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Because of this, deeds of trusts can be preferable, especially for smaller, non-traditional lenders. You can read more about the similarities and differences between a mortgage and a deed of trust, but it’s important to know which states allow you to use one or the other. Below, you can find that list.
Note that many states do in fact allow both. Blank cells mean simply that the state does not allow the document in the titled column.
State | Mortgage allowed | Deed of trust allowed |
| Alabama | Y | Y |
| Alaska | Y | |
| Arizona | Y | Y |
| Arkansas | Y | Y |
| California | Y | |
| Colorado | Y | |
| Connecticut | Y | |
| Delaware | Y | |
| D.C. | Y | |
| Florida | Y | |
| Georgia | Y | |
| Hawaii | Y | |
| Idaho | Y | |
| Illinois | Y | Y |
| Indiana | Y | |
| Iowa | Y | |
| Kansas | Y | |
| Kentucky | Y | Y |
| Louisiana | Y | |
| Maine | Y | |
| Maryland | Y | Y |
| Massachusetts | Y | |
| Michigan | Y | Y |
| Minnesota | Y | |
| Mississippi | Y | |
| Missouri | Y | |
| Montana | Y | Y |
| Nebraska | Y | |
| Nevada | Y | |
| New Hampshire | Y | |
| New Jersey | Y | |
| New Mexico | Y | |
| New York | Y | |
| North Carolina | Y | |
| North Dakota | Y | |
| Ohio | Y | |
| Oklahoma | Y | |
| Oregon | Y | |
| Pennsylvania | Y | |
| Rhode Island | Y | |
| South Carolina | Y | |
| South Dakota | Y | Y |
| Tennessee | Y | |
| Texas | Y | |
| Utah | Y | |
| Vermont | Y | |
| Virginia | Y | |
| Washington | Y | |
| West Virginia | Y | |
| Wisconsin | Y | |
| Wyoming | Y |
Get started Start Deed of Trust Answer a few questions. We'll take care of the rest.
Get started Start Deed of Trust Answer a few questions. We'll take care of the rest.
