Free Deed of Reconveyance

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Frequently Asked Questions

How is a Deed of Reconveyance different from a Satisfaction of Mortgage?A Deed of Reconveyance is a document which transfers title in the property back to the borrower from the Trustee and it is used to acknowledge that the borrower has fully paid what he or she owed under a Deed of Trust. A Satisfaction of Mortgage is used to acknowledge the same, but of a Mortgage agreement.

A Deed of Reconveyance is a document that transfers title in the real property to the borrower (Trustor) from the Trustee once the borrower has fully paid the debt secured by a Deed of Trust. In order to clear the Deed of Trust from the title to the property, a Deed of Reconveyance must be recorded with the Country Recorder or Recorder of Deeds. If the Trustee fails to record a deed of reconveyance within the set time limits, the Trustee may be responsible for damages as set out by statute.

In essence, the Deed of Reconveyance and Satisfaction of Mortgage both serve the same function, which is to show that the borrower has repaid the loan fully and that the lender has no further interest in the property.
Which states use a Deed of Reconveyance and which states use a Mortgage Satisfaction?The following states must use a Deed of Reconveyance: Alaska, Arizona, California, District of Columbia, Georgia, Mississippi, Missouri, Nevada, North Carolina, and Virginia.

The following states must use a Mortgage Satisfaction: Alabama, Arkansas, Connecticut, Delaware, Florida, Hawaii, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Michigan, Minnesota, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Vermont, and Wisconsin.

The following states may use either a Mortgage Satisfaction or a Deed of Reconveyance: Colorado, Idaho, Illinois, Iowa, Maryland, Montana, Nebraska, Oklahoma, Oregon, Tennessee, Texas, Utah, Wyoming, Washington, and West Virginia.

Your Deed of Reconveyance

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This document prepared by (and after recording returned to):
Name: ____________________________
Firm/Company: ____________________
Address: __________________________
Address 2: ________________________
City: _____________________________
State: Virginia
Zip Code: ________________________
Phone: ___________________________

Assessor's Property Tax Parcel/Account Number:



Above this line reserved for official use only


_________________________ of _________________________, (the "Trustee") does hereby certify and declare that the debt or other obligation in the amount of $0.00 USD, secured by the Deed of Trust executed by _________________________ of _________________________, (the "Trustor"), the Trustee, and _________________________ of _________________________, (the "Beneficiary"), dated May 28, 2017 and recorded at the Office of the Clerk of __________ on May 28, 2017 as __________________________________, has been FULLY PAID and SATISFIED. The Trustee hereby reconveys unto the Trustor, without warranty, all right, title and interest which was acquired by said Trustee under said Deed of Trust for the real property more particularly described as follows: ___________________________________________________________________________________________________________________________.

EXECUTED by _________________________ on 28th day of May, 2017.

in the presence of:


_________________________, Trustee




The foregoing Instrument was acknowledged before me this 28th day of May, 2017, by _________________________.

Notary Public

My commission expires: _____________

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