Mississippi Forms

Holmes County Deed of Trust and Promissory Note Form

Holmes County Deed of Trust Form

Holmes 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
Holmes County Deed of Trust Guidelines

Holmes County Deed of Trust Guidelines

Line by line guide explaining every blank on the form.

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

Holmes County Completed Example of the Deed of Trust

Example of a properly completed form for reference.

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

Holmes County Promissory Note Form

Note that is secured by the Deed of Trust.

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

Holmes County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

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

Holmes County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

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

Holmes 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 8/11/2025
Holmes County Annual Accounting Statement

Holmes 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 Holmes County documents included at no extra charge:

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

Where to Record Your Documents

Holmes County Chancery Clerk
Address:
2 Lexington Rd / PO Box 1211
Lexington, Mississippi 39095

Hours: 8:00am to 4:30pm.

Phone: (662) 834-2508

Recording Tips for Holmes County:
  • Documents must be on 8.5 x 11 inch white paper
  • Leave recording info boxes blank - the office fills these
  • Request a receipt showing your recording numbers

Cities and Jurisdictions in Holmes County

Properties in any of these areas use Holmes County forms:

  • Cruger
  • Durant
  • Goodman
  • Lexington
  • Pickens
  • Tchula
  • West

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Holmes County

How do I get my forms?

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

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

Recording fees in Holmes County vary. Contact the recorder's office at (662) 834-2508 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 Holmes 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 Holmes County.

Our Promise

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

4.8 out of 5 - ( 4580 Reviews )

Kimberly S.

April 21st, 2022

I wasted a lot of my time because I didn't do any research to know what I needed. Nobody fault but mine.

Reply from Staff

Thank you!

ANGELA S.

February 13th, 2020

My E-deed was not excepted by the county, so I had to snail mail the documents to the recorders office. Will probably not use this site again, as it did not fulfill my purpose, but would recommend to those who do not have complicated forms.

Reply from Staff

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Ralph B.

November 25th, 2023

My needs were met quickly and efficiently with very little wait. Deeds.com made it easy to understand and use their program and I couldn't be more happy with the results!

Reply from Staff

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Rachel F.

February 18th, 2019

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

Reply from Staff

Thank you Rachel!

Rick R.

February 5th, 2021

So far excellent service - I made a boo boo on the deed - no problem they made the change before they sent it off to be recorded. I will never drive to the Recorder's office again.

Reply from Staff

Thank you!

Kerry H.

January 31st, 2019

Good experience - Just what I needed

Reply from Staff

Thank you Kerry, have an awesome day!

Iryna D.

March 31st, 2020

Exelent work!

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Barbara C.

September 5th, 2021

I have used these forms now at least 3 times in order to sell the same parcel of land. The forms are great and I'm happy that I could use them more than once. To no fault of Deeds.com I used them many times to sell the same land. First the man died that was buying, before it got recorded. Then his wife was going to finish it, but then decided it should be sold to another party who was a friend of hers.

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Lloyd T.

September 13th, 2023

Example deed given did not apply to married couples as joint owners with both being grantors. The example and directions also did not show how to write more than one grantee as equal grantees. Both would have been helpful when husband and wife are granting their property to their children equally. Also when attaching the exhibit A with the property description the example did not say "see exhibit A"in the property description area, so I didn't write that. Luckily the recorder of deeds allowed me to write it in. I think directions and examples for multiple scenarios would be helpful.

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Kathryn S.

September 16th, 2024

So quick. So easy. Worth every penny!

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Margaret M.

August 9th, 2022

Quick and easy, but the 2MB file limit ended up causing some big headaches. Had I known the limit could be easily increased, it would have saved me a lot of time and trouble.

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Cyndi H.

December 9th, 2020

Excellent! Great communication through the process and quick response.

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Mary-Ann K.

November 23rd, 2021

Very pleasantly pleased so far. Hope to hear from the town registrar Transfer On Death Deed accepted. Wish all legal proceedings were so simple . . .

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Eddy O.

August 20th, 2022

Your site was very helpful.

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Rhonda L.

May 27th, 2020

This was one of the most simple but efficient process. Walked me thru every step. Total process was less than 2 weeks.

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