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If there's a deed of trust on a property, the lender can sell the property and pay off the loan. Whether your loan falls under the mortgage or deed of trust definition, you'll need to get approval from the lender before you sell your home for less than you owe.
Whether you have a deed of trust or a mortgage, they both serve to assure that a loan is repaid, either to a lender or an individual person. A mortgage only involves two parties the borrower and the lender. A deed of trust adds an additional party, a trustee, who holds the home's title until the loan is repaid.
A grant deed is the instrument used to transfer title to an interest in real property from one owner to someone else.A deed of trust is the security instrument given to a lender to secure a loan or other obligation. Bare naked title is deeded to the trustee, who holds the power of sale or the power to re-convey.
The grant deed is written proof that an individual owns a property. The grant deed also provides title guarantees to the new owner insurance that the property title is free of claims or liens and the new owner has the right to sell or transfer the property to another.
A conveyance of land in Oregon, or of any estate or interest therein located in Oregon, can be created, transferred, or declared by a deed in writing and should be signed by the person of lawful age (or their agent) from whom the estate or interest is intended to pass.
Retrieve your original deed. Get the appropriate deed form. Draft the deed. Sign the deed before a notary. Record the deed with the county recorder. Obtain the new original deed.
A grant deed (also known as a special warranty deed) is a property deed that makes two guarantees: The property has not been sold to anyone else. The house is not under any liens or restrictions that have not already been disclosed to the buyer.
Joint tenancy. Property owned in joint tenancy automatically passes to the surviving owners when one owner dies.In Oregon, each co-owner must own an equal share. A transfer to a husband and wife creates a tenancy by the entirety, not joint tenancy (see below).
Determine the Current Title and Vesting to Your Property. Prepare a Deed. Be Aware of Your Lender and Title Insurance. Prepare a Preliminary Change of Ownership Report. Execute Your Deed. Record Your Deed. Wait for the Deed to be Returned. Keep the Property in the Trust.