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When you finance a home purchase with a mortgage, the lender secures their investment with a lien on the property, but you, as the buyer, are granted the deed, representing your legal ownership. This means while the lender has a financial stake until the loan is fully repaid, the deed is held in your name.
What type of deed is most commonly used in Nevada?
The most common deed form in Nevada is the Grant Bargain and Sale Deed. This is a type of deed that typically involves two key elements. First, it warrants that the seller has not conveyed the property to another person.
What is the purpose of a deed of reconveyance?
A deed of reconveyance is issued when a mortgage has been paid in full. The deed of reconveyance confirms that the title has been transferred from the lender to the borrower. If a deed of reconveyance is not recorded in the local county or recorders office, the homeowner will have difficulty selling the home.
What happens when a deed of trust is paid off?
The fee is taken at closing and typically paid by the buyer.
How do I transfer a deed to a trust in Nevada?
To transfer real property into your Trust, a new deed reflecting the name of the Trust must be executed, notarized and recorded with the County Recorder in the County where the property is located. Care must be taken that the exact legal description in the existing deed appears on the new deed.
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A deed of reconveyance is a document that transfers the title of a property to the borrower from the bank or mortgage holder once a mortgage has been satisfied. It clears the lender from the title to the property.
What is substitution of trustee and deed of reconveyance in Nevada?
In a nutshell, the Substitution of Trustee and Deed of Reconveyance is a legal document that evidences security interest is being release by a lender. In most cases, the document shows that a loan has been paid off. Property owners may even receive this document if they have refinanced a loan.
Related links
NRS: CHAPTER 107 - DEEDS OF TRUST
NRS 107.073 Marginal entries; reconveyance must be recorded if deed of trust recorded by photographic process; presentation of certificate executed by trustee
Nev. Admin. Code 645B.250 - Prohibition against acting as
A mortgage company may act as substitute trustee in a deed of trust for the purpose of reconveying title to the trustor upon payment in full of the note.
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