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In this North Carolina real estate tutorial, the host defines a deed of trust as a legal instrument where the borrower pledges real estate as security for a promissory note. In simpler terms, it means that when someone borrows money to purchase a house, they agree that if they fail to repay the loan, the lender can foreclose and reclaim the property. The phrase "if you don't pay, you don't stay" emphasizes that ownership of the house is contingent on making mortgage payments. The tutorial clarifies that a deed of trust is different from a deed, as the latter represents legal title to the property.
