assignment of deed of trust definition

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Deed Of Trust: What It Is And How It Works

Updated: Mar 2, 2023, 3:15am

Deed Of Trust: What It Is And How It Works

Buying property usually comes with an avalanche of paperwork. It can be a confusing process, especially when it comes to knowing the difference between the various documents you sign. If there’s one contract that’s important to understand, however, it’s the deed of trust.

Depending on your lender and the state you live in, you may or may not need a deed of trust when financing a home purchase. Here’s what you should know about this contract and how it differs from a mortgage .

What Is a Deed Of Trust?

When you finance the purchase of a property, you will sign either a mortgage or deed of trust—but not both. You can take out a mortgage in all 50 U.S. states, while a deed of trust is only available in some states.

A deed of trust is a legal document that secures a real estate transaction. It works similarly to a mortgage, though it’s not quite the same thing. Essentially, it states that a designated third party holds legal title to your property until you’ve paid it off according to the terms of your loan. Deeds of trust are recorded in public records just like a mortgage.

How Does a Deed of Trust Work?

A deed of trust exists so that the lender has some recourse if you don’t pay your loan as agreed. There are three parties involved in a deed of trust: the trustor, the beneficiary and the trustee.

The three parties involved in a deed of trust for a real estate transaction are a:

Trustor. This is the person whose assets are being held in the trust, also known as the borrower (i.e., you). The title to your home is held by the trust until the loan is paid off. Even so, you remain the equitable owner as long as you keep paying the loan according to the terms outlined in the deed of trust. That means you enjoy all the benefits of being the homeowner, such as the right to live there and gain equity, even though you aren’t the legal title holder.
Beneficiary. The beneficiary is the party whose investment interest is being protected. Usually, that’s the lender, though it also can be an individual with whom you have a contract.
Trustee. The trustee holds the legal title of the property while you’re making payments on the loan. Trustees often are title companies, but not always. Once you’ve paid off your loan, the trustee is responsible for dissolving the trust and transferring the title to you.

If you sell the property before it’s paid off, the trustee will use proceeds of the sale to pay the lender the remaining balance (you keep the profits). If you fail to meet your payment obligations and default on the mortgage, the property would go into foreclosure , and the trustee would be responsible for selling the property.

What Is Included in a Deed of Trust

A deed of trust includes many important details about your property, loan and related terms and conditions—much of the same information you would find in your mortgage. Typically, you’ll find the following outlined in a deed of trust:

The names of the parties involved (the trustee, trustor and beneficiary)
The original loan amount and repayment terms
A legal description of the property
The inception and maturity dates of the loan
Various clauses, such as acceleration and alienation clauses
Any riders regarding the clauses outlined

It’s common for a deed of trust to include acceleration and alienation clauses. If you’re delinquent on your loan, it can trigger the acceleration clause—essentially a demand for immediate repayment of the loan. Depending on the terms, this can happen after missing just one payment, though lenders often give a few months of leeway to allow the borrower to catch up on payments. If you fail to do so under the terms outlined in the acceleration clause, the next step is formal foreclosure proceedings.

An alienation clause is also known as a due-on-sale clause and it prevents anyone who buys the property to take on the loan under its current terms. Instead, the alienation clause would dictate that the loan must be paid in full if you sell the property.

Depending on your state, the deed of trust may also include a power of sales clause. This allows for a much faster foreclosure process than if your lender had to involve the state courts in a judicial foreclosure. That said, you won’t be foreclosed on overnight under a power of sales clause; the exact process differs by state and lender. Still, if you’re facing a nonjudicial foreclosure, it can happen in a matter of months. If you want to formally fight the foreclosure, you’ll need to hire a lawyer.

States that allow power of sale foreclosures include: Alabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Georgia, Hawaii, Idaho, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, North Carolina, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia and Wyoming.

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Deed of Trust Vs. Mortgage

The terms “deed of trust” and “mortgage” are often used interchangeably, but they’re really two different things. That said, there are also some similarities. To review, here are the key ways a mortgage and deed of trust are similar as well as different.

Similarities

Public record: Both documents are recorded with the county clerk.
Subject to state law: The exact terms of a mortgage or a deed of trust depend on the local state law.
Contracts, not loans: Neither document serves as the actual loan agreement; a deed of trust or mortgage is a contract that places a lien on your property and dictates how your lender can repossess the property through foreclosure.

Differences

Parties involved: A mortgage is an agreement between a borrower and lender, while a deed of trust involves a trustor, beneficiary and trustee.
Foreclosure type: A mortgage requires a judicial foreclosure, while a deed of trust allows for a nonjudicial foreclosure.
Foreclosure timeline: Judicial foreclosure on a mortgage can be a lengthy process, while nonjudicial foreclosure through a deed of trust is much faster.

What’s the Advantage of a Trust Deed Over a Mortgage?

If the borrower defaults, a trust deed makes it possible for the lender to sell the property without having to go to court. With a mortgage, the lender has to file a foreclosure claim in court and secure a judge’s approval to sell the property. This can mean a lot of expenses for both the borrower and the lender.

If you are investing in a real estate project, a trust deed also has a few advantages over a mortgage. This is because the investor is considered the lender in the transaction, and their name is recorded on the trust deed as such. The investor can receive interest on their “loan” and the principal is repaid in full once the property has been built.

Warranty Deed Vs. Deed of Trust

Both a warranty deed and deed of trust are used to transfer the title of a property from one person to another. However, the difference between these two contracts is who is protected. As you now know, a deed of trust protects the beneficiary (lender). A warranty deed, on the other hand, protects the property owner.

When a property title is transferred with a warranty deed, ownership goes from the seller (also known as the grantor) to the buyer (also known as the grantee). The warranty deed guarantees that the previous owners, or grantor, had full ownership of the property and right to transfer it. In other words, it promises that you won’t inherit any liens or future claims against the property. It provides peace of mind that you own the property outright once the title is in your name.

Are Trust Deeds a Good Idea?

Trust deeds could be a good idea if you are an investor searching for options to earn passive income, while also being protected via the deed. However, investing in real estate is unpredictable and returns are never guaranteed. A trust deed does not reduce the probability of default or ensure that you will recoup your initial investment.

Consult with a financial advisor or investment professional before going down this route.

Personal finance writer Casey Bond contributed to this article.

Get Forbes Advisor’s ratings of the best mortgage lenders, advice on where to find the lowest mortgage or refinance rates, and other tips for buying and selling real estate.

Frequently Asked Questions (FAQs)

What is an assignment of deed of trust.

An assignment of trust deed is necessary if a lender sells a loan secured by a trust deed. It assigns the trust deed to whoever buys the loan (such as another lender), granting them all the rights to the property. It is recorded along with the original, making it a matter of public record.

What happens with the deed of trust after you pay off your mortgage?

Once you pay off your loan, the trustee is responsible for releasing the trust and transferring the title to you. You now have full ownership of the home.

Can you sell a house with a deed of trust?

Yes, you can. However, if you are selling the house for less than the loan amount, you will need the lender’s approval. Once the property is sold, the trustee uses the proceeds to pay the lender what they are still owed. The borrower then gets any money that is left over.

How long does a deed of trust last?

A deed of trust, like a mortgage, typically has a maturity date, which is when the loan must be paid off in full. That date will vary transaction to transaction. Sometimes a deed of trust won’t have a maturity date. In this scenario, state law dictates the number of years a deed of trust lasts, anywhere from 10 to 60 years after it was recorded.

What is a purchase money deed of trust?

A purchase money deed of trust secures the funds used to buy the property. It also gives the buyer priority over any liens or encumbrances against them

Does a deed of trust show ownership?

No. A deed of trust is a legal document that secures a real estate transaction. It only shows that a designated third party holds legal title—i.e. ownership—to your property until you’ve paid it off, according to the terms of your loan.

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What is an Assignment of Trust Deed?

Assigning a deed of trust transfers it to a new lender.

Ryan McVay/Photodisc/Getty Images

1. How Can an Heir Take Title to a Deed That Has an Outstanding Mortgage?
2. Warranty Deed Vs. Deed of Trust
3. Types of Mortgage Instruments

A trust deed, formally known as a deed of trust, is used with mortgages in some states to streamline things in the event of foreclosure. As with normal mortgages, the lender may sometimes choose to assign, or transfer, the deed of trust to another lender. The assignment doesn't change the borrower's obligations under the deed of trust; she will be equally obligated to repay the new lender as well.

Deed of Trust

Mortgages using a deed of trust have the same legal effect as other types of mortgages: They allow a property buyer or owner to take out a loan that uses the property as security on that loan. But the deed of trust mortgage differs slightly by using a third party, the trustee, as part of the transaction. In order to secure the loan, the property owner transfers title in the property to the trustee via deed of trust. The trustee then holds the deed over the life of the mortgage.

Use of Deed

The trustee holds the deed of trust as evidence of his right to take title to the property on the lender's behalf if the borrower defaults, or fails to perform, on the loan. In a typical mortgage scenario, the lender must go to court for the right to foreclose on the property. In a deed of trust scenario, the lender gives the trustee the right to foreclose on the deed of trust by selling the property.

Assigning Trust Deeds

For financial benefit, lenders sometimes choose to sell their rights in deed of trust mortgages to other lenders. This process is known as assignment of the mortgage. Unless the language of the mortgage or deed of trust prohibits it, a lender may assign the deed of trust at any time over the life of the mortgage, and many mortgages go through several lenders over their lifetime.

Effect of Assignment

Assignment of a deed of trust will not affect the borrower's rights and obligations regarding the mortgage. The new lender will typically inform the borrower of the transfer, and the borrower may need to send mortgage payments to a new company, but otherwise, the assignment is not that significant from the borrower's end. If the borrower is unhappy about the assignment, she has several options: pay off the mortgage outright; take out a new mortgage with a different company in order to pay off the old one; or attempt to negotiate with the new lender to change the terms of the loan.

Cornell Legal Information Institute: Deed of Trust
U.S. Legal: Deed of Trust Law and Legal Definition
StopForeclosureFraud.com: What Is an Assignment of Mortgage?
'Lectric Law Library: Assignment of Mortgage or Deed of Trust

Erika Johansen is a lifelong writer with a Master of Fine Arts from the Iowa Writers' Workshop and editorial experience in scholastic publication. She has written articles for various websites.

How can an heir take title to a deed that has an outstanding mortgage, warranty deed vs. deed of trust, types of mortgage instruments, what is the difference between the deed of absolute sale and the deed of assignment, definition of 'trustee' in real estate, the seller's rights in a land contract mortgage, land sale contract vs. trust deed, do mortgage borrowers have to be on the title deed, transferring a deed of trust to a granddaughter, what is the collateral assignment of a life insurance policy, how to invest in property with no money down, how to transfer mortgage ownership.

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Deed of Trust

Definition of deed of trust, what is a dead of trust, difference between deed of trust and mortgage, foreclosure, power of sale, deed of trust form, assignment of deed of trust, deed of trust example concerning an assignment of deed of trust, related legal terms and issues.

A Deed of Trust can be Assigned Apart from the Note, and that often occurs just before a foreclosure. But What Does That Mean? Not Much, the Deed of Trust is Inseparable from the Note

Notes and Deeds of Trust are often assigned to different parties. The question posed is what happens if the Deed of Trust alone is assigned ? A typical assignment of the Deed of Trust alone will purport to assign “all beneficial interest under that certain Deed of Trust dated xyz..” But the long-established law in California is clear: the beneficial interest under a Deed of Trust is held by the party who holds the Note (or is entitled to enforce it), without regard to the assignment of the Deed of Trust .

The subject was again addressed by the California Courts in Domarad v. Fisher & Burke, Inc. (1969) 270 Cal. App. 2d 543 ). The Court noted that a deed of trust is a mere incident of the debt it secures and that an assignment of the debt carries with it the security. “The deed of trust is inseparable from the debt and always abides with the debt, and it has no market or ascertainable value, apart from the obligation it secures and that a deed of trust has no assignable quality independent of the debt, it may not be assigned or transferred apart from the debt, and an attempt to assign the deed of trust without a transfer of the debt is without effect. (emph. added)”

Sacramento-Deed-of-Trust-assignment-attorney

In Stockwell v. Barnum ((1908) 7 Cal. App. 413) the Court stated that this Code “is wholly foreign to deeds of trust, which, instead of creating a lien only, as in the case of a mortgage, passes the legal title to the trustee, thus enabling him in executing the trust to transfer to the purchaser a marketable record title. It is immaterial who holds the note. The transferee of a negotiable promissory note, payment of which is secured by a deed of trust whereby the title to the property and power of sale in case of default is vested in a third party as trustee, is not an incumbrancer to whom power of sale is given…” Stockwell @ 417.

And more recently “it has been established since 1908 that this statutory requirement that an assignment of the beneficial interest in a debt secured by real property must be recorded in order for the assignee to exercise the power of sale applies only to a mortgage and not to a deed of trust.” ( Calvo v. HSBC Bank USA, N.A. (2011) 199 Cal.App.4th 118 , 122.)

Why is that? There is a technical difference between the two security instruments. The mortgage only involves two parties –the borrower who grants the power of sale to the lender, and the lender who then holds the beneficial interest in the mortgage plus the power of sale. A deed of trust, on the other hand, involves three parties: the borrower, the lender, and the trustee who is granted conditional title to the encumbered property as well as the power of sale.

Thus, the deed of trust may thus be assigned one or multiple times over the life of the loan it secures. But if the borrower defaults on the loan, only the current beneficiary may direct the trustee to undertake the nonjudicial foreclosure process. “[O]nly the ‘true owner’ or ‘beneficial holder’ of a Deed of Trust can bring to completion a nonjudicial foreclosure under California law.” Yvanova v. New Century Mortgage (62 Cal. 4th 919) (2016)

An Alternative The Commercial Code also provides a mechanism for recording an assignment of the security if there has been an off-record transfer of the note but no recorded assignment of the deed of trust or mortgage. The buyer of the note can record a copy of the transfer agreement whereby the note was acquired, together with a sworn statement that a default has occurred, and in that event may proceed with a nonjudicial foreclosure. ( Cal. Com. Code, § 9607, subd. (b))

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What Is a Trust Deed?

Understanding trust deeds, trust deed vs. mortgage, what is included in a trust deed, foreclosures and trust deeds.

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Trust Deed: What It Is, How It Works, Example Form

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A trust deed —also known as a deed of trust —is a document sometimes used in real estate transactions in the U.S. It is a document that comes into play when one party has taken out a loan from another party to purchase a property. The trust deed represents an agreement between the borrower and a lender to have the property held in trust by a neutral and independent third party until the loan is paid off.

Although trust deeds are less common than they once were, some 20 states still mandate the use of one, rather than a mortgage , when financing is involved in the purchase of real estate. Trust deeds are common in Alaska, Arizona, California, Colorado, Idaho, Illinois, Mississippi, Missouri, Montana, North Carolina, Tennessee, Texas, Virginia, and West Virginia.

A few states—such as Kentucky, Maryland, and South Dakota—allow the use of both trust deeds and mortgages.

Key Takeaways

In financed real estate transactions, trust deeds transfer the legal title of a property to a third party—such as a bank, escrow company, or title company—to hold until the borrower repays their debt to the lender.
Trust deeds are used in place of mortgages in several states.
Investing in trust deeds can provide a high-yielding income stream.

A trust deed is a transaction between three parties:

Lenders , officially known as beneficiaries . These are the interests a trust is supposed to protect.
A borrower , otherwise known as a trustor . This is the person who establishes a trust.
A trustee , a third party charged with holding the entrusted property until a loan or debt is paid for in full.

In a real estate transaction—the purchase of a home, say—a lender gives the borrower money in exchange for one or more promissory notes linked to a trust deed. This deed transfers legal title to the real property to an impartial trustee , typically a title company, escrow company, or bank, which holds it as collateral for the promissory notes . The equitable title—the right to obtain full ownership—remains with the borrower, as does full use of and responsibility for the property.

This state of affairs continues throughout the repayment period of the loan. The trustee holds the legal title until the borrower pays the debt in full, at which point the title to the property transfers to the borrower. If the borrower defaults on the loan, the trustee takes full control of the property.

Trust deeds and mortgages are both used in bank and private loans for creating liens on real estate, and both are typically recorded as debt in the county where the property is located. However, there are some differences.

Number of Parties

A mortgage involves two parties: a borrower (or mortgagor) and a lender (or mortgagee). When a borrower signs a mortgage, they pledge the property as security to the lender to ensure repayment.

In contrast, a trust deed involves three parties: a borrower (or trustor), a lender (or beneficiary), and the trustee. The trustee holds title to the lien for the lender's benefit; if the borrower defaults, the trustee will initiate and complete the foreclosure process at the lender's request.

Type of Foreclosure

In the event of default, a deed of trust will result in different foreclosure procedures than a mortgage. A defaulted mortgage will result in a judicial foreclosure, meaning that the lender will have to secure a court order. Trust deeds go through a non-judicial foreclosure, provided that they include a power-of-sale clause.

Judicial foreclosures are more expensive and time-consuming than non-judicial foreclosures. This means that in states that allow them, a deed of trust is preferable to a mortgage from the lender's point of view.

Contrary to popular usage, a mortgage is not technically a loan to buy a property; it's an agreement that pledges the property as collateral for the loan.

A deed of trust will include the same type of information stated in a mortgage document, such as:

The identities of the borrower, lender, and trustee
A full description of the property to be placed in trust
Any restrictions or requirements on the use of the property while it is in trust
The terms of the loan, including principal, monthly payments, and interest rate
The terms of any late fees and penalties in the event of repayment

In addition, a trust deed will also include a power of sale clause that gives the trustee the right to sell the property if the borrower defaults.

Mortgages and trust deeds have different foreclosure processes. A judicial foreclosure is a court-supervised process enforced when the lender files a lawsuit against the borrower for defaulting on a mortgage. The process is time-consuming and expensive.

Also, if the foreclosed property auction doesn't bring in enough money to pay off the promissory note, the lender may file a deficiency judgment against the borrower, suing for the balance. However, even after the property is sold, the borrower has the right of redemption : they may repay the lender within a set amount of time and acquire the property title.

In contrast, a trust deed lets the lender commence a faster and less expensive non-judicial foreclosure, bypassing the court system and adhering to the procedures outlined in the trust deed and state law. If the borrower does not make the loan current, the property is put up for auction through a trustee's sale.

The title transfers from the trustee to the new owner through the trustee's deed after the sale. When there are no bidders at the trustee sale, the property reverts to the lender through a trustee's deed. Once the property is sold, the borrower has no right of redemption.

Furthermore, a trustee has the responsibility of paying the proceeds from the sale to the borrower and lender after the sale is finalized. The trustee will pay the lender the amount left over on the debt and pay the borrower anything that surpasses that amount, thereby allowing the lender to purchase the property.

Pros and Cons of Investing in Trust Deeds

Investors who are searching for juicy yields sometimes turn to the real estate sector—in particular, trust deeds.

In trust deed investing, the investor lends money to a developer working on a real estate project. The investor's name goes on the deed of trust as the lender. The investor collects interest on the loan; when the project is finished, the principal is returned to the investor in full. A trust deed broker usually facilitates the deal.

High-yielding income stream

Portfolio diversification

Illiquidity

No capital appreciation

What sort of developer enters this arrangement? Banks are often reluctant to lend to certain types of developments, such as mid-size commercial projects—too small for the big lenders, too big for the small ones—or developers with poor track records or too many loans. Cautious lenders may also move too slowly for developers up against a tight deadline for commencing or completing a project.

Developers like these are often in a bit of a crunch. For these reasons, trust deed investors may often expect high interest rates on their money. They can reap the benefits of diversifying into a different asset class without having to be experts in real estate construction or management. This is a form of passive investment .

Trust deed investing has certain risks and disadvantages. Unlike stocks, real estate investments are not liquid , meaning investors cannot retrieve their money on demand. Also, investors can expect only the interest the loan generates; any additional capital appreciation is unlikely.

Invested parties may exploit any legal discrepancies in the trust deed, causing costly legal entanglements that may endanger the investment. The typical investor with little experience may have difficulty, as it takes specific expertise to find credible and trustworthy developers, projects, and brokers.

Real-World Example of a Trust Deed

A short-form deed of trust document used in Austin County, Texas , covers the requirements for most lenders. The form begins with a definition of terms and spaces for the borrower, lender, and trustee to fill in their names. The amount being borrowed and the address of the property are also required.

After this section, the document goes on to specify the transfer of rights in the property and uniform covenants including:

Details about payment of principal and interest
Escrow funds
Property insurance and structure maintenance
Structure occupancy—stipulating the borrower must take up residency within 60 days

The form also includes nonuniform covenants, which specify default or breach of any of the agreement terms. And it specifies that the loan the document deals with is not a home equity loan —that is, something the borrower will receive cash from—but one for purchasing the property.

The deed of trust ends with a space for the borrower's signature, which must be done in the presence of a notary and two witnesses, who also sign.

What Is Assignment in a Deed of Trust?

In real estate law, " assignment " is simply the transfer of a deed of trust from one party to another. This usually happens when the beneficiary of a trust deed sells their loan to another lender.

What Is Reconveyance in a Deed of Trust?

In real estate law, reconveyance means the transfer of a property from a lender or trustee to a borrower. This usually happens at the end of a mortgage or other loan, when the borrower has satisfied the terms of their debt.

Who Can Be a Trustee in a Deed of Trust?

Some states have laws limiting who can act as a trustee in a deed of trust. In these states, the trustee must be a bank, credit union, thrift, title insurance company, attorney, or other company specifically authorized to hold a trust. In other states, anyone can act as a trustee.

Trust deeds are an alternative to mortgages in certain states. Instead of an agreement directly between a lender and a borrower, a trust deed places the title of a property in the hands of a third party , or trustee. Only after the borrower has satisfied the terms of their debt to the lender will the property be fully transferred to the borrower.

Rocket Lawyer. " Which States Allow Deeds of Trust? "

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Legal Zoom. " Naming a Trustee in Your Deed of Trust ."

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Using a Deed of Trust

A deed of trust is used to secure a loan on real property. Learn how this legal document can be an easy way for a lender to collateralize a loan.

Find out more about property owners

by Brette Sember, J.D.

Brette is a former attorney and has been a writer and editor for more than 25 years. She is the author of more than 4...

Understanding a deed of trust

Deed of trust vs. mortgage, wraparound mortgages, assignment of a deed of trust.

A deed of trust is a legal document that essentially puts a piece of property up as collateral for a loan. Although sometimes used in place of a mortgage, a deed of trust functions differently and makes foreclosing on the property simple for the lender.

A deed of trust is used with a loan when real property is used to secure the loan. The deed gives the lender the right to receive the proceeds of the sale of the property at auction if the loan is not paid. Unlike a warranty deed , which immediately transfers the owner's rights in the property to the buyer, a deed of trust is not intended to transfer title to a property unless the loan is unpaid.

A deed of trust has three parties:

trustor: the property owner borrowing the money
lender: the person or company making the loan, sometimes called the beneficiary
trustee: the person or company (often an escrow company ) who holds legal title to the real property under the deed and has the responsibility of selling the property at auction if the trustor doesn't make the required payments on the loan

A mortgage and a deed of trust are both used to secure a loan, which is a separate document. One difference between these two legal documents is that a deed of trust has three parties (trustor, lender, and trustee) while a mortgage has only two (lender and borrower). In the case of a mortgage, if a borrower does not pay the associated loan, the property must be foreclosed on in court so that the lender can sell it. A deed of trust, on the other hand, does not require a court process. The trustee can sell the property without a court order if the trustor does not pay. Because of this, a deed of trust allows for a faster and less expensive process if the loan is not paid.

A wraparound mortgage, also known as an inclusive deed of trust, is used when there is an existing mortgage on the property that remains in place. For example, Sandra has a mortgage on her home. Marco buys the home with the promise to pay her the monthly mortgage amount she owes, which Sandra then uses to pay the mortgage in her name. This arrangement is made legally binding with a deed of trust. If Marco doesn't pay Sandra, she forecloses and gets the property back without a court proceeding. So in essence, Marco's loan wraps around the existing mortgage to cover it, hence the name for this type of deed of trust.

Like any deed, a deed of trust can be transferred from one person to another, similar to the way a bank can sell a loan to another bank. The document that transfers a deed of trust, called an assignment of a deed of trust, must be filed in the county clerk's office to be valid.

A deed of trust is a convenient way to avoid a court proceeding if a loan is not paid. This type of nonjudicial foreclosure is quick and inexpensive for the person or company lending the money. You can prepare a deed of trust yourself or you can use an online service provider .

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Deed of Trust: Definition, Uses

A deed of trust is used in over half of states instead of a mortgage.

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Pay with points
Forecasters predict a modest decline in rates
Determining the size of your emergency fund
Go easy on yourself, and start small
Skip: Amazon devices
Starting a house-flipping business in 8 steps
The U.S. narrowly escaped debt default
Conservatorship vs. adoption
When you can and can’t be held personally responsible
What is a recruiter?
What are the requirements for delivering with DoorDash?
2. Core inflation is now higher than overall inflation
What does it mean if you have a tax lien?
Pros and cons of buying FSBO homes
What to do if your data has been compromised in a breach
Seek financial education
What percentage of people retire at 65?
Example of a residuary estate
Simple will vs. regular will
What a 720 credit score can get you
How much does a home appraisal cost?
Pros and cons of mausoleums
1. Always have a plan
Think about what you really want
How credit freezes work
‘It doesn’t matter when I take Social Security’
A 750 credit score can help get you the best rates on loans and credit cards
What does it cost to be you?
Before and after
Hang up and 'go to the source'
How does UltraFICO work?
Can I collect Social Security and other retirement benefits at age 55?
How to watch the World Cup
Primary beneficiary versus contingent beneficiary
How does Experian Boost work?
Calculate your estimated VA disability benefits
How much of your SSDI benefits are taxable?
2. Not paying ALL of your bills on time
Determine how your Social Security is taxed
2. Qualify for the best credit card deals
1. What makes mortgage brokers different from loan officers?
Out of the frying pan
Rate cuts still expected in 2024
What is a fraud alert?
What should I look for in my TransUnion credit report?
Gas prices by the numbers
Conceptualize and research your Etsy idea
What is probate court?
Visual aids motivate
1. "Your Social Security number is suspended."
Does my state have transfer on death deeds?
How work-from-home interview scams hook victims
You control communication with debt collectors
How to work with TaskRabbit
Domestic flights (within the continental U.S.)
What is the property tax deduction limit?
Many app-based drivers don’t earn minimum wage
How a home equity sharing agreement works
Front-end and back-end DTI
Overview: Best loans for first-time home buyers
What's the difference between a HELOC and a home equity loan?
What is the average American net worth?
Who qualifies for SSDI?
What assets should you not put in a living trust?
2. Find money for child care
How much Social Security does a divorced spouse get?
How to get Upwork jobs
Are lottery pools a good idea?
TransUnion credit freeze online
2023 SSI eligibility requirements
2. Big-ticket baby gear
Will mortgage forbearance affect my credit?
How’s the housing market right now?
Debt tracker tools
Investigate the alternatives
How does a home equity loan work?
Is filing for bankruptcy right for you?
1. Take inventory of your finances
6 ways to stretch your SNAP benefits
When does a mortgage recast make sense?
How the rule against perpetuities works
What is an example of the debt avalanche strategy?
Ways to earn money as a younger kid
How long does underwriting take?
Definitions: Modular vs. manufactured homes
What’s the purpose of a budget?
2. Install a browser extension
2. Rethink the turkey
What is a credit lock?
How to lower your credit utilization
Working from home jobs are growing
1. Focus on your qualifications
To compete with cash offers, find out what sellers want
Does closing a credit card hurt your credit?
Spotify Premium cost
Debt impacts credit scores of many, for better or worse
2. Find a coupon database or a browser extension
When will the IRS issue a tax levy?
Examples of personal finance in everyday life
What IDShield does
Why SSI has limits for married couples
When should you tip a pizza delivery worker extra?
Acknowledge the emotions
Average costs by project
How to place an Equifax credit freeze
Stores with some of the best return policies
3. Choose your beneficiaries and trustee(s).
Types of durable power of attorney
Pros and cons of a trust
Do you have to tip a hairdresser?
What is OASDI?
How the VA DBQ works
Looking back at 2023
Median income by state: 2022
2. Buy last year’s model
Most parents don’t plan to have more children
Signing a will for the deceased
Workers want to ride the next job wave
Hardship programs vs. debt management plans
Factors that could affect the size of your bill or tip
How to buy a house with cash
Types of POAs in Maryland
How long does it take to get a replacement Social Security card?
Lower limit, higher credit usage
Check the sales, spread out the shopping
Understanding attorneys-in-fact
Step 2: Focus on monetizable skills and ideas
Not being able to make debt payments
Misuse can lead to damaged credit
How to stop spending money
Browse coupon websites
When will home equity loan rates come down?
Are there specific resources available for people in the LGBTQ+ community who are on an entrepreneurial path or interested in starting a business?
What it looks like
Read the fine print
Most agree men should pay on the first date in hetero relationships
2. Pare down cable boxes
Credit bureau self-service websites
Is MyFICO free?
What does a virtual assistant do?
2. Create an investing strategy
How to create a quitclaim deed
Mortgage discrimination remains
Why inventory is low
My Best Buy Plus
2. Know how much debt you have
Delaying is a good idea for most people
Costco membership price
What are the different types of POA in Virginia?
What does a disability lawyer do?
Sales will persist
Many purchases come with guilt
Should I carry a balance or pay my card in full?
Why do CPNs exist?
Chapter 7 bankruptcy
How do Social Security disability benefits work?
Student loan debt can pay off
Can you use a reverse mortgage for long-term care?
How does a living trust work?
How to get started with Visible
How to use this VA disability back pay calculator
What are some smart money moves to consider ahead of a possible recession?
Notable loss of affordability for first-time buyers
Why we impulse buy
Identifying a motivated seller
How irrevocable trusts work
What contributes to payment history
Credit history vs. credit report
What is the 60/30/10 budget?
When your ex is alive: Divorced spousal benefits
Compare medication costs
1. Make sure the debt belongs to you
Other reasons why your score isn’t going up
Right of survivorship types
Define the action steps
How do you handle a default judgment?
What happens when the $600 benefit ends?
How do you get Amazon Prime Gaming?
Know how third-party scams work
Step 2: Practice saying no to requests
How Boost and UltraFICO work
Review your bill closely
Reduce your spending
How much cash can you get from a cash-out refinance?
What should my monthly grocery budget be?
What are your rights under the Fair Credit Reporting Act?
3. Pawn something
What is the 50/30/20 rule?
What can I add on to YouTube TV?
Get the Best HELOC Rate
What is required to be approved for a HELOC or home equity loan?
What is a good FICO score?
Google Sheets budget templates
Find unbiased advice on laptop models and specs
YNAB, for hands-on zero-based budgeting
What are long-term financial goals?
2024 SSI eligibility requirements
1. The lowest unemployment rate in five decades
For shoppers
2. Shopping for a house before a mortgage
Know your options
2. Get your finances in order
How to write a follow-up email after no response
Should everyone buy in bulk?
Debt and cash flow are a new challenge
SSDI benefits for depression
Advantages and disadvantages of reverse mortgages
Work out how much of your income should go to rent with the 50/30/20 rule
How does a nonworking spouse qualify for Social Security retirement benefits?
How to calculate your credit utilization ratio
What types of scoliosis qualify for disability for SSDI?
A mortgage diversifies your credit
2. Gather obituary information
How to freeze a child’s credit
Do get a home inspection for new construction
How a GRAT works
Who should get a cash-out refinance?
Pros of getting a fixed-rate HELOC
Authentic Italian ingredients
How to put your house in a trust
Best senior-specific plans
How much does Babbel Live cost?
Place a fraud alert with credit bureaus
If you’re buying a home
How to make a home budget
Track your spending for a set period
What to buy at Trader Joe’s
SSDI benefits for bipolar
Myth 2. Closing a credit card you don’t use is good for your credit
How a strike works
Short-term mortgage assistance: Forbearance
Is ‘pay for delete’ legal?
3. Do I qualify for any down payment assistance programs?
What do you think are the financial challenges Asian Americans face?
What is a modular home?
3. Catch a movie
What is the best form of asset protection?
When will lenders use it?
Real property vs. personal property: definitions and examples
The timeline to lower inflation
What does Disney+ include?
Become an authorized user
Who gets severance pay?
Tips to help you live below your means
What counts as SGA?
How to maximize Social Security benefits for married couples
Family trust vs. living trust
How do I enroll in Amazon Prime Student?
How to preplan your funeral
It’s usually best to delay
Why did you become interested in a tiny home?
How to make a monthly budget
SSI eligibility rules
1. Pay on time
How much should you tip an Uber driver?
Examples of shrinkflation
2. You can earn and redeem rewards points
Why add tradelines?
Look for savings
Grantee basic role and responsibilities
Does spending more money build credit faster?
How does earnest money work?
What to consider before quitting your job
Tablet calling is easy
Tipped minimum wages by state
Tax benefits of owning a home
2. Ask yourself 2 questions
What to expect with a credit score simulator
Budget apps for couples
2. Determine distribution
How are credit scores changing?
It's expensive to develop and build
2. Reduce your internet speed for a lower price
Where are layoffs happening?
Who's eligible for HAF?
Work-from-home trend a factor, researchers say
3. Applying for more credit
How to calculate annual income
Types of warranty deeds
Take time to review
Confidence abounds
Call lenders and service providers
What is an HOA and what does it do?
Buy: Father’s Day gifts
How to approach October sales
Health insurance: $5,000 to $20,000
How do you set up a transfer on death (TOD) deed?
3. Will it actually help?
Bad credit mortgage refinance options
Do Your Own Will benefits and drawbacks
How do you file Chapter 7 bankruptcy?
When you should seek debt relief
Secured vs. unsecured debt
What economic proposals are in Project 2025?
How much does a $100,000 annuity pay per month?
How do I access Prime Reading?
Find people with similar challenges
Late payments or bankruptcy
How does a hard inquiry affect your credit score?
Fetch Rewards
How do you report rental payments?
Social Security phone numbers
FICO vs. VantageScore
How to avoid repossession after missed car payments
Note Poshmark’s seller fees
Frugal shopping tips
Does opening a new credit card hurt your credit?
3. Look for offers from cell phone carriers
How to read your escrow analysis
Gas price inflation: What does the latest report say?
Pros and cons of a lady bird deed
You might get a better mortgage rate by refinancing
How much does a Crunch Signature membership cost?
Weigh DIY payoff methods
How much is Sling TV per month?
The mortgage underwriting process
How much does a letter of testamentary cost?
Credit freeze vs. lock
How to write a codicil in 8 steps
2. Become a virtual assistant
How voluntary repossession affects your credit and finances
Households with ongoing medical costs, insurance gaps
When can a spouse claim Social Security spousal benefits?
Ways to beef up your 680 credit score
Custom furniture: Varies
Burial at sea for veterans
What to put in an inter vivos trust
How to build credit from nothing
TV release cycle
How to write a late payment removal letter
7 takeaways while delivering takeout
How much do you tip at a restaurant?
Who manages estate sales?
2. Categorize your expenses
2. Spruce up the interior
2. Enter your personal information
What to submit with Form SS-5
4. Choose a bank or financial institution.
2. Take advantage of credit card rewards
What impact does a collection account have on your credit?
Work incentive programs
Two weeks’ notice templates
Looking back: The Fed’s rate decisions in 2023
PPI categories
2. Rakuten Cash Back Button
Is a home warranty worth the time?
What is the purpose of a QTIP trust?
What is included in an Equinox membership?
2. The Coupons App
Who receives the special minimum Social Security benefit?
Is there a Sam’s Club Membership discount?
Can I suspend my Social Security benefits if I go back to work?
Disregarding or changing the will’s instructions
Which mortgages are assumable?
For-profit piggybacking
Can I get a replacement Social Security card at my local office?
What is the U.S. unemployment rate?
How credit scores affect auto loans
Defining your money personality
Identifying wants
What is Target Circle 360 (the paid one)?
3. Stick to your list
Do: Go low-maintenance
What is a forever home?
Pros of using a real estate agent network
2. Find a recruiter on LinkedIn
Double the card, double the bonus
Waiting is best for most people
How many Instagram followers do you need to make money?
Rocket Lawyer benefits and drawbacks
Common succession planning mistakes
How much to tip various service providers
3. Pay attention to fees
Freezing your Experian credit report online
You get to customize your home
2. Set financial boundaries
How property taxes work
Research your provider and the competitors
Buy: Outdoor products
Why using a budget calendar matters
Auto loans on your credit report
Lower earners already spend all or more of their income
When is the next Mega Millions drawing?
Mortgage interest
Letters of administration vs. letters testamentary
Refinance to a longer term
What a representative payee does
How rate shopping can affect credit
Leave 30% of your income for wants
Uber vehicle requirements
How to qualify for TDIU
What affects the home appraisal cost?
Types of mausoleums
Who is most likely to earn minimum wage?
Be prepared to offer above the asking price
Costs — and acceptance — vary widely
Know what happens when you can't pay a bill
Payment increases from continuing to work
April data showed other strong jobs numbers
Start your family budget with estimates
What's at risk if you waive the home inspection?
How much does internet service cost per month?
What is not community property?
Risks of supporting adult children
Which subscriptions can you cancel?
Rules for executors doing estate accounting
What can I do to minimize damage?
Tips to work on your 630 credit score
What LegalZoom's will maker looks like
Why name a contingent beneficiary?
Start with bills that remain the same each month
What if a foreclosure doesn’t fall off after seven years?
How VA disability is calculated
Strengthen your finances
1. Gather information
Consider moving or downsizing
How do I decide whether to pay it off early?
Renting could help you age more safely and serenely
2. More complicated moves come with hourly rates
How can I budget for my electric bill?
How does probate work?
2. "Your benefits are suspended."
Why did GDP increase in Q2 2024?
1. Pay credit card balances strategically
1. Set up a payment plan
Uber Eats requirements
International flights
Steps to getting a cash-out refinance
What doesn't count as a property tax deduction?
Information you need to freeze your credit
Today’s HELOC rates
2. Credit card delinquencies
Are the rate increases working?
Pros and cons of home equity sharing agreements
When you’ll get paid
What to do if you're having trouble making your payments
When does the home inspection happen?
How is a FICO score calculated?
2. Homeowners insurance claim
Average net worth by age
Buy a laptop that’s on sale
What to look for in a credit counseling agency
What is a reasonable wedding budget?
What identity theft protection services do
Those who rely on refunds tend to file early
How to contest a will
3. Furniture
How to close your bank account so your credit isn't affected
Different types of home inspections
2. Keep it simple and easy to maintain
Rules for refinancing conventional loans
SSDI benefits for long COVID
Web searches for rent relief terms peaked, and peaked again
Get good tax advice
If your credit score is 700 or above
How to find bank-owned properties
How do reverse mortgages work?
Why should you tip your nail tech?
What to consider before joining a gym
First-time home buyer grants in West Texas
What type of anxiety qualifies for disability benefits?
The Fed makes emergency cuts when need arises
Holiday weekends
How a tax levy can affect you
How much does Apple TV+ cost when bundling with Apple One?
What is a gig worker?
How to get a power of attorney in California
How much does IDShield cost?
How much does Peacock cost for students?
What credit report errors can you dispute?
Durable POA vs. living will
Types of trusts
Do be there for the home inspection

How to get an apartment with little or no credit
Selling stuff
State minimum wages in 2024
Buy: Pet food and litter
How student loan counseling works
Ways to work on your 580 credit score
How long do you have to transfer property after death?
Is Amazon Music free with Prime?
3. Buy a pre-owned iPhone
2. Team up with a buyer's agent who understands how to buy a foreclosure
How credit scores work
Types of special needs trusts
Effect on credit scores depends on provider and debt type
How much does a Peloton bike cost? Buying vs. renting
Supply chain issues could resurface
IHDA first-time home buyer loan programs
VantageScore 3.0 vs. VantageScore 4.0
How much does AdSense pay?
How much does a 20-minute Uber cost?
Zero-based budgeting example
Pilot programs show promising results
Use technology to save money
Homebuying budgets may need a reality check
2. Use the FHFA House Price Index Calculator
Indiana first-time home buyer loan programs
Georgia first-time home buyer programs
Basic food staples
Where can I get FICO Score 9?
Ways to safeguard your 800 credit score
What else are consumers making complaints about?
What may have to change
Idaho Housing first-time home buyer programs
2. You don’t want to feel tied down
How to build a baby budget in 4 steps
Quitclaim deed loopholes
What's the maximum Social Security survivor benefit?
How to avoid overpaying for cable
Minnesota first-time home buyer loan programs
How much does an Amazon Prime Student membership cost?
Ways to learn about money
Option 1: Double the capital gains exclusion
How do you file for Chapter 13 bankruptcy?
How conservatorship works
Should you fear ‘filial responsibility’ laws?
How to designate a health care proxy or medical POA
3. Choose a payoff method
Virginia Housing first-time home buyer programs
Play favorites
Try to bring more money in
Are there free or discounted Costco memberships?
2. Rethink summer travel
Make sure your numbers match
3. Blame the increase on gas, rent and used cars
How Social Security calculates each year’s COLA
How to maximize your retirement income
How to get a tax lien removed
3. Look for contests, sweepstakes and giveaways
Credit references for utilities
Sellers are bound once the sale is pending
Understand how subscriptions impact your finances
How adding buy now, pay later loans to credit reports could help consumers
NCHFA first-time home buyer loan programs
Instrumental activities of daily living
Presumptive disability or presumptive blindness
New York state first-time home buyer programs
Communicate expectations
CHFA highlights and eligibility requirements
Visible’s two plans
Before the walk-through
Rental housing built in the construction boom comes to market
How much does a will cost?
‘If I have a shorter-than-average life expectancy, I should claim benefits early’
How to make a bequest
Reverse mortgages aren’t cheap
Affordability down overall
Who will the UltraFICO score help?
Complicated appeals process
Why does a high DTI affect new credit?
What was your debt when you started, and what is it now?
How to make money as a novice
‘It’s better to be a working student and leave college with much less debt’
Gaming Prime Day deals
Verify the seller
3. Get favorable terms on a new cell phone
Paramount+ with Showtime
Difference between a funeral and a celebration of life
TDHCA first-time home buyer loan programs
Track your progress in several ways
4. Can you qualify for bankruptcy?
Know the signs
Stop using your credit cards
4. Work today for fast cash today
Are paid surveys worth it?
What's the difference between a HELOC and a cash-out refinance?
Who offers first-time home buyer assistance?
Fast-growing places are at high risk for worsening climate conditions
What are the benefits of Amazon Prime?
3. Recover unclaimed money
Class representatives don't always get a larger payout
Why are eggs so expensive?
For SSI eligibility, what counts as a resource or asset?
2. Women are gaining on men in the labor market
4. Invest in a digital antenna
Seek help outside work
What can I do if I make a late payment?
What are the types of bankruptcy?
PHFA first-time home buyer loan programs
What are fixed expenses?
Pay off debt
Types of real estate contingencies
3. Ask for manufacturer coupons
When to use a credit freeze
What type of depression qualifies for disability?
What to know about Social Security disability benefits
First-time home buyer grants across Florida
What to do if you spot a problem
The measure of low income can vary
Who offers first-time home buyer education?
The flip side
3. An Airbnb or hotel rental
Exterior cost estimates
Do you have to tip pizza delivery drivers?
Tour-stop cities feel the Swift effect
Audit your spending
What is an example of per stirpes?
5. Finalize documentation.
Is 0% credit utilization bad?
3. Check prices before and after shopping
Should you hire a real estate attorney?
Mortgage payoff calculator help
What Fed Chair Powell says
Cons of getting a fixed-rate HELOC
If you pay for a credit monitoring service
Itemizing or taking the standard deduction
DHCD highlights and eligibility requirements
What is the difference between a spendthrift trust and a regular trust?
How to buy a second home
Some non-parents don’t plan to have kids because of the cost
How many credit cards should I have?
Trade the gift card for cash
Failing to notify and communicate with all beneficiaries and heirs
How does a housing co-op work?
Focus on wages
Take a break from spending in the new year
RMD table 2024
Hulu add-ons
5 ways to turn no credit into good credit
Check the appraisal report for accuracy
How long do collection accounts stay on your credit reports?
4. What is my interest rate?
NJHMFA first-time home buyer loan programs
How can I lower my gas bill?
Other options with no credit check
Ideas for spending less
Legatee vs. devisee
How retirement income from Roth accounts is taxed
4. Pay attention to prices
Lack of homes for sale is sustaining the affordability problem
Why you may want to refinance
How to dispute your Equifax report online
How to plan for your kitchen island project
What should you do?
Take out a credit-builder loan
Which states have Miller trusts?
Do you get severance if you’re fired?
4. Nix DVR service
Skip: Gym memberships
MHDC highlights and eligibility requirements
Home improvements amid a global pandemic
Disadvantages
Figure out financing
2. Use part of your down payment to pay down debt
How to set up a family trust
Pack light — and smart
Can I get VA disability for PTSD?
Rules of thumb are only a start
How landlords and property managers check credit
Start smaller, or be willing to cut back
How much is the next Powerball jackpot?
Benefits may be reduced if you’re still working
How to set up a financial power of attorney
Shrinkflation vs. skimpflation
Retiring and claiming Social Security can be separate decisions
WSHFC first-time home buyer loan programs
If you're married or divorced with a dependent child
How does DoorDash work for drivers?
Grantors and grantees in real estate
How to pay for a bankruptcy
Can I get both SSDI and SSI?
2. Your credit card balance is higher than usual
Credit age matters, but other factors matter more
How do solar panels work at night?
Check your credit score
How a simple will works
How long do children receive Social Security benefits?
SC Housing first-time home buyer programs
Saving, spending earning: They’re all important
2. Add to your emergency fund
How to shop Cyber Monday sales
It's in stock
How the VA disability back pay calculator works
3. Do your research
Getting an investment property mortgage
Impulse buying vs. compulsive shopping
Tips for buying from a motivated seller
How to set up an irrevocable trust
3. Think about your children
Court-ordered restitution
Am I eligible for the Flex Modification program?
Shopping searches arrive early, too
Pros and cons of the 60/30/10 budget
Build if you want to call the shots
What is a government shutdown?
Pandemic was not the only stumbling block
3 name-change procedures, 1 purpose
3 ways I paid for repairs and upgrades
Schedule recurring check-ins
Mortgage rates peaked
How much tax do I actually have to pay on my SSDI benefits?
4. Canceling your zero-balance credit cards
2. How does a mortgage broker get paid?
Skip: High-end clothing
Who is hurt the most?
After a tiny bump, inventory falls again in Q4
WHEDA first-time home buyer programs
When the pet is real
Dynamic pricing is all around you
Do I need an estate planning attorney?
How to attract clients and succeed
2. Set an offer price
What is a credit limit and where can you find it?
Calculating net worth: What are assets and liabilities?
Employment gap
How do I borrow an item from Prime Reading?
What your credit score reason code means
Home equity loan rates in 2024
How an adverse action notice can help you
How to determine the work needed and your budget
A long non-winning stretch, but still hope
Shop at a reputable retailer or refurbisher
What aid is available?
How to make more money on Poshmark
Look for lower interest rates and ways to pay more
The gray area
What is a mobile home?
How the Social Security first year of retirement rule works
How to quit your job after a month
What to look for in a personal finance tool
How does mortgage forbearance work?
Ways to lower your monthly mortgage payment
3. Getting just one quote for mortgage rates
Why your full retirement age matters
How much is YouTube Music?
Mortgage recast requirements
Why is budgeting important?
How do you get a letter of testamentary?
3. Shop wisely
Working from home job ideas
3. Transcribe audio and video
2. Get to know the roles
Pros and cons of revocable living trusts
Outdoor furniture: Summer, fall
Is burial at sea legal?
How much of your wages can be garnished?
Can you collect both spousal benefits and your own retirement benefit?
Now that the old loophole doesn’t work, what are my options?
3. Read the fine print
How much do you tip for other services?
What to wear to a job fair
Know the limitations
3. Request a credit report or reports
Deciding how much to set aside
Does Peacock offer a free plan?
Tell your manager what you learned
Getting preapproved and comparing lenders
What a mortgage payment includes
Prioritize the essentials
Are there exceptions to the 15%-20% rule?
2. Shop around online
Option 1: Sell the house and split the proceeds
What to include in your debt verification request
Distinguish between good debt and bad debt
What do employers see in a hiring credit check?
How Amazon Flex works
What is the difference between Sam’s Club memberships?
Mississippi first-time home buyer programs
Get creative to reduce expenses and increase income
How to assume a mortgage
How to apply for Social Security
'I don't have to talk to the creditors anymore'
Other alternatives to Mint
What is debt collection?
A hard inquiry can ding your score
How the cash stuffing method works
Short resignation letter example
I made a 20% down payment
What data do the credit bureaus maintain?
4. Play a game inside
Buy: Car seats and strollers
OHCS highlights and eligibility requirements
How to monetize your Instagram with fewer followers
What it takes to get a good FICO score
Definitions are blurry in some situations
Information you’ll need
How much do virtual assistants make?
You might get builder incentives
What does this mean for the Federal Reserve?
How do discretionary expenses fit into a budget?
What are the pros and cons of using home equity to pay off debt?
Understand how much data your apps use
Retiring and Social Security can be separate decisions
Skip: Major household items
What was your living situation like before?
My Best Buy Total
Respect their refusal for help
Bank collapses triggered fear of widespread failures
How to file a dispute with Experian
How to deal with a low appraisal
How to get letters of administration
What is the difference between Costco memberships?
3. Don’t assume — ask
Prices up for the season
Working with a buyer's agent to purchase a FSBO home
How to avoid a CPN scam
How to cancel an interview
Watch out for overconfidence
How old do you have to be to retire?
How is the residuary estate distributed?
Advantages of a reverse mortgage
Visible’s data speed
Identity theft risk is much higher for kids
How payment history affects your scores
How can I build my credit?
Why credit history is important
Secure and monitor your accounts
What’s happening in the banking sector?
DSHA highlights and eligibility requirements
Do I need a contingent beneficiary?
Efforts to combat hidden and junk fees
You can rebuild much sooner
What can you do now?
Why knowing your annual income matters
How do you budget for Amazon Prime Gaming?
4. Improve your chances of renting a home
Do I need a fraud alert?
What were your monthly payments and how much did you earn while you paid them?
3. It’s not available in all 50 states
Where can you work for Instacart?
Ask your provider for assistance
More grim news in home inventory
DCHFA highlights and eligibility requirements
3. "You can pay to increase your benefits."
Project 2025 calls for big changes to Medicare, Medicaid
Is Chapter 7 bankruptcy right for you?
Work some side hustles
Combine your finances, or some of them
How to claim the property tax deduction
What’s being done to bring about change
How to know who your mortgage servicer is
Where driver minimum wage rules are already in place
Use a budget planner
What else is in the Project 2025 playbook?
Other first-time home buyer resources
NerdWallet’s budget planner
What is a soft inquiry?
3. Credit card
How are my early distributions taxed?
Other ways to contact a real person at the Social Security Administration
Can you collect Social Security divorced spouse benefits and your own retirement benefits at the same time?
VantageScore range
TransUnion credit freeze by postal mail
4. Amusement park tickets
Put your information to work
3. Unemployment is low among all tracked races and ethnicities
What day is my September 2024 payment coming?
Don't wait too long to consider bankruptcy
Understand the risk
Types of second mortgages
But home prices won’t fall much, if at all
Why the rule against perpetuities matters
Products you should buy in bulk
A bright spot: lower unemployment
How to buy a bank-owned home
The latest twists
Buyers would set their agents' pay
How much rent can you afford?
How exactly does early retirement reduce my Social Security benefit?
Different levels of coverage
Use a credit utilization calculator
When will I get my 2024 tax refund?
Work accommodations for scoliosis
Does Apple TV+ allow password sharing?
13 fundamentals of personal finance
What to know about working in the gig economy
How much do estate sale companies charge?
3. Make it low-maintenance
How to fill out Form SS-5
How mortgage forbearance works
Focus on listening
A backup plan for those without emergency savings
Moving container service
CalHFA first-time home buyer loan programs
How does Social Security work?
How long do collection accounts stay on your credit report?
MaineHousing highlights and eligibility requirements
Benefits of a GRAT
What rate decisions do to the economy
3. The Camelizer
Buying and budgets in 2024
Baking supplies and real maple syrup
Does raising the minimum wage cause inflation?
Skip: Clothes you want to fit well and feel comfortable
Why does it take so long to get paid?
How much does Babbel for Business cost?
How to plan your kitchen remodel
Contact the companies involved
Should you tip all kinds of massage therapists?
Can I put off required minimum distributions if I’m still working?
Selling off assets for less than fair-market value without agreement of all beneficiaries
Why do buyers seek pocket listings?
What is a will?
What types of bipolar qualify for disability?
How to get a POA in Maryland
Myth 3. A credit check won’t impact your score
About withholding
Is the CHOICERenovation loan right for you?
What is the Target Circle™ Card (the plastic one)?
Responsibilities of an attorney-in-fact
Step 3: Research the top places to make money online
Not being able to get approved for a credit card
5. Buy the Sunday paper (for coupons)
Frozen foods
Diversify your rewards
Be honest and authentic
Many agree couples should discuss money early
5. Downsize your plan
What’s excluded from SGA?
3. Homeownership requires more ongoing work
How do you make money on TikTok Shop?
What are the tax implications of JTWROS?
Home prices are rising more slowly
How to negotiate lower bills
What experts say about Biden’s economic plans
New Hampshire Housing highlights and eligibility requirements
How to create your monthly budget calendar
Help a neighbor in need
Oklahoma first-time home buyer programs
2. Try to keep most of your credit limit available
How creditors get paid — including Medicaid
Why checking your credit is smart
Types of financial power of attorney
How much do Uber drivers make per hour?
The inflation-matching savings account
Apply for mortgage forbearance
What are the steps for getting a POA in Virginia?
Carrying a balance is costly
Deliveries could face interruptions
4. Redeem rewards
Commit 20% to savings and debt repayment
How often do these homes go back on the market?
Cultivate a positive view of aging
How much will paying off my credit card benefit my score?
Uber insurance requirements
Mausoleum costs vs. gravesite costs
How can I re-apply for SSDI benefits through the five-year rule?
Maximize your down payment
Why Google Voice?
What to do if you can't catch up on your bills
Who pays for escrow services?
Put the details in writing
How much time does a home inspection actually take?
4. Be honest about what it will take
Other tools to check your financial health
Community property states vs. common law states
Protecting your finances and relationship
‘If I claim benefits early and invest them, I’ll come out ahead’
4. Name an executor
Planning for occasional, but essential, expenses
Feds need to be firmer with local governments
Use tax-advantaged benefits when you can
When will the government shut down?
2. Gather the facts on your debt
How did you end up in debt?
How to apply for HAF
Assess your financial foundation first
5. Transferring balances to a single card
Step 3: Understand when it’s OK to feel guilty
Share your decision in a phone call
Consolidation a strategy, not a cure
Is there an upside to keeping a loan?
Renting could help you tap more equity
Retirement savings plan: 3% to 10% of salary
Advantages of a transfer on death deed
Alternatives to Do Your Own Will
Cash-out refinance requirements
5. Seek community loans and assistance
Calculate your DTI
Net worth nearly triples; homes and retirement assets climb
How the second SSI payment will be paid
How do annuities work?
How much can you make while on Social Security Disability Insurance?
What is a home equity line of credit (HELOC)?
Hiring a home inspector
What’s going on with layoffs in tech?
Will your disability benefits change when you turn 65?
How to meet your monthly savings goal
How to plan a wedding on a budget
Do you have to tip a valet?
Are identity theft protection services worth it?
What isn’t counted as an asset or resource?
Mortgage selection tips
5. Borrow with your library card
Why are gas prices going up?
Should I choose a home equity loan or a HELOC?
How to build your credit to good and beyond
Rules for refinancing FHA loans
Fixed expenses examples
If your credit score is lower than 700
4. Search a coupon database or app
International roaming: prepaid
What are the pros and cons of codicils?
Rental website data has shown rent growth slowing for some time
Two kinds of reverse mortgages
Black Friday
Goodwill letter template
Many with elevated credit scores are using them
2. Don't apply for credit too often
3. Build a budget that works for your expenses
3. Gather quotes from providers
4. Successfully answer security questions
Which taxes might come into play
Do delivery fees go to drivers?
Zero in on food
Changes made on April 8, 2024
What does a home warranty cover?
GoodTrust benefits and drawbacks
Don't get in the home inspector’s way
4. Team up to buy in bulk
Is a home warranty worth the hassle?
Advantages of putting a house in trust
What does it cost?
3. Search for foreclosed homes near you
Build credit without debt
Paying off a collections account could help you in other ways
Try wish list apps
How does Apple Music fit into your budget?
Why ‘pay for delete’ is becoming outdated
Manufactured vs. modular homes
Can your Uber fare change?
Keep sales tax holidays in mind
Are rents increasing or decreasing?
Is buying a condo a good idea?
The economy negatively impacting outlooks
How should I organize records?
5. Play a game outside
Authorized user status might not be enough for future lenders
Starter home vs. forever home
Strategies to build your 695 credit score
Cons of using a real estate agent network
3. Reach out to the recruiter on LinkedIn
Claim Social Security before or after retiring
Alternatives to Rocket Lawyer
Does Disney+ allow password sharing?
What’s included in a severance package
Buy: Fitness equipment
Why does CPI matter?
How to set up a GST
How to calculate property tax rates
Quitclaim deed tax implications
3. Use home buyer assistance programs
Who qualifies for Social Security survivors benefits
Creditworthy minorities without access to credit
Can a will override beneficiary designations?
Other helpful resources
How much disability does PTSD get?
What proof is needed to get a Prime Student membership?
How much more will you need to retire?
When is the next Powerball drawing?
Home equity loan interest
Your decision might affect a spouse
Who should be your health care proxy or medical POA?
How to manage shrinkflation
How much will you really need to retire?
Properly report child tax credit and stimulus payments
Your time frame for rate shopping
Credit references for borrowers
Amazon Shopping
3. There’s a mistake in your credit report
Why ADLs matter
Chapter 13 bankruptcy
How much are children’s Social Security survivor benefits?
As for the advice — it’s a ‘mixed bag’
How ADUs are like swimming pools
3. Act quickly when it comes to repairs
Is Rocket Homes the same as Rocket Mortgage?
Additional cost considerations
Payment decreases from continuing to work
What’s the Fed's next move?
Increase in inventory is just a drop in the bucket
Types of wills
Tax implications of a bequest
How to cancel subscriptions on your iPhone or iPad
How to safeguard your 750 credit score
What accounting documents does the executor need to keep?
Look elsewhere for short-term needs
When your ex is dead: Divorced survivor benefits
1. Buy a big (and I mean really big) boat
LegalZoom's will maker benefits and drawbacks
Follow up with an accountability buddy
How does Audible fit into your budget?
5. Receive better car and home insurance rates
Get free advice
How to dispute your TransUnion report online
Shop now: Semiannual sales
5. Will you be able to live with the effects for years to come?
Be aware of scams, debt relief downside
Credit card debt
Best days of the week to book
Look for extra income and cash
How much is YouTube TV for 1 year?
First-time home buyer benefits and programs
Share tips on day-to-day life and long-term planning
How to calculate your net worth
What are the penalties assessed on early distributions?
4. Get down payment assistance for a home
When to opt out (or not join)
Buying a manufactured home
5. Health and beauty supplies
What’s included in a Gold’s Gym membership?
How much can the windfall elimination provision reduce my Social Security benefits?
3. Know your credit score
3. Make a plan for the down payment
What renters can do
Tend to your health
2. Build a money management blueprint
Consider debt consolidation to get out of debt faster
How do you start a budget?
4. Sell stuff online
How to avoid voluntary repossession
What’s the best way to leave a tip?
Revocable living trust vs. will
General furniture-buying tips
Can a nonworking spouse get benefits if their working spouse hasn't yet filed for Social Security?
Programs that use the federal poverty level
How to get rid of a tax levy
Median down payment by age
How many people can use Peacock at once?
Breaking down the cost to paint a house
How to set up a durable power of attorney
When will the Fed cut rates in 2024?
The challenge: Low inventory means slim pickings for buyers

How to get a fixed-rate HELOC
Home buyers and renters
Median income by city: 2021
3. ShopSavvy
Does an employer credit check hurt your score?
Amazon Music Prime vs. other streaming services
Child care eats up a significant percentage of income for many
How to avoid property transfer in probate
Ignoring taxes and debts
Space out credit applications to minimize impact
Employers are looking to adopt and adapt AI
How much does a Peloton membership cost and do I need one?
If you are starting with bad credit
Long-term mortgage assistance: Loan modification
How fast are wages growing?
Does debt collection affect your credit score?
Create a money-making strategy
The difference between earned and unearned windfalls
2. If a collection is on your report in error, dispute it
3. Get a comparative market analysis
Legatee vs. heir
How Social Security retirement income is taxed
Don’t: Feel obligated to go completely grass-free
What is your advice for LGBTQ+ people who are looking for affordable, inclusive places to move and/or retire? Any practical advice for balancing safety with a high cost of living?
How to dispute your Equifax report by mail
Why the distinction between real and personal property matters
Get a secured credit card or no-deposit credit card
How to set up a Miller trust
6. Bundle cable and internet
When you need to contact all bureaus vs. just one
Types of power of attorney
3. Spend time rather than money
Inflation is the wild card
Buy: Summer clearance
Can you describe the process and timeline?
4. Treat Europe like a theme park
How much do DoorDash drivers make?
Grantors and grantees in estate planning
Do I need a disability lawyer?
SSI vs. SSDI: Key differences
What are some risks of buy now, pay later loans?
Is earnest money refundable?
Preparing to quit your job without another lined up
Disadvantages of a reverse mortgage
How does a will work?
The venue (average cost: $5,761)
The single-family home rental market still lags
Another way to improve after a job rejection
Updates to the FDCPA rules
Student loans
Experience and expertise
What do deposit accounts have to do with credit?
The burden of medical proof
How can I bridge an income gap if I retire at 55?
Who is affected by a government shutdown?
Can you get a mortgage after foreclosure?
How combined disability ratings are calculated
2. Consult legal help
‘A greater emphasis on experiences’
Read reviews
3. Is a mortgage broker right for me?
Time your Social Security benefits
How to place a fraud alert
How did you increase your payments?
How to plan a celebration of life in 10 steps
How to lower your electric bill
How much do full-service shoppers make?
Get a secured credit card
You're protected from harassing or abusive practices
6. Ask for forbearance on bills
Why do lenders sell mortgage loans?
3. Student loans
How to calculate debt-to-income ratio for a mortgage
How long will your mortgage loan last?
What has Trump said about Project 2025?
Is a HELOC a good idea?
Is Amazon Prime Reading the same as Kindle Unlimited?
2. Consider debt consolidation
Try a simple budgeting plan
Ready to buy?
Tax credits have widespread support
VantageScore 4.0
Frugal entertainment tips
Who isn’t eligible for SSI?
Who can get a death certificate?
Allow for pop-up expenses
Is the debt avalanche method for you?
Follow-up email template
5. Visit retailer websites and apps
4. Enlist help
How to apply for Social Security spousal benefits
Negotiations would be more complex
When should I close my credit card?
What you can do about wage garnishment
Where do lottery prizes come from?
2024 tax refund schedule
4. Learn your store’s coupon policy
What is covered in a first-time home buyer class?
Mortgage payments vs. rent
Maximize your exemptions
4. Parks and beaches
What happens when you get your car repossessed?
Do you have to tip in cash?
How to protect your credit score during times of inflation
Take help where you can
What do you tip if you’re unhappy with the result?
How do you handle a collection account on your credit report?
3. Comparison shop between brands (the discount ones aren't always cheapest)
House size, style and features
How to pay off a mortgage early
Option 2: One ex keeps the house
June PPI report
Do all workers earn at least the minimum wage?
When is an appliance or system covered?
4. Wait for a promotion
What factors affect your benefit amount?
If you currently own a home
Potential issues with having multiple credit cards
Give it away
Can I keep contributing to retirement funds if I’m still working after 70½?
Don't discount Social Security entirely
How to reduce your dog grooming bill
RMD penalties
Does Hulu allow password sharing?
Reasons to buy a house with cash
Tax implications for a power of attorney in Maryland
Evaluate the 'comps'
Documents you’ll need to replace a Social Security card
What is a FICO Auto Score?
Approval can lower credit age
Prices continue rising in third quarter
Budgeting for both needs and wants
Should you sign up for Target Circle?
6. Volunteer
Cons of a condo vs. a house
6. Avoid online grocery shopping
5 ways to make money on Instagram
FAQ about freezing and unfreezing credit
Preparing for what may be next
How to become a virtual assistant
4. You’re not convinced it’s a good investment
How to make sense of your scores
Effects of redlining
Research restrictions and easements
Is there a diesel shortage?
What to know about car loan shopping
How does income affect SSI checks?
Pay off debt, maximize Social Security
3. Get a secured credit card
What happens if you don’t tip?
The risks of buying tradelines
If you're divorced and not caring for a child
7 types of identity theft and the warning signs
Where can I get a power of attorney form?
4. Inflation is slowing, but not as fast as the Fed would like
Envy is impacting some Americans’ health
Give yourself the chance to make a choice
Requirements for a Florida power of attorney
How to choose solar panels
How to write a simple will
How AI is used in hiring
Don’t make work your life
4. Know your financing options
Track expenses
Bring your own phone to Visible, or buy one
Next steps: Learn more about VA disability benefits
‘I have to claim Social Security as soon as I quit working’
Unseasonal scarcity in the second quarter
Get familiar with common scams
Online stores preferred, but fewer plan on holiday shopping
3. Determine if the debt is past the statute of limitations
Closely review all charges
Taxes on SSDI back payments
6. Co-signing credit applications
Beware the Social Security tax torpedo
Some optimism could be unrealistic…
Coping with rent increases and other uncertainties
Potentially overlooked (or underestimated) ways to save
4. There's a generous cancellation policy
4. "You owe money that has to be paid immediately."
How did personal income change in Q2 2024?
2. Apply for a medical credit card
Other credit score factors you should know about
Do you include a 401(k) in a net worth calculation?
New job out of school
Ways to get the best home equity loan rates
4. Home improvement loans
How to prevent someone from contesting a will
TransUnion credit freeze by phone
What happens when mortgage forbearance ends?
Why tracking debt matters
For sellers
Who to contact for more information
Rules for refinancing VA loans
1. Derogatory mark: Missed payments
Is YouTube Premium worth it?
Even if you say no, keep the door open
Pros, cons and differences
When to use a credit lock
What families can do
Households experiencing financial hardship
3. Tailor your application materials
What is credit used for?
Goodwill letter vs. credit dispute letter
Don’t worry about the rest
Can you qualify if you're divorced?
How to pay off debt and help your credit score
IDShield pros
4. Make it more efficient
5. Generate your credit report online
Other benefits to negotiate
How do these changes affect new customers?
What type of bank is best for a trust account?
How credit utilization affects your scores
Consider a 'what-if' scenario
Don't be afraid to negotiate with the seller
5. Shop on tax-free holidays
4. CouponCabin Sidekick
Does age affect your credit score?
Avoid credit bureaus' products
Collect the right tax forms from your lender
How to get paid
What if the executor is taking too long?
Mismanaging/neglecting estate property
What you'll need to apply for Social Security
Don’t feel pressure to buy gifts
How likely is it that the SSA will approve my SSDI application?
How to write a ‘pay for delete’ letter
5. What is the annual percentage rate?
Other perks that come with a membership
Fubo add-ons
Should you tip an Uber driver?
How to start a zero-based budget
Be strategic about clothing purchases
Where do the credit reporting bureaus get their data?
Not knowing how to build your credit score
How to stop spending money on food
Who benefits from becoming an authorized user?
How much will you need to retire?
Formalize the business
Skip: Headphones
Missouri home buyer assistance programs
You might get a builder warranty
4. Plan for taxes
Paying for home improvements
How to start a TikTok Shop as a seller
Other options for joint ownership
Quitclaim deed vs. warranty deed
4. Ask the seller to finance the purchase
Choose activities mindfully
Should you use bill negotiation services?
Eligibility
Why did you decide to build your home?
Option 2: $25,000 credit for 20-year homeowners
How to update your Social Security card
Student debt cancellation got struck down, payments resumed
10 largest lottery jackpots
You can collect at ages other than 62, 67 or 70
Is HelloFresh worth it?
Plan for future goals
Apply for loan modification
Who is eligible for a representative payee
Is the COLA guaranteed to keep up with inflation?
Inventory steadily low
5. Become an influencer to get free clothing from companies
Credit references for employment
Buying a FSBO home on your own
Keep an eye on your progress
How can I boost my credit instead of using a CPN?
TDIU qualification examples
How to measure ADLs
Make a plan for your debt
Do window upgrades enhance home value?
Working with a Rocket Homes partner agent
The scam’s not new, but it’s hot
What is an escrow account?
Buck the rules, with caution
Then get a baseline of your expenses
5. Embrace the learning curve
For those worried about layoffs, what is your advice about starting a side hustle and ensuring long-term job security?
Community property laws by state
5. Factor in fees
Reverse mortgages can be used as a relief valve
How do I apply for a Flex Modification?
Mindful spending
3. Negotiate with your internet provider for a better deal
How to implement the 60/30/10 budget
What should I do if my DTI is too high?
Layoffs spiked among tech companies in 2023
When does the U.S. Women's National Team play?
What would you have done differently?
Who can be a contingent beneficiary?
Does Experian Boost actually build your score?
Pros and cons of a right of survivorship deed
Recalibrate and celebrate your progress
6. Skip utility deposits
How Paramount+ fits into your budget
Be persistent and enlist support
Disadvantages of transfer on death deeds
2. Ask for higher credit limits
How to unfreeze your credit
3. Decide how much earnest money to offer
What factors determine your credit limit?
7. Request a payroll advance
What to know if you take online surveys
What is a FICO score used for?
The Federal Trade Commission’s budget worksheet
Game apps that pay real money: before you play
Why is net worth important?
Wipe out toxic debt first
What happens if you can’t afford to tip a valet?
My house was destroyed. Should I keep paying the mortgage?
How to prioritize goals
Why is there an egg shortage?
6. Share a friend's or relative’s account
4. Not checking credit reports and correcting errors
Waiting until after full retirement age to claim benefits
Borrow for the right reasons
How to budget for variable and fixed expenses
You could save by changing your home loan's term
Benefits of recasting a mortgage
Tax implications of the rule against perpetuities
How to find your child’s Social Security number
5. Housesit
How to plan a burial at sea
Can a retired person file for disability benefits?
Advantages of inter vivos trusts
How do streaming services fit into your budget?
How to reduce your risk
Where does lottery revenue go?
Is per-card or overall utilization more important?
How do I check my tax return status?
How does the cost of Apple TV+ fit your budget?
3. Raise your credit limit
How are estate sale items priced?
Is Peacock worth the price?
What to do after a repossession
Adjust your expectations
Your U.S. credit score won’t follow you
How are state labor markets doing?
How to get medical bills off credit reports
Disadvantages of putting a house in trust
Buy: Batteries, cables and phone cases
Is it right for you?
How does Babbel fit into your budget?
Can an employer cancel my health insurance when I turn 65?
Advantages of assumable loans for sellers
Build up your own credit
Dispute hard inquiries that don't belong to you
What is a trust?
What are the credit score ranges?
How does Hulu fit into your budget?
Sales will happen early and often
Who uses VantageScore 4.0?
How much does it cost to get a POA in Maryland?
How do you think the culture of saving influences how second- or third-generation Asian Americans manage money?
Limited usability, limited services
New CHOICERenovation provisions
How is a modular home built?
7. Visit the farmers market
Why is adoption so expensive?
Buy or skip: Amazon devices
Pros and cons of refinancing a home equity loan
Can Disney+ fit my budget?
7. Negotiate a lower rate
Need more information?
CPI vs. PPI
4. Opt for low-cost gift-giving
Builders sell homes at lower price points
Mistakes to avoid
Making good financial decisions
Graduate student worker strikes in 2024
How do you choose a beneficiary?
Pros and cons of family trusts
Adjust phone and app settings to save data
SSDI benefits for your family
What you can learn from your budget calendar
Share knowledge and resources
4. Get a credit-builder loan or secured loan
Discount points
How to check your credit score without hurting it
4. Find a budget that works for you
When you hate your job but can’t quit
How much do Uber drivers make?
Cons of reverse mortgages
Continue to learn and improve
4. You’re a victim of identity theft
Chapter 11 bankruptcy
What to complete before re-filing for SSDI benefits
Offer more earnest money
It fits your budget
Potential employers may ask about it
Pros and cons of buying an investment property
Encouraging financial independence
Can you hire someone to do the estate accounting for you?
You may need to call your ex
Use a case manager
Fourth-quarter inventory continued (slowly) recovering
Investing in timeless pieces
7. Not having enough credit diversity
Warranty deed requirements
Step 4: Explore your motivations around holiday spending
Wait for: Amazon Prime Day
Deciding whether to use Boost or UltraFICO
4. The Coupons App
How technology enables even more dynamic pricing
3. Consider other credit options
Know your priorities
Anticipate seasonal anomalies
Find a payoff method you'll stick with
Local sales
Exceptions to the windfall elimination provision
Does YouTube TV allow password sharing?
How cash-out refinances and HELOCs are similar
Watch out for scams or inaccurate information
Address reasons cited in adverse action letter
Goodbudget, for hands-on envelope budgeting
How to get a VantageScore
Lifting a TransUnion credit freeze
6. Streaming services
How long does a late payment stay on my credit report?
Who does the windfall elimination provision affect?
4. Aim for no debt other than car or home loans
Rules for refinancing USDA loans
Qualifying for a second mortgage
How much does a Crunch+ membership cost?
What’s next?
6. Check the Sunday newspaper
When voluntary repossession makes sense
Am I eligible for a reverse mortgage?
How is my Social Security benefit determined?
Credit misconceptions may lead some to not understand changes
Where to find free online books, ebooks and audiobooks for kids
5. In the street
Other ways to prepare for home costs
Information to include in your dispute letter
Searching for the right house
What comes with a 24 Hour Fitness membership?
6. Practice and teach thriftiness
How much does Social Security pay?
How much will a real estate attorney cost?
GRAT caveats to keep in mind
How to choose the right budget system
Alternatives to a cash-out refinance

Consider a home equity loan
What to consider with a home warranty
How do you set up a QTIP trust?
Strategies to keep building your 690 credit score
What are your legal rights?
5. Pick a payment plan
Consider a credit freeze or extended fraud alert
4. Make a competitive offer
Grow credit with good habits
A few tips about giving gift cards
Average monthly expenses that increased year over year
Getting a loan for a co-op
Why would a seller choose a pocket listing?
It's possible to combine relief options
Other factors can help you buy a car with bad credit
I got a mortgage preapproval
How to pay for a funeral
4. Hire a professional appraiser
Leverage your earning power
How to remove or replace an attorney-in-fact
7. Calculate your burn rate
International foods
General security tips
Freezing your Experian credit report via postal mail
Overspending is common, despite monthly budgeting
Skip: iPhone
Are the paid My Best Buy memberships worth it?
Beneficiary notification methods
How to prepare a health care proxy or medical POA
Example of an appraisal gap
3. Rewards can offset the membership fee
Inflation is not the same for everyone
5. Prioritize flexibility
How much does it cost to get a power of attorney in Virginia?
When can’t you rate shop?
How to apply for children’s Social Security survivor benefits
Strategies to keep building your 720 credit score
What about savings from energy-efficient windows?
5. Consider doing it yourself
Reasons for garage door replacement
Is Visible phone service right for you?
‘I need to apply before Social Security goes bankrupt’
6. Make your will official
How to cancel subscriptions on your Mac
2. Gather materials to dispute errors
4. Pick your method of attack
2020 buyers found homes in short supply
What to do if you aren't eligible or aren't approved for HAF
Why has my VA disability benefit changed?
3. Decide on your course of action
Prepare for next year’s taxes
Can I lift a fraud alert?
Was it difficult to make those cuts?
Everything else: Zero to thousands
DCHFA first-time home buyer programs
Older adults are the biggest target
How to avoid pet scams
Rebuilding after bankruptcy
TaskRabbit jobs to consider
Align your spending and values
How to write off property taxes if you bought or sold a house this year
Understanding the appraisal process
Net worth calculator
What are the alternatives to foreclosure?
Prime Reading vs. Kindle Unlimited
Know when the HELOC draw period ends
Prepare for additional supervision and appraisals
Hard credit inquiry or soft inquiry?
Does Max cost the same as HBO Max did?
Do you have to contact anyone to switch from SSDI to Social Security?
Why should you be worried about future earnings?
Getting started
5. Find tax credits for health insurance
Social Security disability benefits pay chart for 2024
Can your ex's current spouse collect spousal benefits if you do?
Is the debt snowball method for you?
Compare identity theft protection services
How to budget and save
Choosing a manufactured home lot
How opening a new card can help your credit
Why death certificates can be helpful
How much does a Gold’s Gym day pass cost?
How to get a home equity loan
Sling TV extras
Loans and financing
How to calculate Social Security spousal benefits
Programs in the Florida Panhandle
Types of credit
Tips for avoiding late payments
What to do when you get a garnishment judgment
Can you receive benefits if your working spouse dies?
How to apply for SSDI
4. Make rent and utility payments count
4. Select a casket or cremation container
Relish the challenge of being frugal
Moving truck rental
5. Capital One Shopping
Discounted gift cards
Taking surveys
Making money with Wag
Alternatives to spendthrift trusts
How do you sign up for a Sam’s Club membership?
Do you get paid on Pinterest?
How to get free or discounted phones
Use apps to budget
Other notable required minimum distribution (RMD) rules
Documents needed if you're changing or correcting your Social Security card
Is inflation going down?
Immediate resignation letter example
Does the cost of FuboTV fit into your budget?
How to fit Uber into your budget
Reuse, recycle
Finding the right condo for you
8. Go thrift shopping
Explore other ways to get your child credit-ready
Do: Mix it up with native plants
Seek trusted advice
How much is severance pay?
8. Seek out cheap cable
Buy: Bed and bath linens
What is bad debt?
How to pay property taxes
What you can do if mortgage discrimination happens to you
New Hampshire first-time home buyer programs
How to make an emergency fund a savings priority
Option 3: Cut capital gains tax on small landlords
If needed, arrange more guaranteed income
Inventory rises, easing competition
How to check your own credit references
Cultivate a growth mindset
Compassionate allowance
Who pays for a home appraisal?
Have an exit strategy
The pros and cons of paying yourself first
During the walk-through
How to budget with your partner
There may be fewer new construction projects to come
5 ways to limit impulse buying
Compensation that fits your case
Recovery and inequality
Holiday shopping tips for 2020
A miserly response to an expensive problem
Fix if location's a must
When was the last government shutdown?
How to rebuild credit after repossession
What triggered your decision to get out of debt the first time?
DSHA first-time home buyer loan programs
Alternatives to LegalZoom’s will maker
How to name a contingent beneficiary
Automate savings, with manual tweaks
How to make money as a Twitch Affiliate
‘Not being afraid to invest’
8. Holding high credit card balances
Check retailer policies
7. Get a job
Tap home equity — cautiously
Declining a job offer email example
What is an HOA fee?
How to dispute your TransUnion report by mail
Bonus: Quirky observances
5. Add-on services are available
Average prices relatively stable, but some metros stand out
Alternatives to a transfer on death (TOD) deed
How did GDP in 2023 compare to recent years?
What would Harris or Trump do for the economy?
4. Choose the contingencies to include
8. Take a loan from your retirement account
How to contact your servicer
Things to remember about working while on Social Security
Self-employment
What has Harris said about Project 2025?
How do you find out how much equity is in your home?
How to qualify for first-time home buyer benefits
How much does a home inspection cost?
5. Contractor financing
How to increase your net worth
Store copies in the cloud
What a good credit score can get you
Frugal DIY project tips
Full retirement age – Social Security
How long does mortgage forbearance last?
How do you set up a lady bird deed?
Rules for refinancing jumbo loans
Working YouTube Premium costs into your budget
More new construction of single-family homes
Maximize employee benefits
Does leasing a car build credit?
Boost debt payoff with budgeting
Products not to buy in bulk
Top rental increases and decreases in the U.S.
What if you can’t afford to tip or choose not to?
What it means for buyers and sellers this spring
Nongovernment benefits
Disadvantages of inter vivos trusts
Grant programs in North Texas
TV-buying tips
Factor in other costs
How does Spotify fit into your budget?
Why haven't I received my tax refund?
How much should you spend on a mattress?
5. Make a shopping list and use apps for more savings
IDShield cons
What questions should you ask an estate sale company?
Average down payment by state
Take advantage of savings programs
6. Libraries and museums
What to do once your Equifax credit freeze is in place
Alternatives to GoodTrust
Things to keep in mind
How to find help
Keep your notes handy
How to make money on Audible with affiliate marketing
4. Leverage memberships
Current reads on the housing market
Buy: Amazon bestsellers
How to cancel an Equinox membership
4. Target (with Target Circle)
Maryland first-time home buyer loan programs
What if you’re unhappy with your massage?
Some parents are taking or took steps to reduce child care costs
How can I make sure an executor is being honest?
Advantages of assumable loans for buyers
What to ask before buying a used iPhone
How to boost your score after a hard inquiry
Should you tip a dog groomer?
Submit a 'Reconsideration of Value'
Mortgage assistance tips
What about independent contractors?
How retirement income from annuities and pensions is taxed
Not being able to afford the deposit to open a secured credit card
OHCS first-time home buyer loan programs
How to maximize the benefits of shopping at Aldi
How fast does an authorized user build credit?
4. Follow up with your resume and another message
How to dispute your Equifax report by phone
Planning for a transfer of ownership
Take out a student loan
CPI vs. PPE
Should you get a home equity loan or HELOC?
Use Wi-Fi (instead of cellular) to save data
What happened at the first presidential debate?
What does a Prime Student membership include?
What’s your overall approach to finance?
Other popular ways to make money in one hour usually come with a catch
What to expect when collectors call
How do recruiters get paid?
How to work HelloFresh costs into your budget
Eliminate mortgage insurance
What is a Representative Payee Report?
Shoppers have more time to make returns
How to maintain your credit score
How to maximize earnings as an Uber driver
Plan when to claim Social Security
How the credit bureaus are reacting
How to create a power of attorney in Florida
5. Someone else used your credit card account
When can the seller keep my earnest money?
Financial assistance for ADLs
So should you follow advice from r/personalfinance?
How to make a strong offer without waiving the inspection
What is an irrevocable trust?
What internet speed do you need?
4. Bundle your services for a better combined price
2. Buy a private jet
What’s the time difference between the U.S. and the Women’s World Cup local times?
Boost vs. UltraFICO and eCredable Lift
Delaying Social Security benefits could trim your taxes
4. How do I choose a mortgage broker?
Find ways to stretch your grocery budget
How does a HELOC work?
Rebuilding your finances after bankruptcy
Will the Fed keep raising rates in 2023?
What happens if I cancel my Prime Membership?
Does YouTube TV offer offline viewing?
What happens when you move to a high-risk area
Government mortgage programs for refinancing
6. Apply for college grants
What happens if I stop mortgage payments without telling my servicer?
How to file for Social Security divorced spouse benefits
SSDI benefits and ADHD
VantageScore vs. FICO
What is the cost of contesting a will?
Other tech tools to help you manage your money
Will there be extra Social Security payments?
7. Check your app store for free downloads
5. Not having enough saved for a down payment
Will making a partial payment keep me from being reported late?
5. Reduce your tax burden
Establish credit before you're desperate
4. Create a wish list
What to do if you notice signs your boss wants you to leave
5. Downplay social media
If you’re a victim
4. Follow up with the hiring team
What else you need to know
Pros and cons of HomeStyle renovation loans
What's next?
What are the lottery payout options?
Other low-income guidelines and programs to note
5. Make it bigger
What to bring to a job fair
Pros and cons of per stirpes
Freddie Mac and Fannie Mae mortgage assistance
Resources for low-income households
Don't assume the home inspector can be held liable
Do you tip assistants?
MaineHousing first-time home buyer programs
How much Social Security will you get at 62?
Know the limits of credit monitoring services
Preparing for financial setbacks
Spendthrift trust examples
Maintain and defend your scores
How will working in retirement affect my taxes?
How to get help paying your electric bill
How to stretch your dollar at Trader Joe’s
When can I start receiving disability benefits?
What is the average VantageScore 4.0 score?
How to deal with debt collection
When store cards are a good idea
How to handle extra money
How to use the CHOICERenovation loan
Modular homes vs. site-built homes
The pros and cons of zero-based budgeting
How to create legatees
9. Go for a walk
8. Follow your favorite brands
What does this mean for your financial decisions?
How is severance pay calculated?
Shop: Martin Luther King Jr. Day sales
You can finance through the builder — or any lender you choose
Work accommodations for PTSD
Bonus: Freebies
5. Become an authorized user
Travel exceeded pre-pandemic numbers
Property taxes
Power of attorney by state
Past Social Security benefit COLA adjustments
How to find a disability lawyer
Have a rate shopping strategy
Chapter 9 bankruptcy
What a 700 credit score can get you
The upside of quitting without a job lined up
How AI could perpetuate workplace bias
How to pay for a garage door replacement
7. Update as needed
Streamlined Flex Modifications
Find your community
Calculating your potential returns
9. Unemployment leading to missed payments
Warranty deed vs. quitclaim deed
What are your plans for the extra money you have every month now?
Open your Etsy shop
What you need to work for Instacart
Get ready for the next medical bill
What to do if you think you were scammed
Factors that don't affect your credit score
Look into debt consolidation
How to get a bigger property tax deduction
What does available credit mean?
9. Borrow against life insurance
4. Applying for new credit
Will food prices go down in 2024?
Annuities taxes
3. Work with your creditors
Understand how HELOC balloon payments work
Are there upsides to partial payments?
Be inclusive
More ways to take charge of your budget
RetailMeNot
Where to save
What happens if you work beyond your first year of retirement
Don’t let Black Friday break you
How does Gold’s Gym fit into your budget?
Reasons to refinance
2. Derogatory mark: Account charge-off
What types of long COVID qualify for disability benefits?
6. Pick up weekly ads at the store
6. Write online reviews
What happens if you’re receiving disability benefits when you reach retirement age?
Does it pay to delay retirement?
The bottom line
How long does it take credit scores to go up after paying off debt?
5. Choose the location of the interment or burial
7. Aquariums and zoos
Tips for saving on house-painting costs
Save up for next time
What isn’t covered by a home warranty?
Another good time to buy appliances: After a new release
How to set up a trust
Finding a real estate attorney
Cash-out refinance costs
What is a good credit score for your age?
Over-the-counter medicine
QTIP trust vs. Grantor retained annuity trust
5 things debt collectors can do
Budgeting for Amazon Music Prime
How many Pinterest followers do you need to get paid?
Average monthly expenses that declined
Is Peloton worth it? Pros and cons
Finding a home even harder in Q3
Can other types of data help my credit reports?
Multifamily homes
Other ways to build credit
What you’ll need before refinancing
What happens next?
How does a Miller trust work?
9. Cut the cord
5. Use cash
How can I get better credit scores?
5. Don’t wait for a rate you like better
Pack snacks, grocery shop
If you're pining for 3% rates — they're not coming back
Make the incentives limited-time offers
You can take retirement savings first
4. Shopping rewards are limited to specific products
How to apply for spousal Social Security
How do you sign up for a Costco membership?
Recognize emotional triggers
How to pay for your new windows
How much will I get from SSDI benefits?
6. If you go pro, do your research
Rocket Homes pros and cons
How to keep safe
How to integrate a living trust and a will
Cooling rents still aren’t showing up in inflation data
‘Not knowing what I’m doing wrong’
What steps did you take to reduce your debt?
Pay with a credit card
Step 5: Remember holiday pressure is normal
Prices up even when they’re generally lowest
5. Santa’s Bag
Red flags that you're being scammed
Debt collectors must be truthful
Debt relief through bankruptcy
Medical bill debt
Do the math: Budgeting basics still apply
Clothes, vintage and crafts
When to take Social Security if you have a pension
What happens if my home is foreclosed?
How are HELOC payments calculated?
Is Prime Reading worth it for you?
How cash-out refinances and HELOCs are different
Does HBO Max allow password sharing?
Should you claim early Social Security benefits?
How to choose a rent-reporting service
What to do if your disability payment is late or missing
How much of your fee goes to Upwork?
Cost of a manufactured home
Why are eggs so expensive in California?
How to sign up for SSI
How can I avoid late payments?
Tax considerations
Alternatives to canceling a credit card
Mattress-buying tips
6. Use coupons strategically
When should you take a first-time home buyer education course?
5. Inspect your credit reports
Still, there are challenges
6. Read your reports and fix errors
How to minimize your estate tax burden
Making an offer
How to preserve your U.S. credit profile
How is the PPI calculated?

Retirees and near-retirees
What happens after you send a debt verification request?
Are my other types of debt a problem?
What states are increasing minimum wages in 2024?
How an Equinox membership fits into your budget
Tips to make your kitchen remodel more affordable
5. Prepare for potential difficulties
Is a Sam’s Club membership worth it?
Repurpose or DIY decor
What if you can’t afford to tip?
Calculating RMDs when you have multiple accounts
How to check your VantageScore
Additional functionality
Alternatives to ‘pay for delete’
From income to budgeting
Buy in bulk, then split costs
Now for the actual saving
Ways to increase your monthly retirement income
How do I keep documents safe?
10. Take a hike
Expenses that may arise when adopting a child
Budget earnings (and learning) for later
Bonus: National Pie Day
Getting information about an Experian credit freeze by phone
Doing it themselves
But will sellers show up?
Recent strikes in the U.S.
When will diesel prices go down?
How did you finance the tiny home?
Credit-related deal breakers
Social media may lead to overspending
6. You co-signed a loan or credit card application
Home appraisal process
And my two cents
Limit contingencies
If you pass the bankruptcy means test
Now move on to the budgeting
Communication and compatibility
Home prices rise, as expected
'Vote' for expenses you want to keep
5. Check on assistance programs for a monthly discount
Next steps: More answers about VA disability benefits
‘Build another stream of income’
10. Ignoring your credit report
Affordability remains an obstacle
How to avoid probate
How to find an estate planning attorney
Get a credit-builder product or a secured loan
3. Become an authorized user
Credit misconceptions, by generation
10. Use a credit card cash advance
Compare your net worth
Get more help with monthly budget planning
Where single-parent households can still gain ground
Does YouTube TV fit in your budget?
Home equity loan and HELOC rates
The video you should make
Watch out for Social Security scams
Can you apply for Social Security divorced spouse benefits if your ex hasn't yet applied for Social Security?
Will forbearance impact my future ability to buy a home?
What’s the Social Security payment schedule for 2024?
Are home equity loans a good idea?
How to determine when to start Social Security benefits
How do you get a second mortgage?
Renters might get a break
Disadvantages of recasting a mortgage
How do you cancel a Crunch Fitness membership?
Lower your bills
Ways to earn money as a teenager
Where to buy in bulk
8. Look at the product packaging
Who can be an executor?
How does credit utilization affect my credit score?
6. Make it smarter
8. Cafes, restaurants and bars
How to unfreeze your credit with Equifax
Condition and needed repairs
Option 3: Both keep the house for now
How long do medical bill collections stay on your credit reports?
Skip: Large furniture pieces that can be painful to return
5. CouponCabin
Controversy around employer credit checks
How to save money on Babbel
Consumer takeaways
How to set up a special needs trust
Potential impact of multiple credit cards on your credit scores
Remember gift cards can expire
What can I do if I think an executor is being dishonest?
Facing the co-op board
Disadvantages of assumable loans for sellers
Is a pocket listing a good idea?
Loyalty will pay off
6. Are you doing a hard credit check on me today?
How to save money on an Uber
3. If you already paid the debt: Ask for a goodwill deletion
How retirement income from life insurance policies is taxed
Step 4: Evaluate and pivot
Local asset protection strategies
Don’t: Blindly jump on a trend
Tips to make your kitchen island more affordable
How to pay for a roof replacement
Can you lower your property tax bill?
Revisit your plan
Set holiday expectations
6. Get a co-signer
Home office expenses
How long does it take to get letters of administration?
How to accept a job offer
6. Get travel insurance
How long does it take to make money with DoorDash?
How much do rates matter?
Where to find FSBO homes
TDIU vs. Social Security Disability Insurance (SSDI)
Terminal illnesses
Tax benefit of selling a home
How to reactivate a subscription on your Apple device
Making borrowing easier for developers
3. Buy a house. Heck, buy houses for all your friends.
Prospective buyers optimistic about 2021
How to set up a right of survivorship deed
Reevaluate your wants and needs
How to dispute your TransUnion credit report by phone
Use the power of extra payments
What is a good DTI ratio?
Conventional loans (Fannie Mae and Freddie Mac)
Look for the most flexible HELOC terms
What happens during a home inspection?
6. Cash-out refinance
Next, balance more savings and remaining debt
Not quite ready to retire?
What affects your credit score?
What if I can't contact my mortgage servicer?
What is on a death certificate?
You should probably postpone buying a house if …
You want a different type of home loan
Get organized for tax season
Before you go shopping
Tips to get through mortgage underwriting
Summary: Key differences
It’s more expensive to rent than ever before
7. Start a blog
Tax benefits
How does collecting disability benefits affect your retirement benefits?
Estimate your 2024 IRS tax refund date
How to find local and state low-income assistance programs
How do I keep my credit score from dropping?
Take advantage of nontraditional return options
How many jobs were added in Jul?
Avoiding collections in the future
The challenge: High prices push affordability to the worst it’s been in almost 40 years
Current buyer roadblocks
What happens to a 690 score with a late payment?
What is not covered by a home warranty?
How much should I spend each month?
How to handle these bills
Making minor renovations? Consider CHOICEReno eXPress
I bought a fixer-upper
What's different about buying a condo?
Most 2022 would-be buyers fell short
5. Evaluate comparable properties
Educate yourself — and your kids — about money
Why doesn’t my report show a credit score?
11. Ride a bike
9. Try out generic labels
Buy or skip: Small appliances
Tips for making a smart choice
Refinancing your primary mortgage with a home equity loan
What is your advice for people in the LGBTQ+ community looking to build generational wealth?
6. Make a debt paydown plan
What if one spouse didn’t work or doesn’t qualify for Social Security?
Striking worker totals increased by 141% in 2023
Do what makes you happy
Where to keep your emergency savings
But resales alone won’t do enough
What are 'limited resources,' and how do they affect SSI checks?
Gas prices went on a roller coaster
Dealing with financial crisis
Ways to reach out to a recruiter
How long does Experian take to resolve a dispute?
5. Manage your emotions
Appraisal gap coverage limits your exposure
How do you pay for purchases at Costco?
Future Social Security benefit COLA adjustments
How good credit references can make your life better
Explore other ways to make money on the road
Other income sources may help you retire sooner
Is there a form for power of attorney in Florida?
Chapter 12 bankruptcy
Make money with Amazon by recommending products
Try other sources of help
How we tracked prices
Play with the numbers, then play with them some more
Ways to write a will
3. Dispute credit report errors
Finding your financing
Media layoffs soared as companies struggle to profit
Keep records handy
How do you keep yourself debt-free?
Tips to protect yourself
4. Hire a medical bill advocate
Know when to call it quits
Pros and cons of a cash-out refinance
11. Look for a payday alternative loan
What does a shared equity agreement cost?
Compare lenders
Types of mortgage loans
Why is home equity important?
Is there an income limit to qualify as a first-time home buyer?
How to fit HBO Max into your budget
Can you collect SSI and Social Security disability or retirement benefits?
Watch out for scams
Compare prices and services
If you collect Social Security divorced spouse benefits, do you have to inform your ex-spouse?
ADA accommodations for ADHD
Frugal home expenses tips
How do I qualify for mortgage forbearance?
What state has the highest gas prices?
6. Missing out on first-time home buyer programs
How to calculate the windfall elimination provision
How Sling TV might fit into your budget
Where to get a HomeStyle loan
Many plan to take action over the next year to build credit score
How to protect your child from identity theft
3 appliance-buying tips
When is the PPI released?
Tires and gasoline
Exploring other options
QTIP trust vs. marital trust
Best value plans
Is it safe to buy a used phone?
Track spending
File a complaint if you suspect discrimination
How do finances show up typically in Asian American households, and what tips would you give on managing money with family or relationships?
First-time home buyer programs near Indiana
Manufactured homes
How to save money every month
How is CPI calculated?
6. Don't get distracted by things you don't need
How to designate a beneficiary
How to get conservatorship
5. Membership automatically renews
Buyer beware: Relief coming, but new concerns emerge
What to look for in a disability lawyer
7. You applied for a lot of credit
How do I apply for disability benefits?
Expect an emotional response
How to get the most from an app
What's your investment strategy for 2023?
Some metros see a small (but misleading) price dip
Why consumer advocates are concerned, and what you can do
What setbacks have you had along the way?
Fraud alert vs. credit freeze — which should I choose?
Market your Esty shop and products
How to sign up for Instacart
How much does probate cost?
Most dramatic impact: Austin, Las Vegas and Tampa
Pittsburgh: The only ‘affordable’ metro
Rely on visual aids long after debt
How much does an estate planning attorney cost?
How to freeze your child’s credit
Beware of the emotional costs of 'erasing yourself'
The most popular surveys for cash apps
How can I survive foreclosure?
Can you lose your money in an annuity?
How to use a home equity loan
Does paying rent build credit?
Alternatives to a lady bird deed
3. Derogatory mark: Repossession
How does a Crunch Fitness membership fit into your budget?
Make more money
Modular vs. manufactured: Which is right for me?
9. Browse store aisles
8. Game on Twitch
Other types of trusts
7. Buy in bulk
How to prepare for a job fair
6. Decide who will participate, and share funeral arrangement details
Mortgage types
First-time home buyer programs near California
5. Opt for economy cars
What information is not found on your credit reports?
What if I change my mind?
Take advantage of your good credit
Reach out to community organizations
How self-employment income is taxed in retirement
Reasons to change your gender on your Social Security record
Is MyFICO legit, and is MyFICO worth it?
Where to find virtual assistant jobs
Once you request your Experian credit freeze
How to deduct property taxes on your tax return
How far along are you in paying back the loan?
Keep your options open
How to find a job
What is an advanced designation or representative payee?
States that do not tax Social Security benefits
Before house hunting, get preapproved for a mortgage
How to build credit now
Be flexible about closing and move-in dates
If you fail the means test
Ready, set, save
Most rent remains unaffordable
Who can't access your credit
How many contingent beneficiaries can you have?
Freeze and monitor your credit
What happens next in a TransUnion credit dispute?
6. Store-specific apps
How to use your newfound knowledge
Don’t forget these post-wedding to-dos
Credit limit and your credit score
Keys to continued improvements
4. Seek help through debt relief
Avoid prepayment penalties
Other income that can lower your disability pay
Where to keep your documents
Should you list the job on your resume?
Rate lock-in may begin to ease
Real estate contingency deadlines
Why you may not be getting a response after an interview
What happens without an executor?
Why is having good credit important?
Strategies for keeping your credit utilization low
How to pay for improvements that increase value
Underwriting and closing
Per stirpes vs. per capita in a will
What’s the cheapest way to move?
Are Social Security benefits taxable?
Still not sure which budget system is best for you?
How to give two weeks’ notice
How to keep medical bills from hurting your credit
Minimum wage increases
Advice: Read reviews and check price history before buying
6. PayPal Honey
7. Do you charge for an interest rate lock?
Advantages of modular homes
12. Sleep in the woods
10. Use credit cards strategically
What happens to a 695 score with a late payment?
How to rent an apartment if you have credit challenges
How long will it take to rebuild my credit?
Workers scored contract wins through disruptive strikes
Medically necessary home improvements
What happens after you file your dispute?
How can you make more money with DoorDash?
5 ways to weather rising costs while receiving Social Security
Factors to consider before retiring
What do home appraisers look for?
Keep in touch
How to make money as a Twitch Partner
5. Write a purchase offer
What to do if your rights have been violated
12. Get a personal loan
Find the best HELOC lender for you
Home equity takes time to build
Home equity loans: another way to access equity
7. Community or government home repair assistance
Negotiate if necessary
What happens if I'm in foreclosure?
Manufactured home loans
Before you apply for a credit card
What if my scheduled payment date falls on a weekend or a holiday?
How do I grow my home's equity?
Average retirement age
6. Start living more in the moment
Set and stick to a repayment plan
Do you need a bankruptcy attorney?
How did rent get so expensive?
9. Sell photography
How to increase your SSDI benefit
Email templates for declining a job offer you already accepted
How much does a home buyer class cost?
What percent down payment do you need for a house?
10. Schools and universities
7. Monitor your credit regularly
FHA loan assistance
What to know about holiday return policies
What is a trust fund?
What is the current unemployment rate?
How much Social Security will you get at 67?

Keep your next Costco visit cost-effective
How can I protect myself as an executor?
Co-ops vs. condos: Which is better?
Disadvantages of assumable loans for buyers
How Peloton might fit your budget and ways to cut the cost
What factors impact your credit scores?
How to build your credit before car shopping
Resignation due to health issues letter example
Be patient with yourself and the market
Nerdy reminders about online shopping
Finding a lender
Can you negotiate severance?
Is redlining illegal?
Can kids be beneficiaries?
Were there any surprises? Would you have done anything differently?
How does your living situation affect your SSI check?
What if I think I’m a beneficiary but haven’t received a notice?
Is a Costco membership worth it?
How to apply to be a representative payee
Chapter 15 bankruptcy
Accept a loss and move on
How to report changes in earnings
What makes a good investment property?
What to do if you’re denied SSDI benefits
What information do you need to name a contingent beneficiary?
How to work for Instacart
How do AI-driven algorithms work in dynamic pricing?
5. See if you qualify for an income-driven hardship plan
Rely on yourself
HELOC requirements
Social Security and pensions for spouses and widows
Maximum and average DTI ratios by mortgage type
State first-time home buyer programs
Be mindful of how much you borrow
How do I get a FICO score?
EveryDollar, for simple zero-based budgeting
How to get a good credit score
4. AI looks to be the new frontier in the workplace
10. Check your receipts
Other ways to finance a purchase and renovation
SSDI benefits for anxiety
Where's my 2024 state tax refund? Track your status
The 50/30/20 budget calculator
Pros and cons of disputing by mail
How can you take the guesswork out of tipping?
Memberships
How to check your credit score
What is the median household income in the U.S.?
How to prepare for a hiring credit check
Advantages of a spendthrift trust
2024 veterans disability rates
Ways to uncover homes for sale
Plan travel and gifts early
First-time home buyer programs near Illinois
Homes on and off the market in a blink
Disadvantages of modular homes
4. Check your credit reports after 30 days to make sure the change was made
Are credit scores from all major bureaus the same?
3 tips to control central air conditioning installation costs
13. Gaze at the stars
11. Establish your local supermarket circuit
Do: Be a good neighbor
How to stop spending money online
Get ready to rumble
How to apply for TDIU
8. You closed an old credit card
Paying for ADL support
First-time home buyer programs near South Carolina
The wedding invitations (average cost: $215)
Try a worksheet or app
Not a DIY project
4. Give it away
Remote work and school shape wish lists
Will a credit freeze or fraud alert hurt my credit score?
What advice do you have for others trying to pay down their student loans?
Refinance options for underwater mortgages
Use a co-signer
4. Pay bills on time
Debt relief through a debt management plan
Differences between HELOCs and home equity loans
How inflation is hitting your grocery bill
Is an annuity a good investment?
Who should get a home equity loan
Home equity loan requirements
When did all of the tech layoffs start?
The house I was buying was destroyed or damaged. What happens now?
How to do well on Upwork
What state has the lowest gas prices?
7. Ignoring VA, USDA and FHA loan programs
5. Find the right mortgage for you
Alternatives to modular and manufactured homes
How to build your credit
8. Start small
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A deed of trust is a real estate transaction agreement that allows a third-party trustee to hold the property title until the borrower repays the lender in full. The third party in a deed of trust is typically a title company or real estate broker [0] Cornell Law School Legal Information Institute . Deed of Trust . Accessed Jun 1, 2023. View all sources .

Over half of states use deeds of trust instead of mortgages , which involve only two parties. However, in many states, home loans are colloquially referred to as “mortgages,” although they may legally be deeds of trust.

The main difference between a mortgage and a deed of trust is that if you fall behind on loan payments, the property can be foreclosed on more quickly with a deed of trust than with a mortgage.

A deed of trust is not to be confused with a living trust , which is an estate planning tool that helps avoid probate. It also doesn’t transfer ownership of the real property as a property deed does.

Will: one-time fee of $199 per individual or $299 for couples. Trust: one-time fee of $499 per individual or $599 for couples.

$19 annual membership fee.

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$149 for estate plan bundle. Promotion: NerdWallet users can save up to $10.	Will: $199 for Basic, $299 for Premium with attorney assist. Trust: $499 for Basic, $599 for Premium with attorney assist.
$39	$199 per year for attorney assistance after the first year.
No	Yes

Deeds of trust vs. mortgages

Deeds of trust and mortgages are lending agreements that place a lien, or legal claim until debt repayment, on real property. Here’s how they’re similar:

They’re subject to state laws.

Both are public record.

Both allow for foreclosure.

Both are considered contracts as opposed to loans.

However, there are two key differences:

Number of parties involved. A mortgage involves two parties: the lender and the borrower, while a deed of trust involves three parties: the lender, the borrower and the trustee.

Foreclosure type and time. Mortgages typically have to go through a judicial foreclosure, while deeds of trust generally can use a nonjudicial foreclosure process without involving the courts. Because a nonjudicial foreclosure process tends to be faster and less expensive than a judicial one, it usually takes less time and effort to foreclose with a deed of trust than with a mortgage.

As a home buyer, you don’t have the option to choose between a mortgage or a deed of trust, even if you live in one of the nine states that allow both. In those states, the lender chooses which document to use.

How does a deed of trust work?

A deed of trust works similarly to a mortgage by making a piece of real property the collateral for a loan. This means that if you don’t make your loan payments on time, your lender can foreclose on the property. Unlike a mortgage, though, a deed of trust typically allows for foreclosure without the need to first obtain a court order.

Here’s how the process works:

The trust deed includes a promissory note that spells out the exact terms of the loan including the principal, interest, occupancy, insurance and maintenance requirements. The borrower signs this note, agreeing to repay the borrowed money.

The trustee holds legal ownership of the property or in some states just holds the lien, which is a legal claim to the asset, but has no control over that property unless the borrower doesn’t make their scheduled payments per the terms of the agreement.

While the buyer is making payments, the lender keeps the promissory note. Once the loan is paid off, however, the promissory note is marked “paid in full” and the deed is returned to the buyer. At this point, the buyer will own the property outright.

Requirements to create a deed of trust

A valid deed of trust must always involve three parties:

The borrower, also known as the trustor.

The lender, also known as the beneficiary .

The trustee, which is typically a title company that holds legal title to the real property or, in some states, just holds the lien.

The deed of trust document should contain the following information:

The names of all the involved parties (borrower, lender and trustee).

A description of the property involved.

The original amount of the loan.

Loan inception and maturity dates.

Any fees or riders involved.

What will happen in the event of loan default.

Depending on the nature of the sale, any other relevant details.

Deed of trust by state

The following states (and Washington, D.C.) use deeds of trust instead of mortgages:

California.

Massachusetts.

Mississippi.

New Hampshire.

New Mexico.

North Carolina.

Rhode Island.

Washington.

West Virginia.

Deeds of trust and mortgages are allowed in these states:

South Dakota.

All remaining states use only mortgages:

Connecticut.

New Jersey.

North Dakota.

Pennsylvania.

South Carolina.

Deeds of trust vs. warranty deeds

A warranty deed is a document required by some lenders before they approve financing. It certifies that the seller is the true owner of the property and has the right to sell it and that there are no outstanding debts, liens, judgments or encumbrances on the property.

A deed of trust is a lending contract, while a warranty deed is offered by a seller to a buyer for the buyer’s protection.

You can deduct your loan interest payments on your income tax return for home mortgages and deeds of trust. To do so, just be sure the property has been recorded as your principal residence in your county records [0] IRS.gov . Publication 936 (2022), Home Mortgage Interest Deduction . Accessed Jun 1, 2023. View all sources .

If you have a loan secured by a deed of trust and your lender sells that trust deed, an assignment of trust deed assigns that deed of trust to the new buyer of your loan (typically another lender). The assignment of deed of trust grants the new loan purchaser all rights to the property and is recorded as public record along with the original deed of trust.

A reconveyance in a deed of trust is a transfer of property (minus the lien) to the borrower from the trustee or the lender. This happens when the borrower has paid off the loan and satisfied the terms of the debt, and it means the lender no longer has an interest in the property.

On a similar note...

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REAL ESTATE LAW

What is a corporate assignment of deed of trust.

By Editorial Team

September 26, 2017

Reviewed by Michelle Seidel, B.Sc., LL.B./JD, MBA

Learn About Our Review Process

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We write helpful content to answer your questions from our expert network. We perform original research, solicit expert feedback, and review new content to ensure it meets our quality pledge: helpful content – Trusted, Vetted, Expert-Reviewed and Edited. Our content experts ensure our topics are complete and clearly demonstrate a depth of knowledge beyond the rote. We are incredibly worried about the state of general information available on the internet and strongly believe our mission is to give voice to unsung experts leading their respective fields. Our commitment is to provide clear, original, and accurate information in accessible formats. We have reviewed our content for bias and company-wide, we routinely meet with national experts to educate ourselves on better ways to deliver accessible content. For 15 years our company has published content with clear steps to accomplish the how, with high quality sourcing to answer the why, and with original formats to make the internet a helpful place. Read more about our editorial standards .

What Is a Deed of Trust With Assignment of Rents?

A deed of trust is often used interchangeably with the term mortgage (although they have varying meanings depending on the state) and is the document that assigns the title and value of the property to specific parties. In a typical deed of trust , the deed is held by a certain agency, usually the lender or the escrow company, while the borrower pays back the mortgage. When the mortgage is paid, the title is given back to the borrower, but deeds of trust do not always stay in the same hands all the time.

Read More: What is an Assignment of Trust Deed?

An assignment of a deed of trust is simply the movement of the deed of trust from one party to another, a party that was not originally involved in the deed creation when the property was bought. A corporate assignment is simply an assignment of the deed of trust between different businesses. Since the majority of mortgages are created by banks and lending institutions and not private lenders, most assignments of deeds of trust are corporate by nature.

Lender Assignments

Not all lenders reassign the deeds of trust that they hold, but some do and the practice is common. The lender typically moves the deed of trust into the hands of another lender. The other lender takes the place of the organization that originally made the loan, and the mortgage contract rules now apply to the new business. Lenders do this for several different reasons. For example, many choose to assign deeds of trust when they are selling mortgages in order to create immediate profit for themselves by selling the possession of the deed itself.

Requirements

The key part of a corporate assignment of a deed of trust is the debt obligation. The acquiring company wants to make sure that the borrower will now be making payments to them, not the original lender, so assignments are usually very clear on this matter. Assignment forms vary by state in other matters, depending on what regulations states have when it comes to transferring mortgages and similar documents.

Reconveyance

When the mortgage is paid off, the escrow company will initiate a reconveyance, ending the deed and moving the title from the lender to the hands of the borrower. This is a final type of assignment. It is not strictly corporate unless the borrower also was a business, but it represents the end of the process and a reconveyance (known as a satisfaction or cancellation depending on the state) is closely related to an assignment.

Read More: What Is a Deed of Trust With Assignment of Rents?

USLegal: Assignment of Deed of Trust or Mortgage
USLegal: Description -- California Assignment and Satisfaction of Mortgage Law
Legal Beagle: What is an Assignment of Trust Deed?
Legal Beagle: What Is a Deed of Trust With Assignment of Rents?
Legal Beagle: What Is the Difference Between a Deed and a Deed of Trust?
Legal Beagle: Title Vs. Deed of Trust

This article was written by Legal Beagle staff. If you have any questions, please reach out to us on our contact us page.

Who Can Act As Trustee in a Texas Deed of Trust?
Who Is the Grantee Under a Deed of Trust?
What is an Assignment of Trust Deed?

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A d eed of trust is a type of secured real-estate transaction that some states use instead of mortgages . See State Property Statutes .

A deed of trust involves three parties : a lender , a borrower , and a trustee . The lender gives the borrower money. In exchange, the borrower gives the lender one or more promissory notes . As security for the promissory notes , the borrower transfers a real property interest to a third-party trustee. Should the borrower default on the terms of her loan, the trustee may take full control of the property to correct the borrower’s default.

Usually, the trustee is a title company. In most states, the borrower actually transfers legal title to the trustee, who holds the property in trust for the use and benefit of the borrower. In other states, the trustee merely holds a lien on the property. See Estates and Trusts .

Deeds of trust almost always include a power-of-sale clause , which allows the trustee to conduct a non-judicial foreclosure - that is, sell the property without first getting a court order. See Foreclosure .

For example, in a typical home loan, the borrower is the person buying the home, the lender is a bank, and the trustee is a title company. The borrower makes monthly payments to the bank. If the borrower goes into default , the title company initiates a non-judicial foreclosure as the bank's agent .

See also: State Property Statutes ; Mortgage ; Foreclosure ; Debtor and Creditor Law .

See e.g.; Daniel Coslow v. Intohomes LLC (2014).

[Last updated in October of 2022 by the Wex Definitions Team ]

property & real estate law
trusts, inheritances & estates
commercial transactions
property law
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Ch. 9 The Development of Russia

Ivan i and the rise of moscow, learning objective.

Outline the key points that helped Moscow become so powerful and how Ivan I accomplished these major victories
Moscow was considered a small trading outpost under the principality of Vladimir-Suzdal into the 13th century.
Power struggles and constant raids under the Mongol Empire’s Golden Horde caused once powerful cities, such as Kiev, to struggle financially and culturally.
Ivan I utilized the relative calm and safety of the northern city of Moscow to entice a larger population and wealth to move there.
Alliances between Golden Horde leaders and Ivan I saved Moscow from many of the raids and destruction of other centers, like Tver.

A rival city to Moscow that eventually lost favor under the Golden Horde.

Grand Prince of Vladimir

The title given to the ruler of this northern province, where Moscow was situated.

The Rise of Moscow

Moscow was only a small trading outpost in the principality of Vladimir-Suzdal in Kievan Rus’ before the invasion of Mongol forces during the 13th century. However, due to the unstable environment of the Golden Horde, and the deft leadership of Ivan I at a critical time during the 13th century, Moscow became a safe haven of prosperity during his reign. It also became the new seat of power of the Russian Orthodox Church.

Ivan I (also known as Ivan Kalita) was born around 1288 to the Prince of Moscow, Daniil Aleksandrovich. He was born during a time of devastation and upheaval in Rus’. Kiev had been overtaken by the invading Mongol forces in 1240, and most of the Rus’ principalities had been absorbed into the Golden Horde of the Mongol Empire by the time Ivan was born. He ascended to the seat of Prince of Moscow after the death of his father, and then the death of his older brother Yury.

Ivan I. He was born around 1288 and died in either 1340 or 1341, still holding the title of Grand Prince of Vladimir.

Ivan I stepped into a role that had already been expanded by his predecessors. Both his older brother and his father had captured nearby lands, including Kolomna and Mozhaisk. Yury had also made a successful alliance with the Mongol leader Uzbeg Khan and married his sister, securing more power and advantages within the hierarchy of the Golden Horde.

Ivan I continued the family tradition and petitioned the leaders of the Golden Horde to gain the seat of Grand Prince of Vladimir. His other three rivals, all princes of Tver, had previously been granted the title in prior years. However they were all subsequently deprived of the title and all three aspiring princes also eventually ended up murdered. Ivan I, on the other hand, garnered the title from Khan Muhammad Ozbeg in 1328. This new title, which he kept until his death around 1340, meant he could collect taxes from the Russian lands as a ruling prince and position his tiny city as a major player in the Vladimir region.

Moscow’s Rise

During this time of upheaval, the tiny outpost of Moscow had multiple advantages that repositioned this town and set it up for future prosperity under Ivan I. Three major contributing factors helped Ivan I relocate power to this area:

It was situated in between other major principalities on the east and west so it was often protected from the more devastating invasions.
This relative safety, compared to Tver and Ryazan, for example, started to bring in tax-paying citizens who wanted a safe place to build a home and earn a livelihood.
Finally, Moscow was set up perfectly along the trade route from Novgorod to the Volga River, giving it an economic advantage from the start.

Ivan I also spurred on the growth of Moscow by actively recruiting people to move to the region. In addition, he bought the freedom of people who had been captured by the extensive Mongol raids. These recruits further bolstered the population of Moscow. Finally, he focused his attention on establishing peace and routing out thieves and raiding parties in the region, making for a safe and calm metaphorical island in a storm of unsettled political and military upsets.

Kievan Rus’ 1220-1240. This map illustrates the power dynamics at play during the 13th century shortly before Ivan I was born. Sarai, the capital of the Golden Horde, sat to the southeast, while Moscow (not visible on this map) was tucked up in the northern forests of Vladimir-Suzdal.

Ivan I knew that the peace of his region depended upon keeping up an alliance with the Golden Horde, which he did faithfully. Moscow’s increased wealth during this era also allowed him to loan money to neighboring principalities. These regions then became indebted to Moscow, bolstering its political and financial position.

In addition, a few neighboring cities and villages were subsumed into Moscow during the 1320s and 1330s, including Uglich, Belozero, and Galich. These shifts slowly transformed the tiny trading outpost into a bustling city center in the northern forests of what was once Kievan Rus’.

Russian Orthodox Church and The Center of Moscow

Ivan I committed some of Moscow’s new wealth to building a splendid city center and creating an iconic religious setting. He built stone churches in the center of Moscow with his newly gained wealth. Ivan I also tempted one of the most important religious leaders in Rus’, the Orthodox Metropolitan Peter, to the city of Moscow. Before the rule of the Golden Horde the original Russian Orthodox Church was based in Kiev. After years of devastation, Metropolitan Peter transferred the seat of power to Moscow where a new Renaissance of culture was blossoming. This perfectly timed transformation of Moscow coincided with the decades of devastation in Kiev, effectively transferring power to the north once again.

Peter of Moscow and scenes from his life as depicted in a 15th-century icon. This religious leader helped bring cultural power to Moscow by moving the seat of the Russian Orthodox Church there during Ivan I’s reign.

One of the most lasting accomplishments of Ivan I was to petition the Khan based in Sarai to designate his son, who would become Simeon the Proud, as the heir to the title of Grand Prince of Vladimir. This agreement a line of succession that meant the ruling head of Moscow would almost always hold power over the principality of Vladimir, ensuring Moscow held a powerful position for decades to come.

Boundless World History. Authored by : Boundless. Located at : https://www.boundless.com/world-history/textbooks/boundless-world-history-textbook/ . License : CC BY-SA: Attribution-ShareAlike

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Ch. 9 The Development of Russia

Grand Prince of Vladimir

The Rise of Moscow

Moscow’s Rise

Russian Orthodox Church and The Center of Moscow

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