Mississippi Forms

Lafayette County Deed of Trust and Promissory Note Form

Lafayette County Deed of Trust Form

Lafayette 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
Lafayette County Deed of Trust Guidelines

Lafayette County Deed of Trust Guidelines

Line by line guide explaining every blank on the form.

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

Lafayette County Completed Example of the Deed of Trust

Example of a properly completed form for reference.

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

Lafayette County Promissory Note Form

Note that is secured by the Deed of Trust.

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

Lafayette County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

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

Lafayette County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

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

Lafayette 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
Lafayette County Annual Accounting Statement

Lafayette 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

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

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

Where to Record Your Documents

Lafayette County Chancery Clerk
Address:
300 North Lamar Blvd / PO Box 1240
Oxford, Mississippi 38655

Hours: 8:00 to 5:00 M-F

Phone: (662) 234-2131

Recording Tips for Lafayette County:
  • Ensure all signatures are in blue or black ink
  • Leave recording info boxes blank - the office fills these
  • Avoid the last business day of the month when possible
  • Both spouses typically need to sign if property is jointly owned

Cities and Jurisdictions in Lafayette County

Properties in any of these areas use Lafayette County forms:

  • Abbeville
  • Oxford
  • Paris
  • Taylor
  • Toccopola
  • Tula
  • University

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Lafayette County

How do I get my forms?

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

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

Recording fees in Lafayette County vary. Contact the recorder's office at (662) 234-2131 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 Lafayette 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 Lafayette County.

Our Promise

The documents you receive here will meet, or exceed, the Lafayette 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 Lafayette 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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June 7th, 2019

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Jose F.

May 19th, 2020

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Reply from Staff

So glad we were able help Jose, have a amazing day!

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August 21st, 2020

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February 20th, 2025

Quick, Simple and a Ton of Time Saved...

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April 7th, 2020

Process is well laid out, clear and concise. Check out is easy. Recommendations: * Assign names to the downloadable files that are meaningful, such as: WARRANTY DEED instead of the useless and cryptic 1420490866F11417.pdf. * Provide a ONE BUTTON DOWNLOAD for all forms ordered. It's aggravating to have to click on each of the 20 documents and download them individually.

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February 26th, 2023

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July 6th, 2021

Documents are helpful and much appreciated. Grateful for this service when an attorney is not required.

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Lois B.

December 13th, 2018

It works pretty well, had trouble with the word December. It printed out Decedmber with weird spacing but I think it will be ok.

Reply from Staff

Thank you for the feedback. We will take a look at the date field to see if there are any issues. Have a great day!

Barbara S.

February 28th, 2019

I had an issue due to the fact that I had many beneficiaries. I was and still am not sure how to handle this. We do have Adobe Pro and can modify the form, if needed. But I would like to talk to your organization for more information.

Reply from Staff

While we are unable to assist you specifically with completing the document we can note that this is addressed in the guide. Information that does not fit in the available space should be included in an exhibit page.

James D.

April 24th, 2019

It was very easy to set up the account but then everything is very costly. I didn't see any publications that were free to account holders, so as infrequently I have to do a title search, I may as well just hire an online service to do the legwork too.

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Hal M.

September 23rd, 2022

Very good, and easy and fast to use.

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Wendy S.

January 11th, 2021

Good template that met my needs. Much better than another draft template that I found on another site. Would have been helpful if the template had been provided in a Word format instead of PDF so that I could remove the sections that are not applicable.

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Julia C.

May 18th, 2025

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Reply from Staff

Thank you, Julia, for your kind and thoughtful review. We're truly honored to have played a role in helping you and your husband secure your mineral rights — especially after such a frustrating experience elsewhere. It’s great to hear that our team and resources were able to guide you through the process with clarity and care. Your words mean a lot to us, and we hope others in similar situations find the support they need through Deeds.com, just like you did. Wishing you continued peace of mind and security with your property.

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November 25th, 2019

Was very helpful it helped me find out everything I needed for the deed.

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April 29th, 2021

I really appreciated Deeds.com. It was quick and easy to use. Saved me substantial time completing my deed recording.

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