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Texas Short Form Deed of Trust

A deed of trust (DOT), also known as a trust deed, is a document that conveys title to real property to a trustee as security for a loan until the grantor (borrower) repays the lender according to terms defined in an attached promissory note. It's similar to a mortgage, but differs in that mortgages only include two parties (borrower and lender). The laws of each state determine whether to use a deed of trust or a mortgage.

There are three parties to a deed of trust: the borrower (trustor), the lender (beneficiary), and the trustee. The trustee, typically a title agency or other disinterested party, serves two purposes: to initiate the foreclosure process for the lender if the borrower defaults on the loan, and to transfer (reconvey) the property back to the borrower after the debt is paid in full.

The short form deed covers the requirements for most non-institutional lenders. In addition to any other necessary documents, the short form adds another step of recording a master deed of trust.

A master deed of trust is a blank, unsigned long form deed of trust with a cover sheet attached, requesting recording for reference purposes only. By referencing the recorded instrument information on the master DOT, all rights and obligations of the parties are preserved. Because of this, it's generally less costly to record the short form DOT.

The deed of trust identifies the parties, the loan amount, riders (agreements), and relevant dates and terms. The property owner signs the completed deed in front of a notary. In addition, the form must meet all state and local standards for recorded documents. These requirements may change, so check with the local recording office to confirm.

Each situation is unique, so contact an attorney with questions about using a short form deed of trust, or for any other issues related to real property in Texas.

Deeds.com Texas Short Form Deed of Trust Forms Have Been Updated as Recently as Friday September 20, 2019

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Texas Short Form Deed of Trust Form