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Mississippi Forms

Covington County Deed of Trust and Promissory Note Form

Covington County Deed of Trust Form

Covington County Deed of Trust Form

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

Document Last Validated 6/24/2025
Covington County Deed of Trust Guidelines

Covington County Deed of Trust Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 6/3/2025
Covington County Completed Example of the Deed of Trust

Covington County Completed Example of the Deed of Trust

Example of a properly completed form for reference.

Document Last Validated 6/27/2025
Covington County Promissory Note Form

Covington County Promissory Note Form

Note that is secured by the Deed of Trust.

Document Last Validated 7/17/2025
Covington County Promissory Note Guidelines

Covington County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 6/16/2025
Covington County Completed Example of the Promissory Note Document

Covington County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

Document Last Validated 4/15/2025
Covington County Subordination Clauses

Covington County Subordination Clauses

Used to place priority on claim of debt. Included are 4 clauses for unique situations. If needed, add to Deed of Trust as an addendum or rider.

Document Last Validated 6/2/2025
Covington County Annual Accounting Statement

Covington County Annual Accounting Statement

Mail to borrower for fiscal year reporting.

Document Last Validated 5/2/2025

All 8 documents above included • One-time purchase • No recurring fees

Immediate Download • Secure Checkout

Additional Mississippi and Covington County documents included at no extra charge:

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

Where to Record Your Documents

Covington County Chancery Clerk
Address:
101 South Elm Ave / PO Box 1679
Collins, Mississippi 39428

Hours: 8:00am to 4:30pm. M-F

Phone: (601) 765-6132

Recording Tips for Covington County:
  • Ask if they accept credit cards - many offices are cash/check only
  • Check that your notary's commission hasn't expired
  • Request a receipt showing your recording numbers
  • Ask about their eRecording option for future transactions
  • Verify the recording date if timing is critical for your transaction

Cities and Jurisdictions in Covington County

Properties in any of these areas use Covington County forms:

  • Collins
  • Mount Olive
  • Seminary

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Covington County

How do I get my forms?

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

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

Recording fees in Covington County vary. Contact the recorder's office at (601) 765-6132 for current fees.

Questions answered? Let's get started!

In Mississippi, a Deed of Trust (DOT) is the most commonly used instrument to secure a loan. If the DOT has a "Power of Sale" clause, foreclosure can be done non-judicially, saving time and expense, because the trustee doesn't require the court's involvement. This process is called a Trustee Sale. Explained in Mississippi 89-1-55 - "How lands sold under mortgages and Deeds in Trust"
There are three parties in this Deed of Trust:
1- The Grantor (Borrower)
2- Beneficiary (Lender) and a
3- Trustee (Neutral Third Party)
Basic Concept. The Grantor (Borrower) conveys property title to a Trustee (Neutral Party). A Trustee or beneficiary/Lender can take action against any person for damages.

(The beneficiary or holder of any deed of trust, including his agents, employees, successors, assigns, attorneys-in-fact or other legal representatives, may appoint a trustee or substitute a trustee, with or without the permission of the mortgagor or mortgagors. The trustee or substitute trustee so appointed may be a natural person, partnership, corporation, limited liability company, professional association or any other legal entity.) (MS Code 89-1-63)(3))

Debtors/Borrowers shall be in default under the provisions of this Deed of Trust if Debtor
(a) shall fail to comply with any of Debtor's covenants or obligations contained herein,
(b) shall fail to pay any of the Indebtedness secured hereby, or any installment thereof or interest thereon, as such Indebtedness, installment or interest shall be due by contractual agreement or by acceleration,
(c) shall become bankrupt or insolvent or be placed in receivership,
(d) shall, if a corporation, a partnership or an unincorporated association, be dissolved voluntarily or involuntarily, or
(e) if Secured Party in good faith deems itself insecure and its prospect of repayment seriously
impaired.

This form can be used by a party financing residential property, rental property, condominiums or small office buildings. Note: if the property being financed is rental, see (Assignment of Leases and Rents Form) it acts to induce the lender to finance.

Promissory Note secured by Deed of Trust
A Deed of Trust and Promissory Note are usually executed/signed at the same time. The Promissory Note contains the finance terms.
Details:

1. Dollar amount of Principle Owed

2. Installment payments or Balloon payment (common with owner financing, borrower can establish history of payments and equity, which banks attractive when financing)
3, Late Charges, $ owed after so many days, with $ owed for each additional day.

4. Default Rate: If Borrowers go into default an increased interest rate is charged, until note is out of default.

5. Overdue Loan Fee: In addition to any other remedies available to Lender if this Note is not paid in full at the Maturity Date, Borrowers shall pay to Lender an Overdue Loan Fee, which fee shall be due at the time this Note is otherwise paid in full. The "Overdue Loan Fee" shall be determined based upon the outstanding principal balance of this Note as of the Maturity Date and shall be:
(a) one percent (1.0%) Of such principal balance if the Note is paid in full on or after thirty (30) days after the Maturity Date but less than sixty (60) days after the Maturity Date, or
(b) two percent (2.0%) of such principal balance if the Note is paid in full on or after sixty (60) days after the Maturity Date.

The obligations of Borrower to Lender under this Note and the Additional Obligations herein remain in full force and effect until Lender has received payment in full of all obligations.
This Note and the Loan Documents are made in and shall be governed by the State of Mississippi. Upon Lender's request, the venue of any legal action in connection with this Note or the Loan Documents shall be in _________County, Mississippi.

Attorney's Fees and Costs: Borrower shall pay all costs incurred by Lender in collecting sums due under this Note after a default, including reasonable attorneys' fees, whether or not suit is brought.

This Deed of Trust and Promissory Note, has stringent default terms and is suitable to owner selling/financing or investor financing.

(Mississippi DOT Package includes forms, guidelines, and completed examples) For use in Mississippi only.

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

This Deed of Trust and Promissory Note meets all recording requirements specific to Covington County.

Our Promise

The documents you receive here will meet, or exceed, the Covington 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 Covington County Deed of Trust 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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John K.

July 11th, 2020

I was unable to finish what I started due to computer crash. I'll get back soon. I paid off my mortgage last year in November. I need to see what to do to get the deed to my property.

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July 7th, 2020

Good

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November 20th, 2023

The support received was far above expectations.

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July 1st, 2021

Great site! Got what I needed and I'm not the brightest bulb in the box when it comes to this interwebz stuff.

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Beverly L J.

August 6th, 2020

The process for receiving the quitclaim document worked well. I couldn't use the document. If I had been able to view the document before I had to pay for it, I would have known, but that isn't how your process works. However, that's the only snag I found. Otherwise the process for paying and downloading the document worked well. Thank you.

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Thank you for your feedback Beverly. We certainly do not want you to pay for something you are unable to use. To that end we have canceled your order and refunded your payment. We do hope that you find something more suitable to your needs. Have a wonderful day.

John G.

August 6th, 2019

Great on line help with the recording process!

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Scott H.

April 14th, 2021

Very helpful

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May 13th, 2025

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October 8th, 2021

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December 23rd, 2020

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July 12th, 2019

Was straight to the point... Easy to read instructions... smooth process

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Rodney K.

April 12th, 2022

I need more time to review the vast number of documents received for such a good price. Hoping your info allows me to meet with and talk intelligently with a lawyer.

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Kimberly M.

November 12th, 2019

Love Deeds.com. So easy to work with and quick as well.

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Lisa C.

October 7th, 2020

Please change on the example for the warranty deed the portion that says Source of Title: They don't use book and pages anymore They only use recording numbers. Please show an example with that for Maricopa County AZ Plus your Notary certificates should have a blank part for if it is signed in another state.

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Ira S.

June 8th, 2022

Hi, 1. I need a password to be able to copy and paste from the deed. 2. It would be more convenient if all documents could be downloaded together. Ira

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