Compare Mortgage Quotes

Refinance Rates for Today

Please enable JavaScript for the best experience.

In the mean time, check out our refinance rates!

Company Loan Type APR Est. Pmt.

Texas Warranty Deed - How it differs from other states

Hi all,
A relative bought a home as a single man six months before getting married because he did not want to put his new wife's name on the mortgage, title, or deed. Now six months after they are married, a "Warranty Deed" (title on the top of the document) has been filed with the county stating that a 1/2 undivided interest has been granted to her. There is an outstanding mortgage on the home. Is it legal in Texas to grant your wife 1/2 of a home when you don't actually own it yet? The recorded deed prior to this one stated"General warranty deed-vendor lien". Also, the new deed filed is stamped on the last page: Returned at counter to: "an attorney's name in care of my relative's home address". The title company or mortgage company are never mentioned. I want to make sure he hasn't done something that will get him in trouble later. Thanks for your input. Concerned relative

larry2's picture
larry2 | Joined: June 27, 2007 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

Welcome to the forum.

He can add his wife to the title of the property but cannot use the deed you've mentioned as the property is still mortgaged. He should use a quitclaim deed to add his wife on the deed.

He should also inform the lender before quitclaiming the property to his wife.

Feel free to ask if you have any further questions.

Best of luck,
Larry

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Caron's picture
Caron | Joined: July 19, 2005 08:37 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Jft,

[quote:4db5119ef4]Is it legal in Texas to grant your wife 1/2 of a home when you don't actually own it yet?[/quote:4db5119ef4]

Why do you say that the relative doesn't own the home? He has filed the deed, isn't it? May be it's now that he feels he should adds his wife to the deed and that's the reason he is doing so. But his wife isn't on the loan as the deed doesn't transfer a loan.

I hope the deed has been checked through by the title company, so even if there name isn't mentioned, it won't create a problem.

Just in case you feel I haven't understood your question, please clarify it once again so that I can give you the right suggestion.

Good luck

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

jheard's picture
jheard | Joined: December 12, 2007 08:20 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

He does own the home. A mortgage is a security interest in a property. The lender does not own the home. Thus, the owner can give a 1/2 property interest to his wife.

A warranty deed can be used on a mortgaged property, as long as the mortgage is listed in the deed.

Since Texas is a community property state, the wife will own 1/2 of the property equity that is gained during the marriage. It sounds like the lender is trying to cover all bases by making sure the wife is on the title.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

How can we get legal documents for property, we know it belongs to us, but we can't find a deed in our deceased name. What steps should we follow, our deceased Aunt- paid all taxes on such said property for over 70 yrs.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

larry2's picture
larry2 | Joined: June 27, 2007 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest.

You should go for a title search or inquire this in the county recorder's office to find out who is on the title. Also contact with an attorney.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My ex husban has taken possession of my home awarded in the divorce. We were civil up until 6 mos ago. Now he calls it his home. What do I need to do to gain my property back.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I filed in the county court but he apparently changed it. Can I re claim by filing in the county court office and change back in the tax office

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi jackrussel!

Welcome to forums!

You must be having a legal document stating that the house has been awarded to you. You can consult an attorney and show him the document. He/she will tell you where you need to file a case against this.

Feel free to ask if you have further questions.

Sussane.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Paid off mortgage on a home and purchased from my daughter. If I have a Texas Warranty Deed, can I file this myself at the county clerk's office?

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi DAC!

Welcome to Forums!

It will be better if you could take the help of an attorney and not file it yourself.

Feel free to ask if you have further queries.

Sussane

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

We have been married ten years, my husband bought our home and his name is the only name on the title, but his will leaves the home to me if he should pass away. How hard is it to tranfer the deed to my name.

Thank you.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Moved to Texas, husband bought home, no mortgage, married 10 years, the will leaves everything to the wife. How hard is it to transfer the deed to the wife's name after death?

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi barb!

If there is a will which leaves everything in the name of the wife, then there will be no issues in transferring the property. However as there is a will, there will be a probate which may take some time.

Thanks,

Jerry

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I need to file a general warranty deed in houston, texas. I don't know where to go. Can anybody help me.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

HI janelee!

You can check the following link to get your answer

http://www.mortgagefit.com/texas/filewarranty-deed.html

Thanks,

Jerry

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

home is paid off.what legal papers do I need to aqiure and keep?

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi hgs!

When your loan is paid in full, your lender will give back your original mortgage and note, along with a document called "satisfaction of mortgages." You can also ask for a "release of mortgage letter".

Thanks.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i will be selling a property that i inhereted from my parents. it is under a warranty deed. do i need to change the deed to my name before selling? the warranty deed is in my name.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi petie,

If the warranty deed for the property is in your name, then you will not be required to change it. If the property deed is in the name of your parents, then you will have to change it in your name and then sell the property.

Thanks.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

my brother and I were partners then we split the partnership my share was a property stip center which was recorded to his name , i had to waite to to do the warranty deed title until he paid a Bank loan so I can transfer the tile . 5 years later he had a problem a copmpany got judgement against him , so the court appointed reciever took my property
and sold it to an individsual and lost that property , they did acknowledge my interest in the propert but still did not get anythings what can I do to get back since i had a real extate agreement 5 years prior to that ?

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Mohammad salaymeh!

You have mentioned that the property was already sold to someone else. In this case, I'm afraid, that you will not be able to do anything. You won't be able to recover it. Still to be on the safer side, you can consult an attorney.

Thanks.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

How long does a person in Texas have to file a Warranty Deed in Texas? Are There Time limits?

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi BUD!

Your question is not clear to me. However as far as I know, you can file a warranty deed when you are selling a property or when someone is selling property to you. You will have to notarize it and then as soon as possible record it at the county recorder's office.

Thanks,

Jerry

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hello
I was divorced last year, and we divided our property such that my ex wife would keep the house. She refinanced it in her own name already, but I need to take my name off of the deed. I've been searching but can't seem to find the exact form I need. Any suggestions? I'm located in Austin, Tx.

Thanks

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi freeflyer,

In order to remove your name from the property deed, you will have to sign a quitclaim deed. You can take the help of an attorney to draft a [url=http://www.mortgagefit.com/predeal/quitclaim-stateforms.html]quitclaim deed form[/url] or can get these quitclaim deed forms online. Once you sign it, you need to notarize and record it at the county recorder's office.

You may also get some of the sample quitclaim deed form in the given link:
http://www.wsba.org/info/x-12c.pdf

Thanks,

Jerry

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I owned my home before getting married and I want to convert it into community property. I understand that a written agreement between husband and wife suffices to convert separate real property into community property. Is it necessary to change the deed as well? If so, what do I have to do to change the name on the deed?

Thank you

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi CHUCK!

You can sign a quitclaim deed and add your spouse's name to transfer the your separate property into community property. You can get these forms online but its better to get it drafted by an attorney.

Thanks

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Husband & wife own property. H&W are now separated. Divorce not final. Wife will deed her interest to the property to her soon to be ex- husband. Husband refinancing/reverse mortgage. What "Deed" do we use in the state of Texas.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I want to buy to wooded lots next to each other and was wondering if a warrenty deed would be the way to go? The owner has had the land for over 20 years. Any suggestions?

Thanks

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

To Big Bear,

The wife can use a quitclaim deed to transfer the property to her soon to be ex-husband. Quitclaim deed forms are available online but it is always better to draft the deed from an attorney. Once the deed is filled out, it needs to be notarized and filed at the county recorder's office.

To toshgaal,

Yes, you can use a warranty deed while buying the wooden lots. To know more about warranty deed, check out the given link:
http://www.mortgagefit.com/warranty-deed.html

Thanks,

Jerry

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Can i deed the house over to my daughter? if so, what is simplest way?

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome skaterdon,

If your daughter is an adult, you can add her to the property title with the help of a quitclaim deed. You can get sample quitclaim deed forms online but it is always better to draft the deed from an attorney.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I bought a house with the mortgage under my name, I am a recent widow and now my daughter and son in law live with me, to whom I'd like this house to go to should something happen to me. how can i guarantee they will not have to refinance etc etc and can just resume paying the mortgage (as they are the ones who pay it now any ways)

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I recently became a widow and now live with my daughter and son in law, I bought the house under my name, so the mortgage is under my name. however I want to assure they have the house if something were to happen to me, how can I assure this without them having to refinance etc etc? They already pay the mortgage as it is, and would hate them have to refinance in the midst of what might be a trying time should something happen to me.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Jess

As far as I know, if the ownership of the property changes, then the new owners will have to refinance the property in their name. However, in your case, as your son-in-law and daughter are paying the mortgage dues, they may speak to the lender about [url=http://www.mortgagefit.com/know-how/novation-mtg.html]novation[/url] which is also a way of transferring the mortgage. But you should note that lenders prefer refinancing over novation and it will be totally the lender's discretion whether he will accept a novation or not.

Thanks.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have two clients who purchased land in Houston, TX and they jointly own it. One owner wants to grant his undivided interest in the land to the other owner. What's the best way to do it without involving a title company? Thanks!
"joetrak@aol.com"

[size=9:2c40acbfbf][color=Red:2c40acbfbf][Link deactivated as per forum rules. Thanks.][/color:2c40acbfbf][/size:2c40acbfbf]

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi txaustinjoe,

The owner who wants to transfer the property can sign a quitclaim deed in the name of the other owner. Once the deed is signed, it has to be notarized and recorded at the county recorder's office. But you should remember that if there is a mortgage on the land, then that mortgage will have to refinanced by the new owner.

Thanks,

Jerry

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Jerry,
Thanks for taking the time to reply. I thought a simple quitclaim would do the trick until someone said that in Texas, title companies have recently been refusing to accept quitclaim deeds as the carry too much risk. If that is the case, would a general warranty deed protect the grantee? Thanks!

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome Guest,

Yes, you can use a general warranty deed for the transfer of the property as well.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I am recently divorced and my ex husband's attorney did not have him sign the warranty deed included. Can the divorce decree be used to obtain clear title to the house (clearly stated in the decree)? I am trying to refinance and the title company has asked for the warranty deed and now the ex husband is refusing to sign one.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I had poa for my mother she sold me her house for $500.00 5 years ago, I never filed or transefer the property, she is now deceased. Is the warranty deed still valid

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My parents filed a Warranty Deed granting their home (and lot next door) to my uncle 10 years ago (no mortage on the house at that time). An attorney filed it and appears to have all of the clauses required in Texas.

Can my uncle file another Warranty Deed using the same language as the first one (but switching out the names) granting the home back to my dad? My dad is and 65 and wants to lower his property taxes.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi LS!

Welcome to forums!

In my opinion, your uncle can use a warranty deed to transfer the property to your father using the same language. But it is always better to take the help of an attorney in doing these things.

Feel free to ask if you have further queries.

Sussane

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Thanks Sussane!

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hello,

I need to find out what my Mom should do, to get a home, in Texas, in her name and out of my uncle's name.

1. My uncle's name is on the deed, my uncle is in prison and unavailable

2. my terminally ill aunt (his wife), using my uncle's full power of attorney, wrote a Notarized letter to my mother (her sister) stating that, upon my aunt's death, my Mother could pay off the house and then it would be my mothers property.

3. My aunt died, and then my mother had all the taxes and association fees transferred into her name, using the power of attorney and notarized letter.

4. Finally, my mother paid off the house and the mortgage bank sent my mother the Deed in my Uncle's name.

5. Now we need to know what we need to do, to get my uncle's name off the property title/Deed and into my mother's name only.

Thank you

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

We just sold our mobile (plus the lots that it is on) to a couple from California. We agreed to split the title cost. I took the info to the same title company we used when we bought it 3 years ago. The total cost is going to be around $1000. This seems high. Could we have just used a Texas warranty deed to transfer the title.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome,

To usmctoys,

Your uncle now needs to sign a quitclaim deed in your mother's favor giving her the ownership rights of the property. Once he signs the quitclaim deed, she will have to notarize and record the deed at the county recorder's office.

To tefarmer,

As far as I know, yes, you can use a Texas warranty deed in order to transfer the title to the new buyers. But you will have to notarize and record it.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hello,
My husband and I bought a townhome several years ago and we just paid it off. We received the warranty deed and we were advised to have it recorded at the county clerk's office. I'm new in all this and I don't know what steps to take or how the process works. Can anyone help me please?
P.S. What documents should I bring to the county clerk's office when I file the warranty deed?
Thanks.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My parents own a home and have a [url=http://www.mortgagefit.com/home-equity.html]home equity loan[/url] outstanding on the home. I want to "purchase" the home (pay off the equity loan) and change ownership to my name. What is the easiest and cheapest way to do this in Texas?

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

To extremely overwhelmed,

Congratulations!!! It's a great news that you paid off the mortgage. As far as I know, you will require the warranty deed in order to record it at the county recorder's office. It will be better if you can take the help of an attorney in this regard.

To Anjee

In order to buy the home, you can use a warranty deed to transfer the property. As far as the mortgage is concerned, you will have to [url=http://www.mortgagefit.com/refinance.html]refinance[/url] the mortgage in your name. But check out if there is a due on sale clause mentioned in the current mortgage docs. In that case, the mortgage will become due if your parents sell off the property.

Thanks.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:40 | Post subject:

Page loaded in 0.403 seconds.