Legal Question in Real Estate Law in California

The HOA wants to ascertain who actually owns the property -- not who's living in it -- so if there is a delinquency in paying HOA assessments, it could assert its legal remedies against the right party and have the legal description of the property.

Further, once the deed is recorded, it is a public document, and if you don't furnish a copy, the HOA can just send someone to the courthouse and make a copy for themselves. So, you might as well not irritate them by making them go search; just go ahead and provide a copy. The deed doesn't show your financing - that's shown on the note accompanying your deed of trust.