Who signs a reconveyance deed?

A reconveyance deed is a document used to transfer title back to the borrower once a debt secured by a deed of trust has been paid off. The party responsible for executing the reconveyance deed is the trustee. In a typical deed of trust scenario, the trustee holds the legal title to the property as security for the loan. When the borrower repays the loan in full, the trustee prepares and signs the reconveyance deed to transfer the title back to the borrower (the trustor).

Understanding the role of each party in the process is crucial. The beneficiary, who is usually the lender or financial institution, holds the beneficial interest in the deed of trust but does not sign the reconveyance deed. The grantor refers to the original owner of the property before it was placed in trust, and while they may have an interest in the reconveyance, they do not sign it. The grantee typically refers to the recipient of the property, similar to the borrower, but in this context, it is the trustee's role to execute the reconveyance deed. Hence, the trustee's signature is essential for the legal transfer of the property title back to the borrower.