Take your home
out of the trust
Refinancing or opening a HELOC, and your lender says the property has to be in your own name before closing? We prepare and e-record the deed that moves your home out of the trust — and the one that puts it back after closing — for a flat $275 each.
California counties
no hourly billing
in Santa Clara County
Meet Quinnie Do
Quinnie is a registered Legal Document Assistant, a registered IRS Tax Preparer, and a commissioned Notary Public who has prepared and e-recorded thousands of California deeds across all 58 counties. Because she is also a notary, she can notarize your deed in the San Jose office and record it the same day — the speed that matters when a lender’s closing date is set. She serves clients in English and Vietnamese, with Spanish through an on-staff partner.
How Do You Transfer Property Out of a Trust in California?
To transfer property out of a living trust in California, a new deed is prepared moving the home from the trust to you as the individual owner, signed before a notary, and recorded with the county — with the legal description copied exactly from the last recorded deed. Lenders often require this before a refinance or HELOC, because many will not close while title sits in a trust. TruPoint, a Registered Legal Document Assistant in San Jose, prepares and e-records it the same day for a flat $275, in any of the 58 California counties — then prepares the deed that puts the home back into your trust after closing for another flat $275, so your estate plan stays intact.
Why Homeowners Move a Property Out
When the Loan Needs the Home in Your Name
Almost always, it comes down to a lender and a closing date.
Refinancing the Mortgage
Locking a lower rate or pulling cash out — many lenders ask for the property in your individual name to close, then back in the trust afterward.
Opening a HELOC or Loan
A home equity line or second loan often runs through a lender that won’t underwrite while the title is held by a trust, so the home is moved out first.
A Lender That Requires It
Not every lender requires this — but when yours does, the deed has to be prepared and recorded before your closing date, with no room for a kicked-back filing.
One flat fee per deed — out for the loan, and back in after.
Who This Is For
Built Around Your Loan Deadline
Refinancing
Lowering your rate or taking cash out of your home.
HELOC or Home Loan
Opening a line of credit or a second loan on the property.
Lender Requirement
Your lender won’t close with title held by the trust.
Restructuring Title
Changing how the property is held for a loan or sale.
Out for the Loan, Then Back Into the Trust
Here’s the step people miss: once the refinance funds, the home is still sitting in your individual name. Leave it there, and it’s no longer protected by your trust — it can be pulled into probate later, undoing the very reason you set it up.
Forgetting to re-deed after a refinance is one of the most common and costly mistakes in California estate planning. We track the second deed and record it back into your trust after closing, so the round trip is actually finished.
- Deed out of the trust — recorded same day
- Your lender closes the loan
- Deed back in — after closing
How It Works
From Intake to Recorded, Then Back
Eight steps. You direct the transfer; we prepare, e-record, and bring the home back into your living trust when the loan closes.
Complete the Intake Form
You tell us about the property, your trust, and what your lender needs on our online intake form.
We Review Title & Match the Description
We confirm how title is held and copy the legal description exactly from the last recorded deed, so it’s accepted on the first submission.
Secure Payment
We send a payment link for our flat $275 fee plus the county recording cost, so the deed is ready to record with nothing outstanding.
We Prepare the Deed
We prepare the document moving the property out of the trust to you individually, along with the required change-of-ownership report.
You Sign Before a Notary
You sign it before a notary. Quinnie is a commissioned notary and can handle this right in the San Jose office.
We E-Record the Same Day
We e-record it in your county, often the same day, so your lender can move toward closing without waiting on the mail.
Your Loan Closes
With the property in your individual name, your lender completes the refinance, HELOC, or loan.
We Deed It Back Into the Trust
After closing, we prepare and e-record the document that returns the property to your living trust — so your estate plan stays intact.
Simple, Published Pricing
Flat $275 a Deed. No Hourly Billing.
The same flat fee whether you’re moving the home out for a loan or bringing it back after closing. County recording fees are collected at intake and passed through at cost.
Move It Out of the Trust
Deed prepared, notarized, and e-recorded — often the same day.
- Legal description matched to the last deed
- Change-of-ownership report prepared
- Notarized in our San Jose office
- Same-day e-recording in your county
- Ready for your lender to close
Put It Back After Closing
The second filing that returns the home to your trust.
- Prepared once your loan has funded
- Restores that probate protection
- Same-day e-recording
County Recording
The county’s own recording fee — never marked up.
- Collected at intake with your fee
- Passed through to the county, dollar for dollar
- Varies by county and document
Each deed is a flat $275. County recording fees are set by the county and passed through at cost — TruPoint collects them at intake and never marks them up. Questions about how a transfer affects your property taxes are decided by the County Assessor; we’ll point you to the right office for your situation.
TruPoint vs. a Cheap Online Form
Why a Bare Form Misses the Deadline
A $79 online form prints a deed and stops there. You’re left to record it, match the legal description, and beat the lender’s clock yourself — and a single wrong detail gets the filing rejected. Attorneys do it for you, but bill by the hour. We sit in between: prepared, notarized, and e-recorded, flat $275.
A Bare Online Form
- Prints a deed — no recording, no e-filing
- You copy the legal description and hope it matches
- You track the lender’s closing date yourself
- One wrong detail and the county rejects it
- No one prepares the filing back into the trust
TruPoint Does It All
- Deed prepared, notarized, and e-recorded for you
- Legal description matched to the last recorded deed
- Same-day recording in all 58 California counties
- We watch the deadline so the closing isn’t held up
- The deed back into your trust, prepared after closing
Right Next Door
Need a Document Recognized Abroad?
If you’re refinancing from overseas, or a lender, bank, or buyer needs a document authenticated for use in another country, our sister office, Fingerscan Digital, handles apostille and document authentication at the same San Jose location — so a signature taken here is accepted where it needs to go.
It’s a common last piece for clients living or working out of state while a California property loan moves toward closing.
Fingerscan Digital — Same Office
- Apostille & document authentication for use abroad
- Same San Jose address, walk-in friendly
- Call (408) 766-3528 — a separate line from TruPoint
Questions People Ask
Moving Property Out of a Trust, Answered
A new deed is prepared transferring the property from the trust to you as the individual owner, signed before a notary, and recorded with the county. The legal description must match the last recorded deed exactly. TruPoint prepares and e-records it for a flat $275, often the same day, in any of the 58 California counties.
Many lenders and HELOC providers won’t close while title is held in a trust, so they ask that the property be temporarily deeded into your individual name for the closing, then deeded back afterward. Not every lender requires this — but when yours does, it has to be prepared and recorded before closing. We handle both for a flat $275 each.
TruPoint charges a flat $275 to prepare and e-record the document that moves your property out of the trust, and another flat $275 for the one that returns it after closing. County recording fees are collected at intake and passed through at cost. There’s no hourly billing.
If your goal is to keep the home out of probate, yes. Left in your individual name after the refinance, the home is no longer held by it and can be pulled into probate later. Re-recording it back into the trust after closing restores the protection. We prepare this second filing for a flat $275 so the step isn’t forgotten.
Moving a property out of your own revocable trust and back to yourself generally doesn’t change who really owns it, and California treats that kind of transfer as if you still own the property — so it’s typically not a reassessment event. Your situation is decided by the County Assessor, so confirm your specific facts with the Assessor or a licensed professional.
Because TruPoint e-records directly with all 58 California counties, it can often be recorded the same day it’s signed, rather than waiting days for mailed documents. That speed is the whole point when a lender’s closing date is on the calendar.
Both are used. A grant deed carries basic title assurances, while a quitclaim deed simply transfers whatever interest the trust holds and is common for trust-related transfers. The right choice depends on your title and what your lender or title company expects. You direct the outcome you need; we prepare the correct one for your situation.
Yes. We prepare and e-record in all 58 California counties from our San Jose office. Whether your property is in the Bay Area, Los Angeles, San Diego, the Central Valley, or anywhere in the state, the deed is recorded in the county where the property sits.
Yes. A Registered Legal Document Assistant prepares and records deeds at your direction, without attorney fees. TruPoint is run by Quinnie Do, LDA #268, a registered and bonded Legal Document Assistant in Santa Clara County whose registration is verifiable with the county. You direct the transfer; we prepare and e-record it for you.
Forgetting to re-deed the home after a refinance is one of the most common and costly mistakes in California estate planning. The last deed on record would show the property in your individual name, leaving it outside the trust and exposed to probate. We track that second filing so the property returns to your trust after closing.
Yes. Our office is in San Jose, and we prepare and e-record deeds for property in every California county. Because intake and review happen online, you can complete most of the process from anywhere in the state, in English, Vietnamese, or Spanish.
Beat the Closing Deadline
Start your deed now and we’ll match the legal description, prepare the deed out of the trust, and e-record it the same day — flat $275, county fees at cost, and the deed back into your trust ready after closing.
San Jose, CA 95123
Sat by appointment