When you have finally paid off your mortgage and you've finished with the hallelujahs and hootenannies, some legal steps are in order. The entity that financed the mortgage needs to verify legally that the deed to the property belongs to you. A deed of reconveyance, sometimes known as a deed of full reconveyance, is the successor to the paid-in-full notice from your bank.
Get the reconveyance form from your bank. If the bank does not respond, you might be able to download a form from the Internet.
Get a copy of the original deed of trust from the county recorder's office.
Add the names of the trustee (you) and trustor (bank) in the blanks provided.
Write in the date and instrument number of the original deed, as well as the book and page number, if applicable. You can find this data on the original deed of trust.
Fill in the property address and description. The description should match the description from the original deed of trust.
Sign and date the form in front of a notary public, who should affix his seal as well as provide his signature.
- Proofread all names, numbers and other data on the deed of reconveyance. Errors can make the document invalid.
D. Laverne O'Neal, an Ivy League graduate, published her first article in 1997. A former theater, dance and music critic for such publications as the "Oakland Tribune" and Gannett Newspapers, she started her Web-writing career during the dot-com heyday. O'Neal also translates and edits French and Spanish. Her strongest interests are the performing arts, design, food, health, personal finance and personal growth.