Deed of Trust States List
By Moolah List
Deed of Trust States List
By Moolah List
When financing a home the lender requires the borrower to sign either a mortgage or deed of trust.
It’s important to note many states allow both.
The main difference between a mortgage and a deed of trust is a deed of trust allows for non-judicial foreclosure.
Non-judicial foreclosure is generally preferred by private money lenders because the process to foreclose is much more efficient than a judicial foreclosure.
Read Trust Deeds vs Mortgages for a more in depth overview of the differences between the two.
| State | Mortgage State | Deed of Trust State |
|---|---|---|
| Alabama | Y | Y |
| Alaska | Y | |
| Arizona | Y | Y |
| Arkansas | Y | Y |
| California | Y | |
| Colorado | Y | |
| Connecticut | Y | |
| Delaware | Y | |
| D.C. | Y | |
| Florida | Y | |
| Georgia | Y | |
| Hawaii | Y | |
| Idaho | Y | |
| Illinois | Y | Y |
| Indiana | Y | |
| Iowa | Y | |
| Kansas | Y | |
| Kentucky | Y | Y |
| Louisiana | Y | |
| Maine | Y | |
| Maryland | Y | Y |
| Massachusetts | Y | |
| Michigan | Y | Y |
| Minnesota | Y | |
| Mississippi | Y | |
| Missouri | Y | |
| Montana | Y | Y |
| Nebraska | Y | |
| Nevada | Y | |
| New Hampshire | Y | |
| New Jersey | Y | |
| New Mexico | Y | |
| New York | Y | |
| North Carolina | Y | |
| North Dakota | Y | |
| Ohio | Y | |
| Oklahoma | Y | |
| Oregon | Y | |
| Pennsylvania | Y | |
| Rhode Island | Y | |
| South Carolina | Y | |
| South Dakota | Y | Y |
| Tennessee | Y | |
| Texas | Y | |
| Utah | Y | |
| Vermont | Y | |
| Virginia | Y | |
| Washington | Y | |
| West Virginia | Y | |
| Wisconsin | Y | |
| Wyoming | Y |
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