Take your home out of the trust
Refinancing or opening a HELOC, and your lender needs the property 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 $325 each.
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 e-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 you transfer property out of a trust in California
To move property out of a living trust in California, a new deed is prepared transferring the home from the trust back 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 Legal, a Registered Legal Document Assistant in San Jose, prepares and e-records it the same business day for a flat $325, in any of the 58 California counties — then prepares the deed that returns the home to your trust after closing for another flat $325, so your estate plan stays intact. A California attorney typically charges $1,000–$2,000 for a single deed, billed with the consultation separately.
Prepared and reviewed by Quinnie Do, Registered Legal Document Assistant #268, Santa Clara County (verify ↗).
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 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.
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 is no longer held 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. TruPoint Legal tracks the second deed and records it back into your trust after closing, so the round trip is actually finished.
- Deed out of the trust — e-recorded same day
- Your lender closes the loan
- Deed back in — prepared after closing
From intake to recorded, then back
You direct the transfer; we prepare, e-record, and bring the home back into your living trust when the loan closes.
Start the intake
You tell us about the property, your trust, and what your lender needs on our online intake form.
Tell us what the lender wantsWe 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.
No kicked-back filingsPrepare, sign & record
We prepare the deed out to you individually with the change-of-ownership report; you sign before our in-office notary; we e-record the same day.
Recorded fastDeed it back in
After your loan funds, we prepare and e-record the deed that returns the property to your living trust — so your estate plan stays intact.
Back where it belongsFlat $325 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.
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
Put it back — the second filing that returns the home to your trust once the loan has funded.
- Prepared once your loan has funded
- Restores the probate protection
- Same-day e-recording
The county’s own recording fee — never marked up.
- Collected at intake with your fee
- Remitted to the county, dollar for dollar
- Varies by county and document length
Each deed is a flat $325. County recording fees are set by the county, collected at intake, and remitted on your behalf — never marked up. How a transfer affects your property taxes is decided by the County Assessor; we point you to the right office for your situation.
Why a bare form misses the deadline
A cheap online form prints a deed and stops there — you 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 $325.
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
Moving property out of a trust, answered
How do I take my property out of a living trust in California?
Why does my lender want the house out of the trust to refinance?
How much does it cost to transfer property out of a trust?
Do I have to put the property back into the trust after refinancing?
Will taking my home out of the trust trigger a property tax reassessment?
How fast can you record the deed?
Quitclaim or grant deed to move property out of a trust?
Can a Legal Document Assistant prepare a deed out of a trust without a lawyer?
Can you do this if my property is in another California county?
Trust deed services also available in Tiếng Việt · Español · We speak English
More ways we help with title & trusts
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 $325, county fees at cost, and the deed back into your trust ready after closing.