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GuideToLenders is not a loan provider but only matches you with lenders that may extend a loan to you. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. There is no guarantee that you will be approved for a loan or that you will qualify for the rates displayed. The offers and rates presented on this website are estimates based on information you submit to us. Your actual rates depend on your credit history, income, loan terms and other factors. Reasonable efforts are made to compile and maintain accurate information. However all loan rates and terms, including APRs, are presented without warranty and are subject to change by the loan providers without notice.
The Deed of Trust is the document used in many Southern states in place of a mortgage to indicate that there is a promissory note (debt) on the property. The Deed of Trust outlines all loan terms and who the borrower and lender are as well as the property used to secure the mortgage. This document also notes if there are any riders, which are document addendums that apply to non-standard mortgages such as adjustable rate mortgages or loans with balloon payments.
The Deed of Trust also outlines key requirements the borrower is required to satisfy including obtaining hazard insurance and occupying the property, depending on the loan type. This document helps you understand how your mortgage works so we recommend that you carefully review the Deed of Trust before signing it. This is also the document you should refer to if you have any questions about your loan or payment after closing. Please note that this is an example Deed of Trust document that should be used for informational purposes only.