Lost Trust Deed – Lost Trust Note

American Surety Bonds Agency helps individuals and businesses obtain a Lost Trust Deed / Lost Trust Note Bond, also called an indemnity bond, when a lender, mortgage servicer, or title insurance company requires one to clear the title on a property whose original trust deed or promissory note has been lost, stolen, or destroyed.

Ready to apply? Apply for a Lost Trust Deed / Lost Trust Note Bond now.

This bond may also be called:

• Lost Trust Deed Bond
• Lost Trust Note Bond
• Lost Note Bond
• Bond of Indemnity (for a lost note or trust deed)
• Lost Instrument Bond

These generally refer to the same category of bond described on this page. Note that some California sureties specifically also call this a “Reconveyance Surety Bond,” tied to that state’s own statutory bond formula, this isn’t a nationwide term.

A Lost Trust Deed / Lost Trust Note Bond is a type of indemnity bond that lets a lender, mortgage servicer, or title insurance company clear the title on a property when the original trust deed or promissory note can’t be located. It protects the lender or title company: if the original document later resurfaces and someone else tries to enforce it, the bond reimburses them for that loss.

A lost promissory note is governed by UCC Section 3-309, which lets a lender enforce a lost, destroyed, or stolen instrument if it can prove the note’s terms and its right to enforce it, so long as the person who owes the debt is adequately protected against a later claim on the same note. This bond is how that protection is typically provided. You may need this bond if you never received a Deed of Reconveyance from a lender that’s since gone out of business, since that missing document can hold up a sale or refinance the same way a lost note or trust deed does.

You may need this Bond if:

• Your original trust deed or promissory note was lost, stolen, or destroyed
• You never received a Deed of Reconveyance from a lender that’s no longer in business
• Your lender, mortgage servicer, or title company has told you it needs an indemnity bond before clearing title or reissuing the note
• You’re trying to sell or refinance your property but can’t produce the original loan documents

If what you lost is a different kind of instrument, for example a bank-issued check or money order, see our guide to a Lost Cashier’s Check Bond instead, or if it’s a stock certificate, see our Lost Stock Certificate Bond guide.

There’s no fixed, nationwide amount for this bond, instead it’s set by the lender, mortgage servicer, or title insurance company requiring it, based on your original loan amount. We individually underwrite your premium (what you actually pay) based on that amount and your credit history, and it may vary depending on the information you provide during the application.

To apply, you’ll generally need:

• Your original loan amount and the lender or servicer’s name
• A copy of your preliminary title report, if you have one
• A copy of the deed of trust, if available
• Any payment records showing the loan has been paid off
• Personal information for a credit history review

Once we confirm your application and loan details, our underwriting team will provide your rate. Then, once you pay for your bond, we’ll issue it same day.

Obtaining your bond through American Surety Bonds Agency is simple:

1. Complete the online application with your lost trust deed or note details.
2. Our underwriting team reviews your application and credit history.
3. Once approved, review your rate and pay for your bond.
4. Receive your completed bond to submit to your lender, mortgage servicer, or title company along with any other paperwork it requires.

American Surety Bonds Agency has been helping individuals and businesses meet their bonding requirements for decades. Whether you’re dealing with a lost trust deed or note for the first time or you’ve been through this before, our experienced team is here to make the process simple and efficient.

When you choose American Surety Bonds Agency, you’ll receive:

• Experienced surety bond professionals
• Competitive rates from leading surety companies
• Fast underwriting and responsive customer service
• A secure online application process
• Assistance throughout the bonding process

Above all, we’re committed to helping you meet your bonding requirement quickly and correctly, with experienced guidance every step of the way.

Complete our simple online application or speak with one of our surety specialists today.

American Surety Bonds Agency proudly serves businesses nationwide with fast approvals, competitive rates, and responsive service.

American Surety can also assist you with any of your other bonding needs, as we are licensed in all 50 states. Call us today at (404) 486-2355 or our toll-free number (877) 201-8976 or find us on Facebook, Twitter, or LinkedIn!