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hey everybody brett thompson here thompson law group now were doing another installment of the closing ninja classroom so the issue for today is mortgages versus diese trust if you live in virginia you did not have a mortgage you have what we call a d of trust virginia is a deed of trust state not a mortgage state theres a couple of distinctions between a mortgage and a deer trust that i wanted to share with you in the next couple of minutes here so both cases you have a borrower okay who wants the money and you have a lender all right now the borrower at closing okay on both instances is going to sign with called a promissory note alright the note the borrower at closing for the real estate transaction is going to promise to pay the lender back pursuant to the terms of the promissory note now in a mortgage state all right the borrower also delivers to the lender a mortgage document okay the mortgage document is the document that places a lien on the house and turns the house into th
