgage servicer” means the last person to whom a mortgagor has been instructed by a mortgagee to send payments for the loan secured by a mortgage. A person transmitting a payoff statement is considered the mortgage servicer for the mortgage described in the payoff statement.
(4) “Mortgagor” means the grantor of a mortgage.
(5) “Payoff statement” means a statement of the amount of:

(A) the unpaid balance of a loan secured by a mortgage, including principal, interest, and other charges properlyassessed under the loan documentation of the mortgage; and
(B) interest on a per diem basis for the unpaid balance.

(6) “Title insurance company” means a corporation or other business entity authorized and licensed to transact the business of insuring titles to interests in real property in this state.

(b) This section applies only to a mortgage on property consisting exclusively of a one-to-four-family residence, including a residential unit in a condominium regime.
(c) If a mortgagee fails to execute and deliver a release of mortgage to the mortgagor or the mortgagor’s designated agent within 60 days after the date of receipt of payment of the mortgage by the mortgagee in accordance with a payoff statement furnished by the mortgagee or its mortgage servicer, an authorized officer of a title insurance company may, on behalf of the mortgagor or a transferee of the mortgagor who acquired title to the property described in the mortgage, execute an affidavit that complies with the requirements of this section and record the affidavit in the real property records of each county in which the mortgage was recorded.
(d) An affidavit executed under this section must state that:

(1) the affiant is an authorized officer of a title insurance company;
(2) the affidavit is made on behalf of the mortgagor or a transferee of the mortgagor who acquired title to the property described in the mortgage;
(3) the mortgagee provided a payoff statement with respect to the loan secured by the mortgage;
(4) the affiant has ascertained that the mortgagee has received payment of the loan secured by the mortgage in accordance with the payoff statement, as evidenced by:

(A) a bank check, certified check, escrow account check from the title company or title insurance agent, or attorney trust account check that has been negotiated by the mortgagee; or
(B) another documentary evidence of the receipt of payment by the mortgagee;

(5) more than 60 days have elapsed since the date payment was received by the mortgagee;
(6) the title insurance company or its agent has given the mortgagee at least 15 days’ notice in writing of its intention to execute and record an affidavit in accordance with this section, with a copy of the proposed affidavit attached to the written notice; and
(7) the mortgagee has not responded in writing to the notification, or a request for additional payment made by the mortgagee has been complied with at least 15 days before the date of the affidavit.

(e) The affidavit must include the names of the mortgagor and the mortgagee, the date of the mortgage, and the volume and page or clerk’s file number of the real property records where the mortgage is recorded, together with similar information for a recorded assignment of the mortgage.
(f) The affiant must attach to the affidavit a photostatic copy, certified as a true copy of the original document, of:

(1) the documentary evidence that payment has been received by the mortgagee, including the mortgagee’s endorsement of a negotiated check if paid by check; and
(2) the payoff statement.

(g) An affidavit that is executed and recorded as provided by this section operates as a release of the mortgage described in the affidavit.
(h) The county clerk shall index the affidavit in the names of the original mortgagee and the last assignee of the mortgage appearing of record as the grantors and in the name of the mortgagor as grantee.
(i) A person who knowingly causes an affidavit with false information to be executed and recorded under this section is liable for the penalties for filing a false affidavit, including the penalties for commission of offenses under Section 37.02 PROP. of the Penal Code, and to a party injured by the affidavit for actual damages or \$5,000, whichever is greater. The attorney general may sue to collect the penalty. If the attorney general or an injured party bringing suit substantially prevails in an action under this subsection, the court may award reasonable attorney’s fees and court costs to the prevailing party.