Maryland Deed of Trust Form

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Maryland Deed of Trust Form

A Maryland deed of trust is a document used to secure a loan by placing the borrower’s property in a trust until the lender has been repaid. Like a mortgage, this document is used when one party has borrowed money from another to purchase real estate. A deed of trust, however, involves a neutral third party to hold the property title for the duration of the loan.

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Last updated April 28th, 2025

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A Maryland deed of trust is a document used to secure a loan by placing the borrower’s property in a trust until the lender has been repaid. Like a mortgage, this document is used when one party has borrowed money from another to purchase real estate. A deed of trust, however, involves a neutral third party to hold the property title for the duration of the loan.

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The borrower must have the document notarized and submit it to the Clerk of the Circuit Court for recording.[1] To be eligible for recording, documents must meet the following guidelines:

  • White paper only
  • Black ink with a font size of at least 8pt[2]

Deeds of Trust in Maryland

Maryland is a deed of trust state, recognizing both deeds of trust and mortgages as valid documents for real estate financing. There are no criteria in Maryland for who can serve as a trustee, though trustees are typically title companies, financial institutions, or escrow companies.

Deed of Trust (Preview)

Sources

  1. §§ 4-101(a)(1), 3-301(a)
  2. § 3-104(e)(1)
  3. § 3-104(g)(2), Instructions for the State of Maryland Land Intake Sheet