Alabama Forms

Sumter County Mortgage Form

Sumter County Mortgage Form

Sumter County Mortgage Form

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

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

Sumter County Mortgage Guidelines

Line by line guide explaining every blank on the form.

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

Sumter County Completed Example of the Mortgage Document

Example of a properly completed form for reference.

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

Sumter County Promissory Note Form

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

Document Last Validated 8/12/2025
Sumter County Promissory Note Guidelines

Sumter County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 8/25/2025
Sumter County Completed Example of the Promissory Note Document

Sumter County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

Document Last Validated 8/22/2025
Sumter County Annual Accounting Statement Form

Sumter 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 Sumter County to use these forms. Documents should be recorded at the office below.

Where to Record Your Documents

Probate Office
Address:
County Courthouse Annex - 115 Marshall St / PO Box 1040
Livingston, Alabama 35470

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

Phone: (205) 652-7281

Recording Tips for Sumter County:
  • Ask if they accept credit cards - many offices are cash/check only
  • Check that your notary's commission hasn't expired
  • Recording fees may differ from what's posted online - verify current rates
  • Bring extra funds - fees can vary by document type and page count

Cities and Jurisdictions in Sumter County

Properties in any of these areas use Sumter County forms:

  • Bellamy
  • Cuba
  • Emelle
  • Epes
  • Gainesville
  • Livingston
  • Panola
  • York

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Sumter County

How do I get my forms?

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

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

Recording fees in Sumter County vary. Contact the recorder's office at (205) 652-7281 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 Sumter County to use these forms. Documents should be recorded at the office below.

This Mortgage meets all recording requirements specific to Sumter County.

Our Promise

The documents you receive here will meet, or exceed, the Sumter 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 Sumter 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 - ( 4581 Reviews )

Kathy C.

March 7th, 2022

It's worth the cost to download the fill in the blank forms. So quick and easy. The lady I spoke to on the phone was super nice and very helpful. She deserves a medal for being so patient with me.

Reply from Staff

Thank you!

Eric G.

October 22nd, 2021

Need to offer option to download ALL forms as a single (bookmarked) PDF, rather than as separates... Quite inefficient as is.

Reply from Staff

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

Michael V.

April 30th, 2020

Exactly what I needed and VERY fair price. I paid $19.97 for what a local attorney wanted $200 to do. I filled out the form using the line by line guide and filed it at the court house today. Absolutely no problems.

Reply from Staff

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

Mary L M.

November 1st, 2022

Your website was very helpful & easy to use

Reply from Staff

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

Michael R.

July 5th, 2022

Very simple to use and everything included

Reply from Staff

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

Brian B.

May 13th, 2021

Very good price. It came with instructions and a sample filled out. Very helpful.

Reply from Staff

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

Brian W.

February 1st, 2020

Easy, but it would be nice if there was an option for font size. It looks tiny, like 6 or 8.

Reply from Staff

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

Martha V.

August 30th, 2020

Great service!

Reply from Staff

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

George W.

April 2nd, 2020

The process was easy and the forms were a very complete package. FAST AND EASY DOWNLOAD

Reply from Staff

Thank you George.

Will O.

May 2nd, 2020

Saved me so much time and $!!

Reply from Staff

Thank you!

Cynthia E.

October 12th, 2024

Disappointed that you were not able to provide me with the information requested. They did issue a refund but I don’t think it’s come through yet.

Reply from Staff

We are grateful for your engagement and feedback, which help us to serve you better. Thank you for being an integral part of our community.

Sonia C.

July 11th, 2021

Ordered and received the appropriate quitclaim deed docs for my area. Recorded with no questions or issues. All arounds solid product and service.

Reply from Staff

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

Greg F.

October 14th, 2022

Sorry that this a little late. I'm VERY HAPPY with everything. The deeds paperwork was just what I was looking for. It was very to fill out, it was different than n the folks used years ago. I called the county clerk, and they were very helpful. Thank you for the paperwork it was easy to use and understand.

Reply from Staff

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

Chanda C.

June 2nd, 2020

It's going well so far!

Reply from Staff

Thank you!

Robert B.

August 14th, 2021

The forms were easy to download and fill.

Reply from Staff

Thank you!