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To Complete Deed Of Full Reconveyance Know All Men By These Presents That , Trustee Under The Deed Of Trust Mentioned Below, Having Duly Re Form, Follow the Steps Below:

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Hand-in-Hand Teaching Guide to create Deed Of Full Reconveyance Know All Men By These Presents That , Trustee Under The Deed Of Trust Mentioned Below, Having Duly Re Form

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Deed Of Full Reconveyance Know All Men By These Presents That , Trustee Under The Deed Of Trust Mentioned Below, Having Duly Re Form Claim Tips

okay today's session.is really covering uh four deeds that i.want you to know.uh the first deed that should come to.mind right away is the grant deed.so the grantee transferred legal title.to real property.so if you say how do you know you own.the house because.someone deeded you that house right the.previous seller.deeded you that house they were called.the grand tour.and you're the grantee if you're the new.owner and the document.that transferred legal title to real.property.was the grant deed the grant b.world's going to cover a little bit.today the trust deed.so if you have to go to a lender to.borrow money on your.home on your new home you're purchasing.or maybe you're refinancing.then you're gonna probably give them a.trust deed a trust deed.because you're asking the lender to.trust you.in exchange for lending you this money.so.when we talk about ownership of real.estate we're really talking about.a bundle of rights so you see those.trees behind me.if you can picture each branch as a.right in real property so you have one.branch and that's the right of.possession the right to physically be in.that house.another branch the right to the minerals.if there's minerals underneath that.house.another branch water rights if maybe.you're adjacent to water or a lake or.ocean another branch the right to sell.the home you have the right to sell that.home.another branch you have the right to.encumber the home.you have the right to borrow money or.lean that home if someone's willing to.use it that's collateral so.when you own real estate you have a.bundle.of rights and the first deed we.mentioned the grantee.is when a seller the grantor.says okay i intend to transfer all these.rights.and interests in this real property to.you.the grantee so a grantee transferred.legal title and it's basically.transferring all the rights of interest.in the thing oh.however i just mentioned a trustee so.when we talk about a trustee.we're saying you're giving the lender.one of those many rights that's why when.you're.financing a home bank of america is not.living with you right that's why when.you're financing home.wells fargo doesn't have the right to.borrow more money against your house.because they don't own your home.what you've given them is one of those.bundle of rights.which is the right to sell the right to.foreclose.on you in the event you default.on your promise to pay the money back so.we're gonna go a little bit into the.trustee as well.now when you pay off that loan you maybe.had a great year in real estate you.decided to.pay that loan off cash or you've been.there 30 years and you had a.fully amortized loan in which you made.principal and interest payments over.time.which you eventually paid off that home.and now.the bank is returning back to you.that right that you gave them.of foreclosure back to you and they're.going to use a deed called a deed.of re-conveyance a deed of re-convince.so we have a grantee we have a trustee.we have a deed of re-conveyance to.return back to you.and one more deed i want to go into the.quit claim deed that deed does.pretty much what it says it quits.any ownership interest you may or may.not have.in the said property so that.later on you can't say no i really did.own it so.a quitclaim deed quits any interest you.may or may not have.in a property in real property.that's why we say a quickly need is.usually used.to clear a cloud.on title so very often a house has had.many owners and that's been around for a.while.and there might be certain things that.make the.clear ownership ambiguous or uncertain.so to clear any clouds on title to clear.any.ambiguity then you might use a.quit claim deed okay i'm going to share.my screen for a second here so that.we could look at some bullet points i.want you to know when it comes to the.grantee.so first off a grantee transferred legal.title of real property.so if you see a question that says.what document is used to transfer legal.title of real property the answer is.probably going to be a grantee and.that's basically from the seller to the.buyer.and we call the seller the grantor the.holder of all the rights.and the receiver of all those rights the.grantee so we have grantor.grantee and the document itself the.grantee.now when does actual transfer take place.well we have this concept of delivery.and acceptance so when when does actual.legal.transfer occur when the grant deed is.delivered and accepted now it doesn't.necessarily mean.physically delivered it means that the.grantor.intended this transfer intended this.transfer.and the grantee intended acceptance.right the grantee may not want to accept.maybe it's a property that.has uh brown fields it's toxic waste and.it's not something they want so.when does transfer occur when you're.delivery and acceptance.and delivery again means the intent was.of the grand tour to transfer ownership.to the grantee.again the owner is referred to as the.grantor.and when we come across other sessions.that i'm going to record here.and you hear words ending in or i want.you to think that's the person that kind.of has the property.right for example the landlord the.lessor.owns the property and he gives the.lessee.the right to physically be there the.grantor.owns the property but he gives all the.rights and interest to that.grantee and when we talk about trustees.in a moment.we'll talk about the trust door being.the borrower the one that.owns the home now and they're giving the.lender a certain.right in the property the trustee.so owner is referred to the grantor the.person receiving the property referred.to the grantee.now what are some minimum requirements.for this document that we're talking.about.well we have four minimum requirements.first it must be in writing it has to be.in writing can't be verbal.it must have language in it called a.granting clause.i armando leave a grant for valuable.consideration.the property located at xyz to.you it needs a reasonable description.now.note that i'm saying reasonable and not.legal there is a difference legal is.track number lot number is a much more.detailed description.a reasonable description would be that.if this.seller happens to own two properties on.the same street.then the average person would know which.one we're talking about.from the reasonable description and then.interesting to note the grantee.is signed by the grand tour.not the grantee now you would think like.why wouldn't the grantee sign it's just.the way it is.the grantor signs their rights away.to the grantee now just as important.as what's required is to note what's.not required what's not required so it's.not required to be notarized.although it usually is it's not recorded.to be dated although it usually it is.not required to be acknowledged that's.part of the notarization the person.acknowledges themselves before a notary.public.and recording this is where a document.is taken to.in california one of i believe there's.52 counties.in california and records it at the.county recorder's office.while these usually are they're not.required to be.so on the state exam this question might.appear which of the following.is not required and they might show in.writing.granting clause recording reasonable.description and the answer would be.recording because.of what i just shared with you that.recording is not required for a valid.grant.so what transferred legal title to real.property in california.a grant deed now let's switch over to.the.trust deed the trustee.we often say that a trustee secures a.promissory note.now what's a promise here you know.that's your promise to pay the lender.back.right so you borrowed five hundred.thousand dollars for that beautiful.condo in malibu.if there's even a condo for 500 000.malibu i'm not sure.uh then the bank said great here's the.here's the contract between you and me.that says.you owe me five hundred thousand dollars.at five percent interest for 30 years.but i also need some security that in.the event you default on that promise.i have some recourse so the recourse.is you are deeding them.the right to sell your home the right to.foreclose.in the event you default on that promise.sometimes we refer to that as a trustee.transferring naked legal title because.it's so.strict of any rights except for that one.right.that you're transferring legal title but.in such a limited.situation only upon default of that.promissory note so you have the the.promise to pay the money back.and then you kind of have the the hammer.which is the trustee that says hey.this secures this because you know what.will happen if you don't pay.we also say that a trustee creates a.lien.on your home a lien on your home and.in another session when we talk about.encumbrances.we'll talk about how a trustee creates a.voluntary specific link but not today.hypothetically if you see that word.hypothecate.a good way to think about it is that it.makes the collateral.or it makes the the thing collateral for.the loan.but you still get to use it for example.if i need a couple extra bucks this.month and i take my watch to.the pawn shop well they're not going to.let me go home with it they're going to.say we'll give you the money.and come back with the money and then.we'll release the watch.but hypothecated loans like a trustee.loan.is where the collateral the house you're.using it right aren't you home.enjoying that house having your parties.doing everything else yet.it's collateral for the loan so that.that's what we mean by hypothetically.now the the wording and this is where.some people.get tricked up so let's let's try to.figure this out.so remember how earlier i said o-r is.the owner of the property the one with.the rights and interest.in the thing owned so.in the trust deed the owner of the.property the borrower.is referred to as the trust door the.trust door.and he or she deeds the right to.foreclose.to the trustee okay so we have trustor.trustee however when we're working with.a trustee.there's three parties there's the.borrower which we call the trustor.there's the trustee that actually works.for the lender.works for the lender and then there's.the lender themselves the beneficiary.so a trustee has a trust door a trustee.and a beneficiary the trust door is the.borrower.the one signing the promise to pay the.money back and also.deeding the right to foreclose to this.third party.that really works for the lender called.the trustee.who's holding that right of foreclosure.for the benefit of the lender.now as long as you're paying you'll.never hear from the trustee.but then in the event you default then.the beneficiary will probably call the.trustee and say hey i.i need you to start the foreclosure.process.now if you pay off that loan also the.lender.the beneficiary will probably call the.trustee and say hey.they paid me off the loan is satisfied.go ahead and give them back that right.of foreclosure that you gave me.and that's that deed of re-conveyance.deed of re-conveyance that's recorded by.the trustee the one holding the right to.foreclose.for the benefit of the trust door.remember the trustworthy borrower.and that removes the lien once the loan.is.paid in full and a quick claim deed.we'll say a quick claim beat offers no.warranties.no no real promises it really literally.just says.i have no interest in this property and.i can't come back later on once i filled.out a quick landing and say i did.so a quick claim deed offers no.warranties.it really quits any interest you have or.may not have in the property and we say.it's often used to clear the cloud.on title okay here's a question that.might help put this all together.let's listen up i buy a home with.no financing i buy a home.with no financing i buy a home with no.financing what deed or deeds.might i have take talk to.talk if you're saying grant deed.you got it right if you said trusteed.here's why that's incorrect because the.question set up was.i bought a home with no financing which.would mean i don't have a loan.right so there would be no need for a.promissory note and a trust deed.so when i asked the question i said i.bought a home.with no financing then.a grant thieve would be there not a.trustee because i didn't have to go.borrow money from the lender.let's try another one so i paid off my.home loan with wells fargo what would.the trustee.give me back well they would give me.back.that right of foreclosure that i gave.them however the way they do that.is with another deed called a deed of.re-conveyance so what does the trustee.record for the benefit of the trust.store when the loan is paid in full.a deed of re-conveyance a deed of.re-conveyance.and finally if someone wants to.quit any interest they have in a.property or may not have in a property.but.they're being asked to do so to clear up.any clouds on title what.document would be used a quit claim.deed now does a deed have to be recorded.to be valid.what do you think no it doesn't remember.from our.grantee discussion a deed does not have.to be recorded to be valid.however it usually is so i want you to.feel comfortable with a grant deed a.trustee.a deed of reconveyance and a quit claim.deed hopefully this was helpful.

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