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When real estate ownership changes, a deed is the legal document that transfers the ownership. What if I lose my deed? If your deed is misplaced or lost, a copy may be obtained from the Register of Deeds Office for a fee of $1 per page.
Like a mortgage, a trust deed makes a piece of real property security (collateral) for a loan. If the loan is not repaid on time, the lender can foreclose on and sell the property and use the proceeds to pay off the loan. Note: A trust deed is not used to transfer property to a living trust (use a Grant Deed for that).
What Is A Deed Of Trust? A deed of trust is an agreement between a home buyer and a lender at the closing of a property. The agreement states that the home buyer will repay the home loan and the mortgage lender will hold the property's legal title until the loan is paid in full.
Recording Fees for Kansas Deeds A recorded deed gives formal notice of the transfer to any later purchasers, creditors, and other parties. Recording cost. The register of deeds charges $21.00 to record a deed's first page and $17.00 each for other pages.
A deed of trust can benefit the lender because it typically allows a faster foreclosure on a home. Most deeds of trust have a ?non-judicial foreclosure? clause, which means that the lender won't have to wait for the court system to review and approve the foreclosure process.
If your circumstances change any you are no longer able to make your payments, your Trust Deed may fail and you will still be liable for your debts or even forced into bankruptcy.
In a trustee's deed, then, the trustee is the grantor conveying title to the grantee. In Kansas, the trustee's deed is a special warranty deed containing covenants that the grantor defends the title against claims by, through, or under the grantor and grantor's heirs.