// start plausible analytics // end plausible analytics
Alabama Forms

Morgan County Mortgage Form

Morgan County Mortgage Form

Morgan County Mortgage Form

Fill in the blank form formatted to comply with all recording and content requirements.

Document Last Validated 7/8/2025
Morgan County Mortgage Guidelines

Morgan County Mortgage Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 6/6/2025
Morgan County Completed Example of the Mortgage Document

Morgan County Completed Example of the Mortgage Document

Example of a properly completed form for reference.

Document Last Validated 7/29/2025
Morgan County Promissory Note Form

Morgan County Promissory Note Form

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

Document Last Validated 6/3/2025
Morgan County Promissory Note Guidelines

Morgan County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 7/15/2025
Morgan County Completed Example of the Promissory Note Document

Morgan County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

Document Last Validated 2/25/2025
Morgan County Annual Accounting Statement Form

Morgan County Annual Accounting Statement Form

Mail to borrower for fiscal year reporting.

Document Last Validated 6/17/2025

All 7 documents above included • One-time purchase • No recurring fees

Immediate Download • Secure Checkout

Important: Your property must be located in Morgan County to use these forms. Documents should be recorded at the office below.

Where to Record Your Documents

Morgan County Probate Office
Address:
Courthouse, 2nd floor - 302 Lee Street NE / PO Box 848
Decatur, Alabama 35601 / 35602

Hours: 8:00 to 4:30 M-F

Phone: (256) 351-4680

Recording Tips for Morgan County:
  • White-out or correction fluid may cause rejection
  • Ask if they accept credit cards - many offices are cash/check only
  • Ask about their eRecording option for future transactions
  • Multi-page documents may require additional fees per page

Cities and Jurisdictions in Morgan County

Properties in any of these areas use Morgan County forms:

  • Danville
  • Decatur
  • Eva
  • Falkville
  • Hartselle
  • Laceys Spring
  • Somerville
  • Trinity
  • Valhermoso Springs

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Morgan County

How do I get my forms?

Forms are available for immediate download after payment. The Morgan 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 Morgan County?

Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Morgan 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 Morgan 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 Morgan County?

Recording fees in Morgan County vary. Contact the recorder's office at (256) 351-4680 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 Morgan County to use these forms. Documents should be recorded at the office below.

This Mortgage meets all recording requirements specific to Morgan County.

Our Promise

The documents you receive here will meet, or exceed, the Morgan 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 Morgan 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.

4.8 out of 5 - ( 4573 Reviews )

Rachel F.

February 18th, 2019

Easy and can add our own additional language in spaces provided. Thank you!

Reply from Staff

Thank you Rachel!

DEBBY G.

January 12th, 2023

I was so confused on how to complete the form. But I followed the instructions and used the example and got it done.

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

paula b.

July 18th, 2022

Very helpful and easy to download, thankyou.

Reply from Staff

Thank you!

Christine S.

February 27th, 2019

Very good site! I found everything I needed right here on Deeds.com. Excellent quality forms, easy access, perfect delivery, reasonable price

Reply from Staff

We appreciate your business and value your feedback. Thank you. Have a wonderful day!

Jesse K.

October 30th, 2020

Very simple to use website for remote recording of documents. I will definately use this platform for future recordings.

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Karen T.

April 22nd, 2019

Thank you for the feedback. I reviewed this with my client/friend and she is following up with the appropriate people, including the Police and a lawyer. Thank you for your help.

Reply from Staff

Thank you!

Nellouise S.

April 10th, 2019

Documents are ok but I needed to reword some of the verbiage and it cannot be edited without paying a monthly or annual membership. otherwise it is a very nice site.

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Sandra P.

July 25th, 2020

Thank so much! It' was pretty easy with the help of my Brother in-law .

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

James R.

July 4th, 2019

Easy to understand instructions. Love the examples. Info on the deeds purpose easily comprehendible. Able to Kiosk record without difficulty. Am I pleased? Oh Yeah!!!!

Reply from Staff

We appreciate your business and value your feedback. Thank you. Have a wonderful day!

Scott A.

August 3rd, 2019

The information and instructions provided is thorough and great. But, the fill-in-the-blanks form does not work well and is very frustrating. The font size of the information I was adding on each individual line varies and is determined by the number of characters entered on that individual line. So the font size is different on each line. And the number of lines is fixed making it impossible to fill in the full legal name of the trust I needed to fill out the form for. My needs are somewhat unusual, but the form should have been designed to be flexible enough to handle it. A blank paper form would have been more useful.

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Kermit S.

October 12th, 2020

Very easy to use.

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Thomas W.

June 30th, 2020

Fast, efficient, and helpful. I don't often have documents that need recording but I found Deeds.com incredibly handy. It cost me no more and probably less than if I'd gone in to do it myself. It was especially helpful during this Covid-19 stay-at-home time. It all happened within a couple of hours and I had my recorded copies in my hands.

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Scott O.

April 3rd, 2022

Very efficient and surprisingly quick.

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Jill S.

June 27th, 2023

This was highly convenient and successful.

Reply from Staff

Glad to hear we could help Jill, thanks for the kind words!!

Shannon F.

January 15th, 2019

Quality, professional forms. Good value.

Reply from Staff

We appreciate your business and value your feedback. Thank you. Have a wonderful day!