New York Deed of Trust Form

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New York Deed of Trust Form

A New York deed of trust is a loan security agreement in which a trustee retains a property title for a lender until a borrower has satisfied a debt. Like a mortgage, a deed of trust gives the lender collateral for a real estate loan. The borrower risks having their property foreclosed on if they fail to make payments or otherwise default on the loan contract.

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Last updated May 28th, 2025

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A New York deed of trust is a loan security agreement in which a trustee retains a property title for a lender until a borrower has satisfied a debt. Like a mortgage, a deed of trust gives the lender collateral for a real estate loan. The borrower risks having their property foreclosed on if they fail to make payments or otherwise default on the loan contract.

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Deeds in New York City must be filed at the City Register, while the County Clerk handles deeds for properties outside of NYC.[1] Deed filings for properties in Staten Island are done at the Richmond County Clerk’s office or online.

Properties located in other NYC boroughs may utilize online deed filings.

Foreclosure

New York treats deeds of trust in a similar fashion as a mortgage.[2] Therefore, unlike in states that allow foreclosure through a power of sale clause in a deed of trust, non-judicial foreclosure is not permitted.

Deed of Trust (Preview)

Sources

  1. § 291
  2. § 320