Jennifer purchases a home in Columbia, Missouri and successfully pays off her deed of trust loan in full. Under Missouri law, which document should the trustee provide to clear Jennifer's title of the deed of trust lien?
Correct Answer
A) A deed of reconveyance executed by the trustee
When a Missouri deed of trust loan is paid in full, the trustee—who holds bare legal title—must execute and record a deed of reconveyance (also called a deed of release or trustee's deed of reconveyance). This document reconveys legal title from the trustee back to the borrower (trustor), clearing the deed of trust from the title. This is the Missouri-specific process under RSMo § 443.060 et seq., distinct from the 'satisfaction of mortgage' used in mortgage states.
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