Deed of trust fees

[Thomas P.]

I am using private money for a purchase. The person lending me the money is a friend. The reason I am using his money short term is to get on the deed and own the property free and clear (on paper). After two years refi and pay him back plus the agreed upon interest. My question is does a deed of trust need to be filed like a mortgage. When recording a mortgage it would cost me about $3,900 that is the fee I am looking to avoid. Does a deed of trust carry the same fees or tax as mortgage recording.

Thanks for your help.