A Simple Guide to Deed Transfers in Texas

  • By JD Walt
  • 01 Apr, 2025

Everything You Need to Know About the Deed Transfer Process in Texas — Simplified and Explained

At AWA Law Firm, we often get calls from Texans who need help with something called a deed transfer — but aren’t quite sure where to start. Whether you are transferring property to a family member, as part of estate planning, or due to a sale or gift, it’s important to understand the basics of how a deed transfer in Texas works.

In this blog, we’ll walk you through the steps to successfully transfer property ownership, common situations where you might need a deed transfer, and how an experienced law firm like ours can make the process simple and stress-free.


What is a Deed Transfer?

A deed is a legal document that officially transfers ownership of real estate from one person or entity to another. In Texas, a deed transfer is required whenever you want to legally give or sell property to someone else. This applies whether you are transferring property between family members, adding someone to the title, gifting property, or handling property through a will or trust.


Common Reasons for Deed Transfers in Texas

At AWA Law Firm, we’ve handled thousands of deed transfers, and here are some of the most common reasons clients come to us for help:

  • Transferring property to children or other family members
  • Adding a spouse to the deed after marriage
  • Removing a spouse after divorce
  • Gifting property without a sale
  • Estate planning or probate situations
  • Correcting errors in an existing deed
  • Selling property between individuals without a title company

The Steps to Complete a Deed Transfer in Texas

1. Identify the Type of Deed You Need

There are different types of deeds used for a Texas deed transfer, including:

  • General Warranty Deed – Offers the highest level of protection to the buyer.
  • Special Warranty Deed – Offers limited protection, common in commercial transactions.
  • Quitclaim Deed – Transfers any ownership interest without guaranteeing the property is free of issues, often used between family members. AWA Law Firm does not recommend using Quitclaim deeds for many reasons. 
  • Lady Bird Deed (Enhanced Life Estate Deed) – A popular tool in Texas for estate planning.
  • Transfer on Death Deed - These were born out of Texas legislation and is another viable estate planning tool. 

Choosing the correct deed is crucial, and our legal team can help you select the one that fits your situation.

2. Prepare the Deed

The deed must be carefully drafted, including:

  • Full legal description of the property
  • Names of the current and new owners (grantor and grantee)
  • Clear statement of intent to transfer ownership
  • Signature of the grantor
  • Notarization

Improper drafting can lead to costly legal problems later, which is why many Texans trust our firm to handle this step.

3. Sign and Notarize the Deed

In Texas, the deed must be signed by the grantor in front of a notary public. Without notarization, the deed cannot be legally recorded.

4. File the Deed with the County Clerk

Once signed and notarized, the deed must be recorded with the County Clerk’s Office in the county where the property is located. Filing the deed makes the transfer official and part of public record.

5. Update Property Records and Pay Any Fees

Some transfers may require notifying the appraisal district, mortgage company, or homeowners' association. Recording fees and, in some cases, property transfer taxes may apply.


Why You Should Work with a Law Firm for Your Deed Transfer

While it may seem simple at first, Texas deed transfers often involve technical details that can cause big issues if overlooked. Common mistakes we see include:

  • Incorrect legal descriptions
  • Missing or improper signatures
  • Failing to properly record the deed
  • Using the wrong type of deed for the situation

At AWA Law Firm, we handle deed transfers every day. Our team ensures the deed is drafted properly, filed correctly, and that your ownership rights are fully protected. We also explain the process in plain English, so you always know what’s happening.


Get Help with Your Deed Transfer Today

If you need help with a deed transfer in Texas, don’t leave it to chance. Whether you are gifting property to a loved one, preparing your estate plan, or need to correct a deed, AWA Law Firm is here to help.

Contact us today for a consultation: 📞 713-581-1150
🌐 www.awalawfirm.com
📧 legalteam@awalawfirm.com

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How the 10-Year Treasury Rate Impacts Mortgage Rates: An Informational Guide

When navigating the complexities of home financing, understanding the factors that influence mortgage rates can be invaluable. One critical yet often overlooked component is the 10-year Treasury yield. Let’s explore how the 10-year Treasury rate affects mortgage rates and what drives changes in this key financial indicator.

The Connection Between the 10-Year Treasury Rate and Mortgage Rates

The 10-year Treasury note is a debt obligation issued by the U.S. government, offering investors a fixed return over a decade. Its yield serves as a benchmark for many financial products, including mortgage rates. Here’s why:

  1. Risk-Free Comparison: Treasury notes are considered virtually risk-free since they are backed by the U.S. government. Mortgage rates, on the other hand, carry some risk due to potential borrower default. Lenders use the 10-year Treasury yield as a baseline and add a risk premium to determine mortgage rates.
  2. Market Dynamics: Investors view Treasuries and mortgages as alternative fixed-income investments. When Treasury yields rise, mortgage rates often follow suit, as both are competing for the same pool of investors.
  3. Correlation with Fixed-Rate Mortgages: While mortgage rates don’t move in lockstep with the 10-year Treasury yield, there is a strong correlation. Fixed-rate mortgages, particularly 30-year loans, are priced based on the yields of securities like the 10-year Treasury because of their comparable durations and investor demand.

Factors That Influence the 10-Year Treasury Rate

The 10-year Treasury rate is not static; it fluctuates based on several economic and market conditions. Understanding these influences can provide insight into mortgage rate trends.

  1. Economic Growth: When the economy is strong, investors demand higher yields on Treasuries due to increased opportunities for higher returns elsewhere. Conversely, during economic slowdowns, investors flock to safer assets like Treasuries, driving yields lower.
  2. Inflation Expectations: Inflation erodes the purchasing power of fixed-income returns. If inflation is expected to rise, Treasury yields typically increase to compensate for the anticipated loss of value.
  3. Federal Reserve Policies: While the Federal Reserve doesn’t directly control the 10-year Treasury rate, its monetary policies significantly influence it. For example, when the Fed raises short-term interest rates to curb inflation, long-term rates, including the 10-year Treasury yield, often adjust upward.
  4. Global Demand for U.S. Treasuries: U.S. Treasuries are a global safe-haven asset. High demand from international investors, especially during geopolitical or financial uncertainty, can push yields down.

Why It Matters for Homebuyers

Understanding the interplay between the 10-year Treasury rate and mortgage rates can help homebuyers time their decisions effectively. For example, during periods of low Treasury yields, mortgage rates tend to be more favorable, presenting an opportune moment for financing or refinancing a home.

In contrast, rising Treasury yields signal higher borrowing costs, encouraging prospective buyers to lock in rates sooner rather than later.

Final Thoughts

The relationship between the 10-year Treasury yield and mortgage rates underscores the interconnectedness of financial markets and the broader economy. By keeping an eye on Treasury trends and the factors driving them, borrowers can make more informed decisions about their mortgage options.

At AWA Law Firm, we’re committed to empowering clients with the knowledge they need to navigate real estate transactions successfully. Contact us today to learn how our legal expertise can complement your financial planning.

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