A Houston Texas FHA Warranty Deed is a legal document that transfers ownership of real property in Houston, Texas, and provides certain guarantees to the buyer. The acronym "FHA" stands for Federal Housing Administration, which is a government agency that provides mortgage insurance for loans made by approved lenders. A warranty deed is a type of deed that guarantees the seller has clear title to the property and the right to sell it. It also ensures that the property is free from any encumbrances or claims against it. In Houston, Texas, an FHA warranty deed is commonly used in real estate transactions that utilize FHA loans, which are insured by the Federal Housing Administration. The FHA warranty deed includes specific language that outlines the guarantees made by the seller regarding the property. It states that the seller has the legal authority to transfer the property, and that they have not transferred or encumbered the property to anyone else. The deed also guarantees that the property is free from any undisclosed defects or liens that could affect the buyer's ownership rights. There are different types of warranty deeds that may be used in Houston, Texas. These include: 1. General Warranty Deed: This type of warranty deed offers the highest level of protection for the buyer. It guarantees the buyer against all defects in title, even if they occurred prior to the seller's ownership. 2. Special Warranty Deed: This deed only guarantees the buyer against defects or claims that arise during the seller's ownership of the property. It does not provide protection against any issues that may have occurred prior to the seller's ownership. 3. Quitclaim Deed: This type of deed does not provide any warranties or guarantees to the buyer. It simply transfers the seller's interest in the property to the buyer, without making any claims regarding the state of the title. In conclusion, a Houston Texas FHA Warranty Deed is a legal document that ensures the transfer of real property ownership in Houston, Texas, with guarantees provided by the seller against any defects, encumbrances, or undisclosed claims on the property. The different types of warranty deeds that may be used in Houston, Texas include the General Warranty Deed, Special Warranty Deed, and Quitclaim Deed.