A warranty deed or quit claim deed is executed and recorded at the time of sale. Title to real estate is held subject to the Deed of Trust, which is released from the records when it is paid off. If the mortgage loan was assumed from another party, the previous owner's name(s) is listed on the original security instrument (a deed of trust or mortgage); therefore, the lien on record with the local recording jurisdiction is listed in their name(s). Since the release documents provided are to release the lien with the local jurisdiction, it is necessary to list the original borrower on the documents. If you assumed a loan originally made to someone else, recording of the release documents will release the lien from the property.