Which item does NOT belong with foreclosure under a trust deed?

The item that does not belong with foreclosure under a trust deed is the special warranty deed. In the context of real estate and foreclosures, a special warranty deed is a type of deed in which the seller guarantees that they hold clear title to a property and will defend that title against any claims arising during their ownership period but does not offer protection against claims that may have arisen before their ownership.

In foreclosure scenarios, particularly those involving trust deeds in Utah, the focus is on the redemption periods—both the equitable and statutory periods—allowing borrowers time to reclaim their property after defaulting on a loan. The equitable period of redemption refers to a timeframe in which the borrower can pay off the debt up to the moment of foreclosure. The statutory period of redemption is a specified period dictated by law after the foreclosure sale during which the borrower can still reclaim the property.

The mention of three months relates to the statutory period often designated in certain foreclosure processes, which further distinguishes it. Since a special warranty deed is unrelated to the foreclosure process or the mechanisms of redemption, it does not belong in this context.