Who is considered the grantee in a deed of trust?

In a deed of trust, the grantee is typically the borrower on the loan, often referred to as the trustor. The borrower conveys their interest in the property to a trustee, who holds the title on behalf of the lender. Among the choices provided, the lien holder of the loan, who is the beneficiary in a deed of trust, is responsible for the security of the loan and has an interest in ensuring the obligations of the borrower are fulfilled.

The deed of trust creates a three-party relationship involving the borrower (trustor), the lender (beneficiary), and the trustee. The grantee, in the context of title and deed, usually refers to the person receiving the interest in the property, which aligns with the role of the borrower as they are the ones benefitting from the financing. Thus, identifying the lien holder of the loan as the grantee would be incorrect in this context. The grantee in a deed of trust situation is more accurately represented by the borrower's interest in the property rather than the lender's interest.