Colorado Deed of Trust Form

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Colorado Deed of Trust Form

A Colorado deed of trust is an agreement in which a trustee holds an individual’s property title as security for a loan the individual has received. The borrowing party retains the right to reside on their property, but they will not regain title until the debt is cleared. As deeds of trust often give “power of sale” to trustees, the trustees are authorized to foreclose the property if default occurs.

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Last updated April 28th, 2025

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A Colorado deed of trust is an agreement in which a trustee holds an individual’s property title as security for a loan the individual has received. The borrowing party retains the right to reside on their property, but they will not regain title until the debt is cleared. As deeds of trust often give “power of sale” to trustees, the trustees are authorized to foreclose the property if default occurs.

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Deeds must bear the signatures of the borrower and a notary (or other authorized official).[1] The document must have a 1″ top margin and 0.5″ margins on all other sides.[2]

Once executed, a deed can be filed with the County Clerk and Recorder.[3]

Deed of Trust or Mortgage

Colorado is a deed of trust state and generally uses the term “deed of trust” when referring to mortgages. Unlike a standard mortgage involving only a mortgagor and mortgagee, deeds of trust involve three parties; a lender, borrower, and trustee.

In Colorado, only a county official known as the “Public Trustee” may serve as a trustee.[4]

Deed of Trust (Preview)

Sources

  1. § 38-30-126(1)
  2. § 30-10-406(3)
  3. § 38-35-109(1)
  4. §§ 38-37-101, 38-39-101