Iowa Deed of Trust Form

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An Iowa deed of trust is used by a real estate purchaser and a lender providing a property loan to designate a trustee to hold the title until the loan is repaid. The purchaser can occupy and use the property during this period. Once the full loan amount is repaid, the title is returned to the purchaser. In the event that the purchaser defaults, a foreclosure action may be initiated.

Iowa Deed of Trust Form

An Iowa deed of trust is used by a real estate purchaser and a lender providing a property loan to designate a trustee to hold the title until the loan is repaid. The purchaser can occupy and use the property during this period. Once the full loan amount is repaid, the title is returned to the purchaser. In the event that the purchaser defaults, a foreclosure action may be initiated.

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Last updated April 17th, 2025

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An Iowa deed of trust is used by a real estate purchaser and a lender providing a property loan to designate a trustee to hold the title until the loan is repaid. The purchaser can occupy and use the property during this period. Once the full loan amount is repaid, the title is returned to the purchaser. In the event that the purchaser defaults, a foreclosure action may be initiated.

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Deeds must be signed by the grantor, notarized, and filed with the County Recorder’s Office.[1] The document must be formatted as follows before recording:

  • 3″ top margin on first page, 0.75″ margins on all other sides
  • 8pt for pre-printed text, 10pt for inputted text
  • White paper, 20 lb weight
  • Black or blue ink for signatures[2]

Deed of Trust or Mortgage

Under Iowa statutes, both deeds of trust and mortgages can be used to secure real estate loans. However, unlike in some other states that allow deeds of trust, Iowa does not recognize “power of sale” clauses as valid. Instead, if a default occurs, the parties must agree to a voluntary nonjudicial foreclosure if they seek to avoid court proceedings.[3]

Deed of Trust (Preview)

Sources

  1. §§ 558.20, 558.11
  2. § 331.606B
  3. §§ 654.1, 654.18