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Recordation discrepency

My home is recorded by the city as a "bargain sale" however my paperwork has a signed form from seller stating a "fee simple" or "warranty deed" (I think it was the former and it was explained to me when I asked that it's still clean ownership but bc her husband passed).

She built the house with her husband and was on the orgiginal deed with him. He did pass a few years prior to the sale, but my confusion comes from the fact when I Google bargain sale it states that it's a deed that protects the seller from liability against liens or defects bc the seller doesn't typically have the knowledge about the house and used in tax sales and foreclosures typically.

Should I be concerned and have this looked into?

There were a few issues with her honesty and integrity and there were some connections to city officials and unscrupulous behavior on seller's part so I want to make sure if I need to have anything fixed, I get it fixed while I can. Part of me is like it's not a big deal, but the other part is that this is a legal document and I don't want it to possibly cause issues later, plus why should someone be granted potential privileges.

Additionally, one of the mortgage inspections failed, and they needed to correct some stuff. The agent provided me with documentation on the dates the work was to be done. We were allowed to proceed with the mortgage because of this. Well it turns out they never did fix what the mortgage required them to fix. I only had the ability to go off what the agents conveyed to me. Was given date it was scheduled to be fixed and then mortgage proceeded. I had no way of knowing they lied. It wasn't my request to not proceed it was the mortgage company's policy that they weren't proceeding until it was remedied. I was told it was rectified, mortgage was allowed to proceed, so I had no way to know it didn't. They did some other things too and while I've paid or dismissed and moved on, but now seeing this with all the other experiences I've had, I wonder if I need to be concerned.

Thank you.

submitted by /u/ilovegluten
[link] [comments]

source https://www.reddit.com/r/RealEstate/comments/1ga6zfw/recordation_discrepency/
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