Which document contains the legal description and reveals the names of the individuals on title?

• A. Pre-Approval letter
• B. Warranty Deed
• C. Closing Disclosure
• D. Title insurance policy

Answer: (B)

Ownership and the exact parcel are defined in the deed. The warranty deed is the instrument that transfers title from the seller to the buyer and, in doing so, records the property’s legal description and the names of the grantor and grantee—the people on title. The other documents serve different purposes: a pre-approval letter covers loan eligibility, a closing disclosure outlines loan terms and closing costs, and a title insurance policy provides protection against title defects and lists insured parties, but it isn’t the document that records who actually holds title. So the warranty deed is the document that contains the legal description and reveals the names on title.