Although they’re often confused, the deed of trust isn’t the same as the deed to a home. As the homebuyer, you’re responsible for signing the mortgage note and the deed of trust during closing. A mortgage note is the written promise from you, the borrower, to Guild or another lender to repay a specified amount of money plus interest at a specified rate and length of time. The deed of trust is the loan document that secures the mortgage note. The deed to a home is signed by the seller, granting property ownership to the buyer, which completes the title transfer.