Howard County Real Estate Mortgage and Promissory Note Form
Last validated July 28, 2026 by our Forms Development Team
Howard County Real Estate Mortgage Form
Fill in the blank form formatted to comply with all recording and content requirements.
Howard County Real Estate Mortgage Guidelines
Line by line guide explaining every blank on the form.
Howard County Completed Example of a Real Estate Mortgage Document
Example of a properly completed form for reference.
Howard County Promissory Note Form
Note that is secured by the Mortgage document.
Howard County Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Howard County Completed Example of the Promissory Note Document
Example of a properly completed form for reference.
Howard County Annual Accounting Statement Form
Issue to borrower(s) for fiscal year reporting.
Howard County Residential Property Disclosure Statement Form
Required with residential property.
All 8 documents above included • One-time purchase • No recurring fees
Immediate Download • Secure Checkout
Additional Iowa and Howard County documents included at no extra charge:
Where to Record Your Documents
Howard County Recorder
Cresco, Iowa 52136
Hours: 8:00am to 4:30pm.Monday through Friday
Phone: 563-547-9210
Recording Tips for Howard County:
- White-out or correction fluid may cause rejection
- Documents must be on 8.5 x 11 inch white paper
- Both spouses typically need to sign if property is jointly owned
- Recording fees may differ from what's posted online - verify current rates
Cities and Jurisdictions in Howard County
Properties in any of these areas use Howard County forms:
- Chester
- Cresco
- Elma
- Lime Springs
- Protivin
- Riceville
Hours, fees, requirements, and more for Howard County
How do I get my forms?
Forms are available for immediate download after payment. The Howard 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 Howard County?
Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Howard County, including margin requirements, font requirements, and other layout standards. This guarantee applies to formatting, not to the legal sufficiency of information entered by the user or the suitability of a form for a particular transaction.
Can I reuse these forms?
Yes. You can reuse the forms for your personal use. For example, if you have multiple properties in Howard 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 Howard County?
Recording fees in Howard County vary. Contact the recorder's office at 563-547-9210 for current fees.
Questions answered? Let's get started!
Use these forms to finance real property - vacant land, residential, condominiums, small commercial, rental and planned unit developments. This mortgage has the option of being used as a purchase money mortgage defined by Iowa Code 654.12b (shall have priority over and is senior to preexisting judgments against the purchaser and any other right, title, interest, or lien arising either directly or indirectly by, through, or under the purchaser.) (IC654.12b(1))
[A mortgage is a purchase money mortgage to the extent it is either:
a. Taken or retained by the seller of the real estate to secure all or part of its price, including all costs in connection with the purchase.
b. Taken by a lender who, by making an advance or incurring an obligation, provides funds to enable the purchaser to acquire rights in the real estate, including all costs in connection with the purchase, if the funds are in fact so used. Except when it is a refinancing of an existing purchase money mortgage between the same lender and purchaser and no new funds are advanced, a mortgage given to secure funds which are used to pay off another mortgage is not a purchase money mortgage.
2. If more than one purchase money mortgage exists, the first mortgage to be recorded has priority. In order to be entitled to the rights provided by this section, the mortgage must contain a recital that it is a purchase money mortgage. However, failure to include the recital in the mortgage shall not prevent a mortgage otherwise qualifying as a purchase money mortgage from being a purchase money mortgage for purposes other than this section. The rights in this section are in addition to, and the obligations are not in derogation of, all rights provided by common law.] [Iowa Code 654.12B]
A mortgage and promissory note that include stringent default terms and conditions can be beneficial to the lender.
(Iowa Mortgage Package includes forms, guidelines, and completed examples) For use in Iowa only.
Important: Your property must be located in Howard County to use these forms. Documents should be recorded at the office below.
This Real Estate Mortgage and Promissory Note meets all recording requirements specific to Howard County.
Our Promise
The documents you receive here are guaranteed to meet or exceed the applicable Howard County recording format requirements. If there is a rejection caused by our formatting, we will correct the issue or refund your payment. This guarantee applies to document formatting only and does not extend to information entered by the user, the selection of the form, or the legal effect of the completed document.
Save Time and Money
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November 24th, 2021
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May 9th, 2023
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December 16th, 2021
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May 6th, 2020
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August 22nd, 2019
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February 23rd, 2019
My legal description exceeds the avaiable space in the one page Exhibit A...any way to add a second page as 'Exhibit A (continued)'?
It is not required to use the included exhibit page. Simply label your printed legal description as the appropriate exhibit.
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January 24th, 2020
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June 15th, 2021
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December 20th, 2019
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February 7th, 2019
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May 8th, 2020
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August 26th, 2021
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January 21st, 2019
Order Process: 5 Stars - very easy Material Received: 2 Stars Issues: 1. Printing- Document would not print in format displayed. Format would continually shrink to approx 2/3 size thus not useable for formal doc submission to County Records office. 2. Document Format- Data insertion fields (addresses) were not of correct size for data input. I needed a 4 line input space but was limited to only 3 lines. Also, Date field (year) was mis-oriented in-so-much that the 3rd digit (inputted) overlapped on 2nd digit (pre-printed) and also was of noticeably different font. 3. Useability- Hand-written input space provided (for Notary) was deficient in space and spacing. It was a challenge to utilize the space available to complete fully and maintain legibility. Overall - the document worked marginally as advertised, I did need to re-write the entire document myself. It is a good concept but I'd recommend that Deeds company improve the downloaded forms for actual useability, readability, functionability. regards, Jim S
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