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Substitution Of Trustee And Deed Of Reconveyance With Mortgage

State:
California
Control #:
CA-RE-MD-5623-1
Format:
Word; 
Rich Text
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FAQ

You must have your deed of reconveyance notarized and filed in the public records. Often this means taking your deed of reconveyance to the county offices. Recording this deed of reconveyance accurately is essential to providing proof of your ownership and that you paid your loan back.

A deed of trust is an agreement that puts the title of the property in trust, with the trustee as the beneficiary. Only until the debt is paid off by the borrower can a deed of reconveyance then be used to clear the deed of trust from the title to the property.

A document known as a substitution of trustee and full reconveyance identifies the person who has the authority to reconvey the property and remove the lien. Most importantly, a deed of full reconveyance, known as a satisfaction of mortgage in some states, transfers title back to the borrower.

In a nutshell, the Substitution of Trustee and Deed of Reconveyance is a legal document that evidences security interest is being release by a lender. In most cases, the document shows that a loan has been paid off. Property owners may even receive this document if they have refinanced a loan.

A deed of reconveyance is issued to borrowers once a mortgage loan has been paid in full. The document is created by the lender, is notarized, includes a legal description of the property, and is recorded in the county where the property is located.

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Substitution Of Trustee And Deed Of Reconveyance With Mortgage