Cullman County Mortgage Form

Cullman County Mortgage Form
Fill in the blank form formatted to comply with all recording and content requirements.

Cullman County Mortgage Guidelines
Line by line guide explaining every blank on the form.

Cullman County Completed Example of the Mortgage Document
Example of a properly completed form for reference.

Cullman County Promissory Note Form
Note that is secured by the Mortgage. Can be used for traditional installments or balloon payment.

Cullman County Promissory Note Guidelines
Line by line guide explaining every blank on the form.

Cullman County Completed Example of the Promissory Note Document
Example of a properly completed form for reference.

Cullman County Annual Accounting Statement Form
Mail to borrower for fiscal year reporting.
All 7 documents above included • One-time purchase • No recurring fees
Immediate Download • Secure Checkout
Additional Alabama and Cullman County documents included at no extra charge:
Where to Record Your Documents
Probate Office: Recording Division
Cullman, Alabama 35055 / 35056-0970
Hours: 8:00 to 4:30 M-F
Phone: (256) 775-4808
Recording Tips for Cullman County:
- Double-check legal descriptions match your existing deed
- Check that your notary's commission hasn't expired
- Make copies of your documents before recording - keep originals safe
- Recording fees may differ from what's posted online - verify current rates
- Both spouses typically need to sign if property is jointly owned
Cities and Jurisdictions in Cullman County
Properties in any of these areas use Cullman County forms:
- Baileyton
- Bremen
- Crane Hill
- Cullman
- Garden City
- Hanceville
- Holly Pond
- Joppa
- Logan
- Vinemont
Hours, fees, requirements, and more for Cullman County
How do I get my forms?
Forms are available for immediate download after payment. The Cullman County forms will be in your account ready to download to your computer. An account is created for you during checkout if you don't have one. Forms are NOT emailed.
Are these forms guaranteed to be recordable in Cullman County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Cullman County including margin requirements, content requirements, font and font size requirements.
Can I reuse these forms?
Yes. You can reuse the forms for your personal use. For example, if you have multiple properties in Cullman County you only need to order once.
What do I need to use these forms?
The forms are PDFs that you fill out on your computer. You'll need Adobe Reader (free software that most computers already have). You do NOT enter your property information online - you download the blank forms and complete them privately on your own computer.
Are there any recurring fees?
No. This is a one-time purchase. Nothing to cancel, no memberships, no recurring fees.
How much does it cost to record in Cullman County?
Recording fees in Cullman County vary. Contact the recorder's office at (256) 775-4808 for current fees.
Questions answered? Let's get started!
The short definition of a mortgage is that it's a loan used to purchase real property. In Alabama, the mortgage is comprised of two parts: the security instrument and the promissory note. A security instrument is a specific type of document that provides security for the lender and contains terms (agreements) that apply until the buyer (borrower) repays the lender according to terms defined in an attached promissory note.
While the lender holds legal title to the property during this time, the borrower holds equitable title, which means they may occupy the property as if they hold legal title, but until the loan has been repaid, the lender actually owns it. This is because mortgages involve a lien against the property, held as security, that ends when the debt is repaid, and the owner assumes legal title (after recording a release of mortgage).
The buyer must also complete a promissory note. A promissory note is a negotiable instrument that contains an unconditional written promise, signed by the borrower, to repay the lender or its designated agent. It defines the amount and specific terms of the loan between the borrower and the lender and must be completed at the same time as the security instrument. Many lenders retain the promissory note for the duration of the mortgage and return it to the borrower after the debt is repaid.
The Code of Alabama sets forth the rules for mortgages in that state at Title 35 Section 10 but does not provide a statutory form for security instruments. A typical mortgage includes the names of all borrowers (and their spouses, if applicable), information about the lending institution, the date the borrower signed the promissory note, the property county and address, and a legal description of the property. The borrower must indicate if the security instrument includes any riders, or attachments that amend or supplement a document.
The mortgage must be signed by each borrower and acknowledged by an authorized individual. Alabama requires spouses' signatures for mortgages of single-family owner-occupied dwellings ("homestead mortgages"), even if they are not borrowers (Ala. Code Sec. 6-10-3). A homestead is defined in Alabama as a single-family owner-occupied dwelling.
Security instruments must meet standards of form and content for recording documents relating to real property. Record the completed mortgage at the local probate office.
Secured Promissory Notes in Alabama
At the same time the buyer fills out the mortgage form, they must also complete a promissory note. A promissory note is a negotiable instrument that contains an unconditional written promise, signed by the borrower, to repay the lender or its designated agent. It defines the amount and specific terms of the loan between the borrower and the lender.
Promissory notes can be secured or unsecured. Unsecured notes set forth the terms and conditions associated with repayment, but there is no mention of collateral to protect the lender's interest. These are more common with personal property. Mortgages, which are real property transactions, use secured promissory notes. The borrower offers the property as security (collateral) to guarantee the loan and agrees that a failure to repay the loan could cause the lender to foreclose on it.
The borrower must complete a promissory note, but it is rarely recorded with the mortgage. Many lenders retain the note for the duration of the mortgage and return it to the borrower after the debt is repaid. If the situation demands a recorded promissory note, ensure that it meets all state and local standards for submitting documents.
Use these forms to finance residential property, condominiums, planned unit developments, vacant land, small commercial and rental property up to 4 units (more than 4 units add our "Assignment of Rents and Leases" form). This mortgage contains a power of sale clause, allowing for a non-judicial foreclosure, saving time and expense for the lender. A Promissory Note secured by a Mortgage that include stringent default terms can be beneficial to the lender.
Section 35-10-1 - Power of Sale Constitutes Part of Security; by Whom Executed; Effect of Conveyance; Index of Foreclosure Deeds. Where a power to sell lands is given to the grantee in any mortgage, or other conveyance intended to secure the payment of money, the power is part of the security, and may be executed by any person, or the personal representative of any person who, by assignment or otherwise, becomes entitled to the money thus secured; and a conveyance of the lands sold under such power of sale to the purchaser at the sale, executed by the mortgagee, any assignee or other person entitled to the money thus secured, his agent or attorney, or the auctioneer making the sale, vests the legal title thereto in such purchaser. Probate judges shall index foreclosure deeds by the names of the original grantor and grantee in the mortgage, and also by the names of the grantor and grantee in the foreclosure deeds.
This article is provided for informational purposes only and is not a substitute for the advice of an attorney.
(Alabama Mortgage Package includes forms, guidelines, and completed examples) For use in Alabama only.
Important: Your property must be located in Cullman County to use these forms. Documents should be recorded at the office below.
This Mortgage meets all recording requirements specific to Cullman County.
Our Promise
The documents you receive here will meet, or exceed, the Cullman County recording requirements for formatting. If there's an issue caused by our formatting, we'll make it right and refund your payment.
Save Time and Money
Get your Cullman County Mortgage form done right the first time with Deeds.com Uniform Conveyancing Blanks. At Deeds.com, we understand that your time and money are valuable resources, and we don't want you to face a penalty fee or rejection imposed by a county recorder for submitting nonstandard documents. We constantly review and update our forms to meet rapidly changing state and county recording requirements for roughly 3,500 counties and local jurisdictions.
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