Who signs the deed of reconveyance when a trust deed has been paid off?

When a trust deed is paid off, the trustee is responsible for signing the deed of reconveyance. This document serves to transfer the title back to the borrower, demonstrating that the borrower has fulfilled their obligations under the trust deed, typically by paying off the debt. The trustee, who acts as an intermediary in the trust deed agreement, holds the legal title to the property until the debt is satisfied. Once the borrower has paid off the loan, the trustee's role includes executing the deed of reconveyance to formally release the property from the lien of the trust deed, thereby restoring full ownership rights to the borrower.

In this context, the borrower does not sign the deed of reconveyance because they are the party receiving the title back, while the lender is not involved in this specific act because their interest has already been satisfied through the loan payment. A real estate agent also does not play a role in the signing of the deed of reconveyance, as this task is specifically between the borrower and the trustee.