Iowa Deed of Trust Form

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Iowa Deed of Trust Form

An Iowa deed of trust designates a trustee to hold title to a property until the borrower has fully repaid the loan to the lender. The purchaser can occupy and use the property during this period, and once the loan is repaid, the title will be returned to the purchaser. In the event that the purchaser defaults, a foreclosure action may be initiated.

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Last updated April 28th, 2025

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An Iowa deed of trust designates a trustee to hold title to a property until the borrower has fully repaid the loan to the lender. The purchaser can occupy and use the property during this period, and once the loan is repaid, the title will be 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 borrower, notarized, and filed with the County Recorder’s Office.[1] The document must be formatted as follows before recording[2]:

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

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