Howard County Real Estate Mortgage and Promissory Note Form (Iowa)
All Howard County specific forms and documents listed below are included in your immediate download package:
Real Estate Mortgage Form
Fill in the blank form formatted to comply with all recording and content requirements.
Included Howard County compliant document last validated/updated 6/30/2025
Real Estate Mortgage Guidelines
Line by line guide explaining every blank on the form.
Included Howard County compliant document last validated/updated 6/17/2025
Completed Example of a Real Estate Mortgage Document
Example of a properly completed form for reference.
Included Howard County compliant document last validated/updated 6/16/2025
Promissory Note Form
Note that is secured by the Mortgage document.
Included Howard County compliant document last validated/updated 6/16/2025
Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Included Howard County compliant document last validated/updated 4/4/2025
Completed Example of the Promissory Note Document
Example of a properly completed form for reference.
Included Howard County compliant document last validated/updated 6/2/2025
Annual Accounting Statement Form
Issue to borrower(s) for fiscal year reporting.
Included Howard County compliant document last validated/updated 4/2/2025
Residential Property Disclosure Statement Form
Required with residential property.
Included Howard County compliant document last validated/updated 5/20/2025
The following Iowa and Howard County supplemental forms are included as a courtesy with your order:
When using these Real Estate Mortgage and Promissory Note forms, the subject real estate must be physically located in Howard County. The executed documents should then be recorded in the following office:
Howard County Recorder
Howard County Courthouse 137 N. Elm ST., Cresco, Iowa 52136
Hours: 8:00am to 4:30pm.Monday through Friday
Phone: 563-547-9210
Local jurisdictions located in Howard County include:
- Chester
- Cresco
- Elma
- Lime Springs
- Protivin
- Riceville
How long does it take to get my forms?
Forms are available immediately after submitting payment.
How do I get my forms, are they emailed?
Immediately after you submit payment, the Howard 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 provided to you. If you encounter any issues accessing your forms, please reach out to our support team for assistance. Forms are NOT emailed to you.
What does "validated/updated" mean?
This indicates the most recent date when at least one of the following occurred:
- Updated: The document was updated or changed to remain compliant.
- Validated: The document was examined by an attorney or staff, or it was successfully recorded in Howard County using our eRecording service.
Are these forms guaranteed to be recordable in Howard County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Howard County including margin requirements, content requirements, font and font size requirements.
Can the Real Estate Mortgage and Promissory Note 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 Howard County that you need to transfer you would only need to order our forms once for all of your properties in Howard County.
What are supplemental forms?
Often when a deed is recorded, additional documents are required by Iowa or Howard 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.
What type of files are the forms?
All of our Howard County Real Estate Mortgage and Promissory Note 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.
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.
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.
Are there any recurring fees involved?
No. Nothing to cancel, no memberships, no recurring fees.
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.
Our Promise
The documents you receive here will meet, or exceed, the Howard 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 Howard County Real Estate Mortgage and Promissory Note 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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JAMES D.
July 10th, 2025
Slick as can be and so convenient.rnrnWorked like a charm
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MARY LACEY M.
June 30th, 2025
Great service! Recording was smooth and swiftly performed. Deeds.com is an excellent service.rn
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Robert F.
June 30th, 2025
Breeze.... It feels silly to hire an attorney to do this for just one beneficiary. Thanks.
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Russell L.
November 9th, 2021
Your Personal Representative's Deed and example for the state of PA were extremely helpful. Exactly what I needed! Two feedback comments: 1. Valuation Factors/Short List in my download is an outdated table dated July 2020. The PA Dept of Revenue website has a more current table dated June 2021. (Maybe same for Valuation Factors/Long List, which I didn't use.) 2. Notarization section on deed page 3 has a gender-related input needed, which confused the Notary Public representative where I live in the state of CO. Notary input the word she to apply to my wife, but wasn't clear to him if the gender input applied to the Grantor or the Notary. He assumed Grantor. Also in our non-binary world, some might find that wording offensive. Thanks again for your documents. Russ Lewis
Thank you!
Michael C.
January 4th, 2023
Overall positive experience; especially liked immediate access to downloaded documents and instructions. My only concern was lack of adequate space in portions of your beneficiary deed blank form which then required me to use 3 exhibits to complete all necessary documents for the county recorders office. Assuming they accept them I will call this a strong win. Thanks.
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John F.
May 30th, 2019
Excellent service, very reliable.
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milton m.
August 27th, 2021
good product easy to use, as advertised
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Beverly H.
February 13th, 2019
Thanks!!
Thank you!
Rebecca C.
January 26th, 2021
Great service ! Hawaii is not a "forms state" so unfortunately the public has no way to get templates on our local gov site but deeds.com to the rescue. The template was affordable and easy to use and successfully recorded. Great to use when you don't need to involve title or attorneys for simple deed changes, thank you
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Valerie R.
October 7th, 2020
My expereince with Deeds.com was easy and efficent. Great way to efile documents during these trying times.
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Lindsey W.
March 7th, 2019
The service was great but after I did all my work and uploaded the documents they canceled my stuff because the county they had on the list doesnt take/or have set up e-recording yet. It was a bit disappointing because thats the only reason I was on here is because it brought me here from that countys sight.
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Kevin B.
May 28th, 2023
Easy to use and very helpful
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Wayne S.
March 12th, 2025
The website is quick and easy to navigate and the downloading of forms is a simple process.
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Elizabeth H.
December 17th, 2020
You had just what I was looking for. It was explained well and easy to find. Will recommend you.
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Susan C.
January 16th, 2019
Hi
When and how will I get the copy of my deed ?
Thanks
Thanks for reaching out. Looks like the document you ordered has been available for you to download from your account since January 15, 2019 at 11:46 am.