North Carolina Deed of Trust Form

North Carolina Deed of Trust Form

North Carolina deed of trust is a financing instrument between a lender, borrower, and trustee that is used to secure a real estate loan. A trust deed transfers the property title as collateral to the trustee to hold until the debt is repaid. If the borrower defaults, the trustee can foreclose out of court to recover the lender’s money.

Last updated June 26th, 2025

North Carolina deed of trust is a financing instrument between a lender, borrower, and trustee that is used to secure a real estate loan. A trust deed transfers the property title as collateral to the trustee to hold until the debt is repaid. If the borrower defaults, the trustee can foreclose out of court to recover the lender’s money.

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When completed, the deed of trust must be recorded at the local Register of Deeds.[1] The document must be notarized prior to recording.[2]

When drafting the trust deed, the following formatting standards must be followed[3]:

  • Black font, at least 9pt
  • 8.5″ x 11″ or 8.5″ x 14″ size paper
  • 3″ top margin on the first page
  • 0.5″ margin everywhere else

Deed of Trust (Preview)