Deed

At a purchase closing, one paper changes who owns the house. That paper is the deed. A deed of trust or mortgage is a different paper. It gives the lender a security interest in the same property. Ownership transfer and the lender’s security right are not the same act.

CFPB’s official closing-process page names the deed as the document that transfers legal ownership and distinguishes it from the promissory note and the security instrument. That official distinction is PRIMARY.

Closing packets mix the deed, the note, and the security instrument. Readers need ownership transfer kept separate from the loan papers.

• Recording
• Title search

• Deed of trust

Do not author state deed-form variations.