<human>:  What is the difference between a mortgage and a deed of trust?
<bot>: The main difference between a mortgage and a deed of trust is that a mortgage creates a lien against the property, which means that if the borrower does not make their payments on time, the lender can take possession of the property. A deed of trust, on the other hand, actually transfers the title of the property to a trustee, which is then held in trust until the terms of the loan are fulfilled.