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The deed of trust is a security instrument between the borrower and the lender, outlining the borrower's obligations such as making payments, maintaining the property, and keeping insurance. It also details what the lender can do if these obligations are not met, including acceleration and foreclosure. The deed of trust typically includes the date, borrower and lender information, beneficiary, and trustee responsible for foreclosure. While it may seem daunting due to its length, understanding the basics can help you feel more comfortable with it.