California Request for Full Re conveyance is a legal document used to transfer a deed of trust from a lender to the borrower after the loan has been paid in full. It is also known as a deed of reconveyance or reconveyance deed. This document is commonly used in California to release a borrower from the obligation of the loan and to indicate that the lien has been extinguished. It is recorded with the county recorder's office and serves as proof that the loan has been paid off. There are two types of California Request for Full Re conveyance: a Substitution of Trustee form and a Release of Deed of Trust form. The Substitution of Trustee form is used when a new trustee is appointed to the loan and the original trustee is released from the obligation. The Release of Deed of Trust form is used to release the deed of trust from the borrower and the lender and to discharge the loan obligation. Once the California Request for Full Re conveyance is recorded with the county recorder's office, it is a legally binding document that indicates the loan has been paid in full and the lien has been extinguished.
California Request for Full Reconveyance
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FAQ
Whether you get a deed of reconveyance, a full reconveyance or a satisfaction of mortgage document, it means the same thing: your loan has been repaid in full and the lender no longer has an interest in your property. In short, your home is finally all yours!
What Is A Reconveyance? A reconveyance is the return of a property's title ? sans mortgage lien ? to the original owner after they've fulfilled their obligations pursuant to the mortgage or deed of trust.
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 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.
Generally, when the borrower pays off the loan, the Trustee will record a Reconveyance.
When a deed of trust/mortgage is paid in full, you can record a Full Reconveyance from the trustee stating publicly that the loan has been paid. The Full Reconveyance Form is completed and signed by the trustee, whose signature must be notarized.
The trustor is the term used for the debtor purchasing the property, while the trustee is the title holder, often a bank or escrow company.
Once a loan has been paid off, and at the express direction of the lender (called the beneficiary), the trustee executes and delivers the deed of reconveyance to the trustor along with the original note (marked ?canceled? or ?paid in full?) and deed of trust.
When a deed of trust/mortgage is paid in full, you can record a Full Reconveyance from the trustee stating publicly that the loan has been paid. The Full Reconveyance Form is completed and signed by the trustee, whose signature must be notarized.
