{"id":685,"date":"2019-06-17T06:00:45","date_gmt":"2019-06-17T10:00:45","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=685"},"modified":"2024-04-25T23:21:05","modified_gmt":"2024-04-26T03:21:05","slug":"what-is-a-deed-of-trust","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/what-is-a-deed-of-trust\/","title":{"rendered":"What Is a Deed of Trust?"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignright is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/06\/what-is-a-deed-of-trust-1024x538.jpg\" alt=\"Image of a deed of trust legal document. Captioned: What is a Deed of Trust?\" class=\"wp-image-688\" width=\"512\" height=\"269\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/06\/what-is-a-deed-of-trust-1024x538.jpg 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/06\/what-is-a-deed-of-trust-300x158.jpg 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/06\/what-is-a-deed-of-trust-768x403.jpg 768w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/06\/what-is-a-deed-of-trust.jpg 1080w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">With a <em>deed of trust<\/em>, a buyer\npledges an interest in real estate to secure a loan. In some states this takes\nthe place of a mortgage document. (For a list of states commonly using deeds of\ntrust see the section&nbsp;on&nbsp;Mortgage States and Deed&nbsp;of Trust\nStates in our previous&nbsp;post, &#8220;<a href=\"https:\/\/www.deeds.com\/articles\/youve-paid-off-the-mortgage-what-happens-now\/\">You&#8217;ve\nPaid Off the Mortgage. What Happens Now<\/a>?&#8221;)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whereas\na&nbsp;mortgage agreement is formed between the borrower and the lender, a deed\nof trust, also known as a trust deed, has one key difference. The trust deed\ndesignates a&nbsp;<em>trustee<\/em>\u2014a\nthird party&nbsp;who retains legal ownership of&nbsp;the home until the buyer\ncompletes the payoff. &nbsp;<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\">This means\nthree parties are involved in the deed of trust:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>The trustor.<\/strong> The home buyer who takes the loan out is the trustor.<\/li><li><strong>The trustee.<\/strong> The independent party holding legal title behind the scenes is the trustee. The trustee\u2019s role is activated only if the buyer defaults and the home must be auctioned off.<\/li><li><strong>The beneficiary. <\/strong>The lending institution is called the beneficiary, as the trustee holds legal title for the lender&#8217;s benefit.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Thus, the\ntrust deed represents an agreement between the borrower (trustor) and a lender\n(beneficiary) to have legal title to the property held in trust by a neutral third\nparty (trustee) until the loan is paid off.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Deed\nof Trust: The Process and Impact on Title<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A buyer gets\nmoney to purchase real estate when a lender agrees to give the buyer the funds\nin exchange for an IOU\u2014a <em>promissory\nnote<\/em> connected with the deed of trust.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The deed of\ntrust, signed by the home buyer, is recorded in the county where the real\nestate is\u2014just as a mortgage agreement would be.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The trust\ndeed conditionally transfers <em>legal\ntitle<\/em> to the independent trustee\u2014usually an escrow company or bank.\nThe trustee holds the right to reclaim the property as collateral for the\npromissory note.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The buyer\nkeeps <em>equitable title<\/em>\nto the home and is commonly known as a homeowner. Once the debt is paid in\nfull, the lender must, by law, promptly have the trustee reconvey the real\nestate back to the homeowner.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But if the\nhome buyer defaults, the trustee takes over the debt\u2014and the property. The\ntrustee then initiates the foreclosure process on behalf of the lender. Thus,\nthe difference between a mortgage and a deed of trust affects only the\nhomeowner who defaults on the loan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Deed\nof Trust Foreclosures<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The\nbeneficiary of a deed of trust may ask the trustee to undertake a foreclosure\noutside of court, assuming state law directs trust deeds to empower the trustee\nwith a <em>power of sale<\/em>&nbsp;clause.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The trustee\nstarts the foreclosure process by recording a notice of default. In contrast to\na mortgage, the deed of trust default triggers a <em>non-judicial foreclosure<\/em>, which follows the\nprocedures outlined in the trust deed and state law.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The buyer\nhas a final chance to pay the debt before the property goes to public auction\nthrough a <em>trustee&#8217;s sale<\/em>.\nFailing that, the homeowner\u2019s equitable title automatically&nbsp;ends at the\ntrustee&#8217;s sale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the\nauction proceeds and is successful, a <em>trustee&#8217;s\ndeed <\/em>will convey the title, both legal and equitable, to the\nsuccessful bidder.&nbsp;The new homeowner then records the deed, while the\ntrustee disburses money to cover the remaining debt to the lender, and the\nborrower receives any money in excess of that payoff.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the\nauction fails to draw a buyer, then a trustee&#8217;s deed is used to convey the\nproperty to its legal owner: the lender. In this way the lender recovers the\nvalue of the security for the loan in a relatively time-efficient,\ncost-effective manner, free from the uncertainty of suing to recover the debt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Investing\nin Trust Deeds<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Investors&#8217;\ntrust deeds are loans with homes as collateral. They also come into play when\ndevelopers need to borrow money to fund their projects. Investing in trust\ndeeds for development projects can diversify a portfolio and bring high yields\nto a knowledgeable investor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\ninvest, you effectively buy a real estate loan, secured by a trust deed. You\nearn the interest from the loan. Then, at the completion of the project, you\nreceive your full principal back. This form of investment is needed because\nobtaining bank loans can be a slow, difficult exercise for today\u2019s homeowners\nand developers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are\ntrust deed brokers who facilitate these investments. To find trustworthy\nborrower, it helps to find a reputable broker.&nbsp;Be sure the real estate\ndevelopment project is appealing, and properly vetted, or that the home serving\nas collateral has equity above the amount of the loan. A well-vetted trust deed\ninvestment can bring predictable income, shielding the investment from market\nrisk.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avoid\ninvesting in a trust deed if you cannot afford to hold it until the borrower\npays off the debt. Trust deeds, in contrast to stock market investments, are\nilliquid. Investors cannot access the principal until the loan is paid. Also,\ninvestors should not expect to benefit from&nbsp;capital appreciation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Elements\nof the Deed of Trust Form<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A standard\ntrust deed form defines the terminology it employs, and typically includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Places for the three parties\u2019 names.<\/li><li>The location of the real estate.<\/li><li>The amount of the loan, principal, and interest.<\/li><li>Escrow funds.<\/li><li>Liens, insurance and maintenance.<\/li><li>Statement that buyer must occupy the property within 60 days.<\/li><li>Consequences for default or breach.<\/li><li>Power of sale clause.<\/li><li>Statement that the deed is not related to a home equity loan, but for purchase of real estate.<\/li><li>Place for the borrower&#8217;s signature, that of two witnesses, and notarization.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The long\nform deed of trust is used by institutional lenders. Non-institutional lenders\nmay use the cost-efficient <a href=\"https:\/\/www.deeds.com\/articles\/what-is-a-short-form-deed-of-trust\/\">short\nform deed of trust<\/a>&nbsp;to preserve the parties\u2019 rights and obligations.\nThe short form must be recorded with a fictitious deed of trust, also called\nthe master deed of trust. This is simply a standard&nbsp;deed of trust, blank\nand unsigned, with a cover sheet attached, requesting recording solely for\nreference.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Source<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Supporting\nReferences<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-deeds-com\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"T1YnWPR4Xz\"><a href=\"https:\/\/www.deeds.com\/articles\/youve-paid-off-the-mortgage-what-happens-now\/\">You&#8217;ve Paid Off the Mortgage. What Happens Now?<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;You&#8217;ve Paid Off the Mortgage. What Happens Now?&#8221; &#8212; Deeds.com\" src=\"https:\/\/www.deeds.com\/articles\/youve-paid-off-the-mortgage-what-happens-now\/embed\/#?secret=caVUD6Z3mR#?secret=T1YnWPR4Xz\" data-secret=\"T1YnWPR4Xz\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-deeds-com\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"UsIL0jQfMF\"><a href=\"https:\/\/www.deeds.com\/articles\/understanding-trustees-deeds\/\">Understanding Trustee\u2019s Deeds<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Understanding Trustee\u2019s Deeds&#8221; &#8212; Deeds.com\" src=\"https:\/\/www.deeds.com\/articles\/understanding-trustees-deeds\/embed\/#?secret=8BYZ1y3gjd#?secret=UsIL0jQfMF\" data-secret=\"UsIL0jQfMF\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>With a deed of trust, a buyer pledges an interest in real estate to secure a loan. In some states this takes the place of a mortgage document. (For a list of states commonly using deeds of trust see the section&nbsp;on&nbsp;Mortgage States and Deed&nbsp;of Trust States in our previous&nbsp;post, &#8220;You&#8217;ve Paid Off the Mortgage. What [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[96],"tags":[],"class_list":["post-685","post","type-post","status-publish","format-standard","hentry","category-deed-of-trust"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is a Deed of Trust? - Deeds.com<\/title>\n<meta name=\"description\" content=\"Whereas a mortgage agreement is formed between the borrower and the lender, a deed of trust, also known as a trust deed, has one key difference.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deeds.com\/articles\/what-is-a-deed-of-trust\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a Deed of Trust? 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