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 |
This article contains general legal information and does not contain legal advice. Rocket Lawyer is not a law firm or a substitute for an attorney or law firm. The law is complex and changes often. For legal advice, please ask a lawyer.
