| Document Type | Definitions |
|---|---|
| AFFIDAVIT | A document that gives a written or printed declaration or statement of facts and is confirmed by an oath or affirmation. |
| ASSIGNMENT | A document that transfers a loan or debt (Deed of Trust and Note) to another, which gives a third party the right to the money collected in payment of the debt. |
| COVENANTS | Covenants are a list of stipulations as to how real estate may be used or what may be built or put on the real estate. (Also known as restrictive covenants.) |
| DEED | A document that legally transfers ownership of property (real estate) from one person (grantor) to another (grantee). |
| EASEMENT | A document in which the owner of real estate gives another the right to use owner's land for a special purpose such as access across one's property to get to another's property or to run a utility line. |
| DEED OF TRUST | An instrument that secures the repayment of a sum of money or the performance of other conditions. This is a three-party document: the borrower, the beneficiary, and the trustee or trustees who hold the legal title or control of the property. |
| MODIFICATION DEED OF TRUST | A document that alters, adds or cancels some of the terms or stipulations but leaves the general purposes or effect of the document intact. |
| RIGHT OF WAY | The right of passage across another's property. |
| SUBORDINATION AGREEMENT | An agreement for a document to be placed in order behind or lower than a subsequently recorded document. (Example: Agreement for a first lien Deed of Trust to be put behind or follow the second lien Deed of Trust.) |
| SUBSTITUTION OF TRUSTEE | A document through which the beneficiary, owner, or holder of the note replaces or appoints a new trustee on a Deed of Trust. |
| RECONVEYANCE | A document made by the Trustee or Substitute Trustee on the Security Instrument when the obligation has been fulfilled, to terminate the record previously filled with a Deed of Trust. |
| LIEN | A lien is a claim or legal right against assets that are typically used as collateral to satisfy a debt. |
If you need assistance, please call (801) 399-8075 or visit our office at 2380 Washington Blvd. Suite 380, Ogden, Utah 84401. Our office hours are Monday through Friday, 8 a.m. to 5 p.m.
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