Legal Templates
Simple Deed Of Trust

Simple Deed Of Trust for the United States

Simple Deed Of Trust Template for United States

A Simple Deed of Trust is a legal document used primarily in the United States that creates a security interest in real property to secure a loan or other obligation. It involves three parties: the trustor (borrower), the trustee (neutral third party), and the beneficiary (lender). Unlike a mortgage, which involves only two parties, a deed of trust places the property title with a trustee who holds it as security for the loan until repayment is complete.

Your data doesn't train Genie's AI

You keep IP ownership of your information

Generate a Bespoke Document

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Download a Standard Template

Get our United States-compliant Simple Deed Of Trust

4.6 / 5
4.8 / 5
Access for free
OR

Alternatively: Run an advanced review of an existing
Simple Deed Of Trust

Let Genie AI's market-leading legal AI identify missing terms, unusual language, compliance issues and more - in just seconds.
Upload your Doc

What is a Simple Deed Of Trust?

A Simple Deed of Trust is commonly used in U.S. real estate transactions as an alternative to mortgages, particularly in states that prefer trust deed arrangements. This document establishes a security interest in real property by placing legal title with a trustee while allowing the borrower to maintain physical possession and use of the property. The Simple Deed of Trust provides the lender with a relatively straightforward method of foreclosure through a power of sale clause, typically making it a more efficient security instrument than a traditional mortgage. It's essential for property purchases, refinancing, and construction loans, containing specific terms about the loan, property description, and parties' rights and obligations.

What sections should be included in a Simple Deed Of Trust?

1. Parties: Identification of Trustor (borrower), Trustee, and Beneficiary (lender)

2. Property Description: Legal description of the property being placed in trust including address, boundaries, and parcel numbers

3. Secured Obligation: Details of the debt or obligation being secured, including loan amount, interest rate, and payment terms

4. Power of Sale: Terms and conditions under which the property can be sold in case of default, including foreclosure process

5. Covenants and Warranties: Promises and obligations of the Trustor including property maintenance, tax payments, and insurance requirements

6. Default Provisions: Definition of default events and consequences of default

7. Governing Law: Specification of applicable state law and jurisdiction

What sections are optional to include in a Simple Deed Of Trust?

1. Insurance Requirements: Detailed insurance requirements and minimum coverage amounts, used when lender requires specific insurance provisions

2. Assignment Rights: Provisions regarding the right to assign the deed of trust, included when assignment rights need to be specifically addressed

3. Acceleration Clause: Conditions under which full payment becomes immediately due, included when lender wants ability to demand full payment under specific circumstances

4. Due on Sale Clause: Provision making the entire loan due upon sale of the property, included when lender wants to prevent property transfer without loan payoff

What schedules should be included in a Simple Deed Of Trust?

1. Schedule A - Property Description: Detailed legal description of the property including metes and bounds or lot/block description

2. Schedule B - Promissory Note: Copy of the underlying promissory note being secured by the deed of trust

3. Schedule C - Title Report: Current title report showing property ownership and existing encumbrances

4. Schedule D - Required Insurance: Detailed specifications of required insurance coverage and terms

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image

Jurisdiction

United States

Publisher

Genie AI

Document Type

Trust Deed

Sector

Real Estate

Cost

Free to use
Industries

State Property Laws: Specific state statutes governing real estate transactions and trust deeds, including state recording requirements, formalities, and foreclosure procedures

Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about credit terms and costs

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring specific disclosures and prohibiting certain practices in real estate transactions

Home Ownership and Equity Protection Act (HOEPA): Federal law providing additional disclosure requirements and restrictions for certain high-cost mortgage loans

Fair Housing Act: Federal law prohibiting discrimination in real estate transactions based on protected characteristics

Statute of Frauds: Legal requirement that real estate transactions must be in writing to be enforceable

Notarization Requirements: State-specific requirements for document notarization and witness signatures

Recording Requirements: Local and state requirements for recording property documents with appropriate government offices

Property Description Requirements: Legal requirements for accurate and complete property descriptions in deed documents

Party Identification Requirements: Legal requirements for proper identification and documentation of all parties involved (Trustor, Trustee, and Beneficiary)

Property Law Principles: Common law principles governing real property rights, transfers, and obligations

Contract Law Fundamentals: Basic principles of contract law including offer, acceptance, consideration, and enforceability

Trust Law Basics: Fundamental principles governing the creation and administration of trusts

Title Insurance Requirements: Requirements and considerations for title insurance coverage and policies

Chain of Title Verification: Process and requirements for verifying the historical chain of property ownership

Property Encumbrances: Requirements for identifying and addressing existing liens, easements, and other encumbrances on the property

Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

Find the exact document you need

No matches found.

Package Deed Of Trust

A U.S. legal instrument that creates a three-party security interest in real property, combining standard provisions into a comprehensive package.

find out more

Deed Of Trust Refinance

A U.S. legal document securing a refinanced loan with real property as collateral, typically used in deed of trust states.

find out more

Deed Of Trust Notary

A U.S. legal document creating a security interest in real property, requiring notarization and involving trustor, trustee, and beneficiary.

find out more

Trustee's Deed Foreclosure

A U.S. legal document transferring property ownership after a foreclosure sale under a deed of trust.

find out more

Trust Deed Of Amendment

A U.S. legal document used to modify existing trust agreements while maintaining compliance with federal and state trust laws.

find out more

Trust Deed Mortgage

A U.S. legal instrument that creates a three-party security interest in real property, transferring legal title to a trustee as loan security.

find out more

Tenancy In Common Trust Deed

A U.S. legal document establishing a trust for property held by multiple owners as tenants in common, defining ownership rights and management responsibilities.

find out more

Second Deed Of Trust Foreclosure

A U.S. legal document initiating foreclosure proceedings on a property secured by a second deed of trust, following state-specific foreclosure laws.

find out more

Revocable Tod Deed

A legal document used in the United States that transfers real property to designated beneficiaries upon the owner's death, while remaining revocable during the owner's lifetime.

find out more

Owelty Deed Of Trust

A U.S. legal instrument that secures a lien created during property division in divorce settlements to ensure equalization of equity between spouses.

find out more

Joint Mortgage After Trust Deed

A U.S. legal document establishing a joint mortgage arrangement on property held under a trust deed, creating shared borrower obligations and security interests.

find out more

Deed To Secure Debt

A Georgia-specific security instrument that transfers property title to a lender as collateral for a loan, while allowing the borrower to maintain possession.

find out more

Trustee Of Deed Of Trust

A U.S. legal document establishing trustee responsibilities in a deed of trust arrangement, commonly used in real estate financing.

find out more

Deed Of Trust Divorce

A U.S. legal instrument establishing a trust to manage and transfer property as part of divorce proceedings.

find out more

Deed Of Trust After Marriage

A U.S. legal document that transfers property into a trust after marriage, subject to state trust and marital property laws.

find out more

Home Equity Conversion Deed Of Trust

A U.S. legal instrument securing a reverse mortgage loan against a property, complying with federal FHA/HUD requirements.

find out more

Living Trust Deed Property

A U.S. legal document creating a living trust for property management and transfer, governed by federal and state trust laws.

find out more

Unreleased Deed Of Trust

A U.S. real estate security instrument that remains active on property records despite satisfaction of the underlying debt.

find out more

Trustee Warranty Deed

A U.S. legal instrument used by trustees to transfer real property with title warranties to a grantee.

find out more

Revolving Credit Deed Of Trust

A U.S. security instrument creating a property lien to secure a revolving credit facility, commonly used in deed of trust states.

find out more

Note Secured By Deed Of Trust Straight Note

A U.S. legal instrument evidencing a debt secured by real property through a deed of trust, establishing repayment terms and security interest.

find out more

Money Trust Deed

A U.S. legal document establishing a trust relationship for monetary assets, defining trustee powers and beneficiary rights under federal and state trust laws.

find out more

Joint Tenancy Deed Of Trust

A U.S. legal document combining joint property ownership rights with a trust structure for enhanced property management and succession planning.

find out more

Home Equity Conversion Second Deed Of Trust

A U.S. legal instrument securing a reverse mortgage as a secondary lien on a property, subject to federal and state regulations.

find out more

Existing First Trust Deed Loan

A U.S. legal instrument governing an existing first-position trust deed loan secured by real property.

find out more

Deed Of Partial Reconveyance

A U.S. legal document that releases a portion of property from a deed of trust while maintaining security interest on the remaining property.

find out more

Commission Approved Deed Of Trust

A U.S. state commission-approved security instrument that creates a three-party arrangement to secure real property as collateral for a loan.

find out more

Absolute Trust Deed

A U.S. legal document creating an irrevocable transfer of assets from a settlor to trustees for specified beneficiaries' benefit.

find out more

Trust On Death Deed

A U.S. legal document that transfers real property to designated beneficiaries upon the owner's death, avoiding probate.

find out more

Deed Of Trust Beneficiary

A U.S. legal document establishing a security interest in real property through a three-party trust arrangement.

find out more

Second Lien Deed Of Trust

A U.S. legal document creating a subordinate security interest in real property, second in priority to an existing first mortgage or deed of trust.

find out more

Deed Of Vesting Of Trust

A U.S. legal document that formally transfers ownership of assets from an individual or entity to a trust structure.

find out more

Deed Of Confirmation Of Trust

A U.S. legal document that formally confirms the existence and terms of a trust arrangement.

find out more

Short Deed Of Trust

A U.S. legal instrument that creates a security interest in real property, involving a trustor, trustee, and beneficiary.

find out more

Reverse Mortgage Deed Of Trust

A U.S. legal document securing a reverse mortgage loan against property, compliant with FHA and HUD requirements.

find out more

Grant Deed To A Revocable Trust

A U.S. legal document transferring real property ownership from an individual or entity to a revocable trust, subject to state-specific requirements.

find out more

Grant Deed And Deed Of Trust

A U.S. legal document that combines property transfer with loan security, used in real estate transactions where trust deed financing is preferred.

find out more

Future Advance Deed Of Trust

A U.S. legal document creating a security interest in real property to secure both current and future loans or advances.

find out more

Warranty Deed And Deed Of Trust

A U.S. legal document that combines property transfer (warranty deed) with loan security (deed of trust) in real estate transactions.

find out more

Deed Of Beneficial Interest

A U.S. legal document that establishes and evidences a beneficiary's interest in trust property or assets.

find out more
See more related templates

Genie’s Security Promise

Genie is the safest place to draft. Here’s how we prioritise your privacy and security.

Your documents are private:

We do not train on your data; Genie’s AI improves independently

All data stored on Genie is private to your organisation

Your documents are protected:

Your documents are protected by ultra-secure 256-bit encryption

We are ISO27001 certified, so your data is secure

Organizational security:

You retain IP ownership of your documents and their information

You have full control over your data and who gets to see it

BlogAbout UsCareers🌎 Global Site

Templates

Contract Templates

Agreement Contract
Confidentiality Notice
Disclosure Agreement
Sale and Purchase Agreement
Sales Contract
Service Agreement

Letter Templates

Employment Letter
Experience Letter
Letter of Authority
Reference Letter
Rejection Letter
Termination Letter

Policy Templates

Compliance Agreement
Employment Policy
Health and Safety Policy
Information Security Policy
Privacy Policy
Workplace Policy

Industries

Legal Services

Limited Power of AttorneyBasic Binding Side LetterLetter of IntentNon Binding Comfort LetterContract For Employing A Salaried Partner Deed of Surrender (Lease)Templates for Lawyers

Manufacturing

Consignment ContractStandard Exclusive Distribution Agreement (UK)Intercompany Services Agreement Standard Directors Service AgreementConditions of Supply Memorandum of Understanding Manufacturing Legal Templates

Construction

Vesting CertificateLetter of Claim (Pre-Action Protocol)Tenancy at WillSection 146 Notice (Remedy Breach of Lease)Notice Of Forfeiture Of Lease By LandlordLease Report (Long Form)Construction Legal Templates

Solutions

Use Cases

Company Types

Comparisons

Business Categories

Teams

Information

© 2025 Genie AI Ltd. All rights reserved

Generate Legal Docs Free

Create your first 2 documents for free
You keep IP ownership of your information
Your data doesn't train Genie's AI
2 Docs LeftAccess Now
*No registration required