Etowah County Mortgage Forms (Alabama)
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Form Package
Mortgage
State
Alabama
Area
Etowah County
Price
$27.97
Delivery
Immediate Download
Payment Information
Included Forms
All Etowah County specific forms and documents listed below are included in your immediate download package:
Mortgage Form
Fill in the blank form formatted to comply with all recording and content requirements.
Included document last reviewed/updated 3/14/2024
Mortgage Guidelines
Line by line guide explaining every blank on the form.
Included document last reviewed/updated 3/26/2024
Completed Example of the Mortgage Document
Example of a properly completed form for reference.
Included document last reviewed/updated 4/3/2024
Promissory Note Form
Note that is secured by the Mortgage. Can be used for traditional installments or balloon payment.
Included document last reviewed/updated 3/11/2024
Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Included document last reviewed/updated 4/23/2024
Completed Example of the Promissory Note Document
Example of a properly completed form for reference.
Included document last reviewed/updated 4/9/2024
Annual Accounting Statement Form
Mail to borrower for fiscal year reporting.
Included document last reviewed/updated 3/26/2024
Included Supplemental Documents
The following Alabama and Etowah County supplemental forms are included as a courtesy with your order.
Frequently Asked Questions:
How long does it take to get my forms?
Forms are available immediately after submitting payment.
What are supplemental forms?
Often when a deed is recorded, additional documents are required by Alabama or Etowah County. These could be tax related, informational, or even as simple as a coversheet. Supplemental forms are provided for free with your order where available.
How do I get my forms, are they emailed?
Forms are NOT emailed to you. Immediately after you submit payment, the Etowah County forms you order will be available for download directly from your account. You can then download the forms to your computer. If you do not already have an account, one will be created for you as part of the order process, and your login details will be sent to you. If you encounter any issues accessing your forms, please reach out to our support team for assistance.
What type of files are the forms?
All of our Etowah County Mortgage forms are PDFs. You will need to have or get Adobe Reader to use our forms. Adobe Reader is free software that most computers already have installed.
Can the Mortgage forms be re-used?
Yes. You can re-use the forms for your personal use. For example, if you have more than one property in Etowah County that you need to transfer you would only need to order our forms once for all of your properties in Etowah County.
Are these forms guaranteed to be recordable in Etowah County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Etowah County including margin requirements, content requirements, font and font size requirements.
Do I have to enter all of my property information online?
No. The blank forms are downloaded to your computer and you fill them out there, at your convenience.
Can I save the completed form, email it to someone?
Yes, you can save your deed form at any point with your information in it. The forms can also be emailed, blank or complete, as attachments.
Do I need any special software to use these forms?
You will need to have Adobe Reader installed on your computer to use our forms. Adobe Reader is free software that most computers already have installed.
Are there any recurring fees involved?
No. Nothing to cancel, no memberships, no recurring fees.
Areas Covered by These Mortgage Forms:
- Etowah County
Including:
- Altoona
- Attalla
- Boaz
- Gadsden
- Gallant
- Rainbow City
- Walnut Grove
What is the Alabama Mortgage
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.
Our Promise
The documents you receive here will meet, or exceed, the Etowah County recording requirements for formatting. If there's an issue caused by our formatting, we'll make it right and refund your payment.
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Get your Etowah 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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Michael L.
April 25th, 2024
Professional, simple. Very good.
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April 25th, 2024
Always helpful!\r\n
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Mark E.
April 25th, 2024
This was easy to use and only contained one glaring error-where to send the completed form to finish the process. I’ve completed the form, does this mean I get the amended deed sent to me? I think not.
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May 2nd, 2019
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April 13th, 2020
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August 4th, 2022
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June 3rd, 2019
Downloadable documents, instructions and a completed sample form were just what I needed. Very pleased and easy to use. Deeds.com will be my first stop for any future documents I may need. Thank you!
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August 30th, 2022
The Deeds.com site made is relatively simple to download a Beneficiary Deed form specific to St Louis, which is great, because neither the city or state provide this. Thanks!
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catherine f.
May 28th, 2019
Easy! 5 stars
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Thomas D.
April 30th, 2020
The documents themselves are fine and the information provided with them is helpful. I find the actual processing of the documents, however, to be difficult particularly once the document has been saved. First, I note that the box for the date only allows entry of the last 2 digits of the year. Unfortunately, my download only allows me to enter one of the 2 digits required. When I delete it repeatedly, it eventually allows both digits to be entered but puts them in extremely small text and in superscrypt. I have not found a solution to this problem and am not sure the deed can even be recorded with this problem.
Another problem is that if you try to revise the document after you have saved it the curser goes to the end of the line after each key entry. This means that there basically is no way to efficiently save the document for reworking later since you will have to delete everything you have entered in the text box unless you only need to make a single keystroke change or are willing to replace the curser after each entry. Try that with a long property description!
Please note that I am using a Mac to prepare my documents and perhaps this is part of an "incompatibility problem". However, I didn't see a disclaimer regarding Mac use and so would expect the documents to perform correctly. Overall, I give the program a "2 star" rating because I am experiencing significant difficulties in entering dates in the documents even before saving them and because saving your work for later revision appears to be basically unworkable.
Thank you for your feedback Thomas, we appreciate you being specific about the issues you encountered. Adobe and Mac have a fairly long history of issues working together.
Rick F.
April 27th, 2020
Your website was very easy to navigate and I accomplished my single task successfully. It was accomplished with zero issues and in a timely fashion. When or if the need arises, I will definitely use your service again. Thank you!
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Leslie C.
September 13th, 2023
I recently purchased online DIY legal forms, and I must say I was thoroughly impressed. The documents provided were accurate, comprehensive, and precisely what I needed. The accompanying guide was clear, instructive, and really bridged the gap for someone like me who isn't well-versed in legal jargon. What stood out the most, however, was the inclusion of the example. It served as a practical reference and made the entire process so much more approachable. Being able to see a filled-out sample made all the difference. Overall, this product has been invaluable in helping me navigate legal processes on my own.
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Kasie K.
May 15th, 2020
This was such an easy transaction and quicker than if I went to the recording office. During this time of COVID19 and not being able to record documents in person it helped us to get what we needed and quickly.
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Any S.
January 11th, 2019
I was looking for realty transfer or deed in the name of ***** **** and could never find the list of realty transfers.
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Kevin L.
May 31st, 2019
All the paperwork I need......Great service
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