What Is a Full Reconveyance?
A Full Reconveyance is the California document that releases a lender's lien on a property once a loan secured by a Deed of Trust has been paid in full. It is executed by the trustee named in the Deed of Trust and, once recorded, returns clear title to the property owner. Recording the Full Reconveyance is the final step in fully satisfying a real estate loan.
When to Record a Full Reconveyance
You need to record a Full Reconveyance when a mortgage or loan secured by a Deed of Trust has been paid off, when a seller-carried loan has been repaid, or when a lien needs to be cleared from the title prior to a sale or refinancing. Without a recorded Full Reconveyance, the original Deed of Trust remains as an open lien on the property title.
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- Title and escrow companies clearing liens prior to property sales
- Lenders and loan servicers releasing paid-off loans
- Real estate attorneys resolving title defects from unreleased loans
- Property owners who have paid off their mortgage and need to clear title
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Full Reconveyance Recording FAQ
What happens if a Full Reconveyance is never recorded?
If a Full Reconveyance is not recorded after a loan is paid off, the Deed of Trust remains as an open lien on the title. This can delay or block future sales and refinancing and may require a quiet title action to resolve.
Who is responsible for recording the Full Reconveyance?
The trustee named in the Deed of Trust is responsible for executing the Full Reconveyance once the lender instructs them to do so. In practice, title companies often manage this as part of a closing or payoff process.
What is the difference between a Full Reconveyance and a Sub-Reconveyance?
A Full Reconveyance is executed by the original trustee. A Sub-Reconveyance is executed by a substituted trustee appointed when the original is unavailable.
How long does Full Reconveyance recording take?
Most Full Reconveyances submitted through eFileRecorder are recorded within 24-48 business hours.