{"id":4661,"date":"2022-06-17T08:47:06","date_gmt":"2022-06-17T13:47:06","guid":{"rendered":"https:\/\/smartmortgage.com\/?p=3525"},"modified":"2024-07-15T16:38:17","modified_gmt":"2024-07-15T16:38:17","slug":"what-is-a-deed","status":"publish","type":"post","link":"https:\/\/marketing-sites.guildmortgage.com\/smartmortgage\/blog\/what-is-a-deed\/","title":{"rendered":"What is a deed?"},"content":{"rendered":"<p>If you\u2019re planning on buying a home, it\u2019s important to know what a deed is and how this critical piece of documentation is used. Here\u2019s what you need to know about what a deed is and why you need one to close on your home.<!--more--><\/p>\n<h2>Deeds are legal documents<\/h2>\n<p>A deed is the physical, recorded document that declares legal ownership of a property. It\u2019s physically filed with the local courthouse or accessors office. Simply put, it\u2019s proof that you hold the title to a property.<\/p>\n<p>There are several types of deeds:<\/p>\n<ul>\n<li><strong>General warranty deed:<\/strong> Protects the buyer and ensures that the seller has full legal right to sell the property. It also promises that the seller does not know of any property issues.<\/li>\n<li><strong>Special warranty deed:<\/strong> Like a general warranty deed, but this is used for commercial properties and only guarantees the title for the time the seller owned the property.<\/li>\n<li><strong>Quitclaim deed:<\/strong> Used when the property is transferred from one legal entity to the next, without the exchange of money. The most common being a parent to a child.<\/li>\n<\/ul>\n<p>When you purchase a property, the deed is what transfers the ownership and title to the seller (grantor) to the buyer (grantee). Both parties must sign the document <a href=\"https:\/\/www.investopedia.com\/terms\/d\/deed.asp\" target=\"_blank\" rel=\"noopener noreferrer\">and have it notarized<\/a> for the deed to become official and binding in a court of law.<\/p>\n<h2>Deeds vs. titles<\/h2>\n<p>The terms deed and title are sometimes used interchangeably, but they have some very important distinctions.<\/p>\n<ul>\n<li>A deed is the physical document showing that you hold the title. It must include the legal description and information like where property lines lay, street address and tax identification number.<\/li>\n<li>A title is the legal term that\u2019s used to refer to the legal ownership of a property. Unlike deeds, they aren\u2019t documents filed on public record\u2014they are a concept.<\/li>\n<\/ul>\n<h2>What to look for<\/h2>\n<p>Before you purchase a property it\u2019s always advised that you <a href=\"https:\/\/smartmortgage.com\/why-you-should-always-check-a-homes-public-records-before-you-buy\/\">get the home\u2019s deed and title researched<\/a>.<\/p>\n<ul>\n<li><a href=\"https:\/\/smartmortgage.com\/why-you-should-always-check-a-homes-public-records-before-you-buy\/\">A title search<\/a> is standard procedure to make sure that it\u2019s free and clear of defects. Defects could include an ex-spouse still having rights to the property, liens, and unpaid taxes.<\/li>\n<li>Researching a deed can also help you understand how the home\u2019s value has changed over time.<\/li>\n<\/ul>\n<p>In order to make an informed decision on whether to extend an offer, ask your agent any questions you have about the property. It\u2019s always best to have the background and history for negotiations on sale price or concessions.<\/p>\n<h2 style=\"text-align: center\"><a href=\"https:\/\/smartmortgage.com\/contact\/\">Get pre-approved before starting your home search<\/a><\/h2>\n<h2 style=\"text-align: center\"><a href=\"https:\/\/smartmortgage.com\/contact\/\">Contact us at SmartMortgage.com to get started today<\/a><\/h2>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re planning on buying a home, it\u2019s important to know what a deed is and how this critical piece of documentation is used. Here\u2019s what you need to know about what a deed is and why you need one to close on your home.<\/p>\n","protected":false},"author":6,"featured_media":6144,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3,5],"tags":[23,85],"class_list":["post-4661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-home-buyers-home-sellers","tag-deed","tag-title"],"acf":{"page_v2":{"":null,"hero":{"display_hero":true,"":null,"use_text_editor":false,"text_editor_text":"","container":[{"header":{"add_header":true,"text":"What is a deed?","type":"H1","class_name":"","id_name":"","alignment":"","font_size":"","text_color":""},"tagline":{"add_tagline":false,"text":"","alignment":"","class_name":"","id_name":"","position":"below","font_size":"","text_color":""},"row":null,"attributes":{"id_name":"","class_name":"","font_size":"","background_color":"","text_color":"","text_align":"","vertical_align":"","background_image":"","mobile_background_image":"","background_video":null,"hero_type":"","container_width":"site-width","text_width":"site-width"}}]},"hero_navigation":{"display_hero_navigation":false,"":null,"use_text_editor":false,"text_editor_text":"","container":null},"hero_banner_v2":{"display_hero_banner":false,"":null,"use_text_editor":false,"text_editor":"","container":{"banner_row":null},"attributes":{"id_name":"","class_name":"","font_size":"","background_color":"","text_color":"","text_align":"","vertical_align":"","background_image":null,"mobile_background_image":null,"background_video":null,"order":""}},"body":{"":null,"use_text_editor":false,"text_editor_text":"","container":[{"header":{"add_header":false,"text":"","type":"H2","class_name":"","id_name":"","alignment":"","font_size":"","text_color":""},"tagline":{"add_tagline":false,"text":"","alignment":"","class_name":"","id_name":"","position":"below","font_size":"","text_color":""},"row":[{"layout_selection":"Single column","single_column":{"":null,"header":{"add_header":false,"text":"","type":"H2","class_name":"","id_name":"","alignment":"","font_size":"","text_color":""},"tagline":{"add_tagline":false,"text":"","alignment":"","class_name":"","id_name":"","position":"below","font_size":"","text_color":""},"column":[{"selection":"Text","text_editor_text":"If you\u2019re planning on buying a home, it\u2019s important to know what a deed is and how this critical piece of documentation is used. Here\u2019s what you need to know about what a deed is and why you need one to close on your home.<!--more-->\r\n\r\n<h2>Deeds are legal documents<\/h2>\r\n\r\nA deed is the physical, recorded document that declares legal ownership of a property. It\u2019s physically filed with the local courthouse or accessors office. Simply put, it\u2019s proof that you hold the title to a property.\r\n\r\nThere are several types of deeds:\r\n<ul>\r\n \t<li><strong>General warranty deed:<\/strong> Protects the buyer and ensures that the seller has full legal right to sell the property. It also promises that the seller does not know of any property issues.<\/li>\r\n \t<li><strong>Special warranty deed:<\/strong> Like a general warranty deed, but this is used for commercial properties and only guarantees the title for the time the seller owned the property.<\/li>\r\n \t<li><strong>Quitclaim deed:<\/strong> Used when the property is transferred from one legal entity to the next, without the exchange of money. The most common being a parent to a child.<\/li>\r\n<\/ul>\r\n\r\nWhen you purchase a property, the deed is what transfers the ownership and title to the seller (grantor) to the buyer (grantee). Both parties must sign the document <a href=\"https:\/\/www.investopedia.com\/terms\/d\/deed.asp\" target=\"_blank\" rel=\"noopener noreferrer\">and have it notarized<\/a> for the deed to become official and binding in a court of law.\r\n\r\n<h2>Deeds vs. titles<\/h2>\r\n\r\nThe terms deed and title are sometimes used interchangeably, but they have some very important distinctions.\r\n\r\n<ul>\r\n \t<li>A deed is the physical document showing that you hold the title. It must include the legal description and information like where property lines lay, street address and tax identification number.<\/li>\r\n \t<li>A title is the legal term that\u2019s used to refer to the legal ownership of a property. Unlike deeds, they aren\u2019t documents filed on public record\u2014they are a concept.<\/li>\r\n<\/ul>\r\n\r\n<h2>What to look for<\/h2>\r\n\r\nBefore you purchase a property it\u2019s always advised that you <a href=\"\/blog\/why-you-should-always-check-a-homes-public-records-before-you-buy\/\">get the home\u2019s deed and title researched<\/a>.\r\n<ul>\r\n \t<li><a href=\"\/blog\/why-you-should-always-check-a-homes-public-records-before-you-buy\/\">A title search<\/a> is standard procedure to make sure that it\u2019s free and clear of defects. Defects could include an ex-spouse still having rights to the property, liens, and unpaid taxes.<\/li>\r\n \t<li>Researching a deed can also help you understand how the home\u2019s value has changed over time.<\/li>\r\n<\/ul>\r\nIn order to make an informed decision on whether to extend an offer, ask your agent any questions you have about the property. It\u2019s always best to have the background and history for negotiations on sale price or concessions.\r\n<h2 style=\"text-align: center;\"><a href=\"\/contact\/\">Get pre-approved before starting your home search<\/a><\/h2>\r\n<h2 style=\"text-align: center;\"><a href=\"\/contact\/\">Contact us at SmartMortgage.com to get started today<\/a><\/h2>","popup":false,"popup_text":"","row":null,"carousel":null,"button":{"link":null,"class_name":"","id_name":"","font_size":"","background_color":"","text_color":"","alignment":"center"},"image":null,"navigation":null,"fields":null,"social_share":null,"social_icons":null,"video_url":"","video_type":false,"featured_blog_text":"","featured_blog_icon":null,"blog_card_selector":false,"branch_address":"","branch_lat":"","branch_long":"","map_width":"","map_height":""}],"attributes":{"id_name":"","class_name":"","font_size":"","background_color":"","text_color":"","text_align":"","vertical_align":"","background_image":"","mobile_background_image":"","background_video":null,"order":""},"column_size":""},"two_column":null,"three_column":null,"card_grid":null,"attributes":{"id_name":"","class_name":"","font_size":"","background_color":"","text_color":"","text_align":"","vertical_align":"","background_image":"","mobile_background_image":"","background_video":null,"card_type":"","order":""}}],"attributes":{"id_name":"","class_name":"","font_size":"","background_color":"","text_color":"","text_align":"","vertical_align":"","background_image":"","mobile_background_image":"","background_video":null,"container_width":"site-width","text_width":"site-width"}}]}}},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is a deed?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/marketing-sites.guildmortgage.com\/smartmortgage\/blog\/what-is-a-deed\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is a deed?\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re planning on buying a home, it\u2019s important to know what a deed is and how this critical piece of documentation is used. 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