# Proof of Mineral Ownership for Mortgage Application
**URL:** https://www.mineralrightsforum.com/t/proof-of-mineral-ownership-for-mortgage-application/3125
**Category:** General Mineral Rights Discussion
**Created:** [March 28, 2017, 4:52pm UTC](https://www.mineralrightsforum.com/t/proof-of-mineral-ownership-for-mortgage-application/3125 "2017-03-28T16:52:52Z")
**Posts on this page:** 7
**Page:** 1
### Author:  [@Jean\_Ackerly](https://www.mineralrightsforum.com/u/Jean_Ackerly)
#### Post date: [March 28, 2017, 4:52pm UTC](https://www.mineralrightsforum.com/t/proof-of-mineral-ownership-for-mortgage-application/3125/1 "2017-03-28T16:52:52Z")
I have been asked by our mortgage person to provide a document that shows “ownership” of my mineral rights. Tax forms and payment stubs will not suffice. I don’t have a “deed” or “stock certificate” type document.
Has anyone else had this issue and been able to solve it?
Thanks very much.
Jean
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### Author:  [@TennisDaze](https://www.mineralrightsforum.com/u/TennisDaze)
#### Post date: [March 28, 2017, 6:30pm UTC](https://www.mineralrightsforum.com/t/proof-of-mineral-ownership-for-mortgage-application/3125/2 "2017-03-28T18:30:30Z")
There should be a deed recorded in your name in county records which would establish title. Otherwise the oil company would not be paying royalties. Offer tax statement for minerals.
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### Author:  [@r\_w\_kennedy](https://www.mineralrightsforum.com/u/r_w_kennedy)
#### Post date: [March 28, 2017, 7:38pm UTC](https://www.mineralrightsforum.com/t/proof-of-mineral-ownership-for-mortgage-application/3125/3 "2017-03-28T19:38:32Z")
That would be the contract in which you bought the property. Your property deed may be worthless for the purpose as it may not state including/excluding mineral rights. If minerals were never severed? It’s hard to prove that something didn’t happen, you would have to examine the entire chain of title.
At the time I was asked to provide a document showing ownership of the minerals I would have told them to exclude them from consideration unless you are using them to show income [uncertain at best], or financing more than the surface and any structures are worth.
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### Author:  [@Buddy\_Cotten](https://www.mineralrightsforum.com/u/Buddy_Cotten)
#### Post date: [March 28, 2017, 10:46pm UTC](https://www.mineralrightsforum.com/t/proof-of-mineral-ownership-for-mortgage-application/3125/4 "2017-03-28T22:46:30Z")
Dear Jean,
I’ve performed this task many times. I think what the mortgage person is looking for is what I would call a Certificate of Chain of Title and all of the documents affecting your property during a certain time period are listed, along with copies of the documents.
An attorney can usually look at this, which sometimes would be described as a modified Abstract of Title and render an opinion as to the location of the mineral rights.
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### Author:  [@Kitchen](https://www.mineralrightsforum.com/u/Kitchen)
#### Post date: [March 29, 2017, 4:53pm UTC](https://www.mineralrightsforum.com/t/proof-of-mineral-ownership-for-mortgage-application/3125/5 "2017-03-29T16:53:42Z")
Aside from the bank’s request for your mineral ownership information, I would recommend excluding the minerals from your mortgage if possible. Typical banks won’t lend on mineral interest by itself, so why allow them to consume your minerals in a loan? No one ever plans to foreclose, but it does happen, and if your minerals are excluded from the note, at least you will retain ownership of them in the future.
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### Author:  [@James\_Marrow](https://www.mineralrightsforum.com/u/James_Marrow)
#### Post date: [March 29, 2017, 7:32pm UTC](https://www.mineralrightsforum.com/t/proof-of-mineral-ownership-for-mortgage-application/3125/6 "2017-03-29T19:32:12Z")
Agreed. If the mortgage is so close as to need the royalties, it might be better to pass on the mortgage or borrow less. A banker would be foolish to lend against a variable income stream.
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### Author:  [@system](https://www.mineralrightsforum.com/u/system)
#### Post date: [August 14, 2018, 10:33pm UTC](https://www.mineralrightsforum.com/t/proof-of-mineral-ownership-for-mortgage-application/3125/7 "2018-08-14T22:33:36Z")