Lauderdale County Deed of Trust and Promissory Note Form

Lauderdale County Deed of Trust Form
Fill in the blank form formatted to comply with all recording and content requirements.

Lauderdale County Deed of Trust Guidelines
Line by line guide explaining every blank on the form.

Lauderdale County Completed Example of the Deed of Trust
Example of a properly completed form for reference.

Lauderdale County Promissory Note Form
Note that is secured by the Deed of Trust.

Lauderdale County Promissory Note Guidelines
Line by line guide explaining every blank on the form.

Lauderdale County Completed Example of the Promissory Note Document
Example of a properly completed form for reference.

Lauderdale 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.

Lauderdale County Annual Accounting Statement
Mail to borrower for fiscal year reporting.
All 8 documents above included • One-time purchase • No recurring fees
Immediate Download • Secure Checkout
Additional Mississippi and Lauderdale County documents included at no extra charge:
Where to Record Your Documents
Lauderdale County Chancery Clerk
Meridian, Mississippi 39301 / 39302-1587
Hours: 8:00am-5:00pm M-F
Phone: (601) 482-9701
Recording Tips for Lauderdale County:
- Ensure all signatures are in blue or black ink
- Bring extra funds - fees can vary by document type and page count
- Both spouses typically need to sign if property is jointly owned
- Check margin requirements - usually 1-2 inches at top
- Leave recording info boxes blank - the office fills these
Cities and Jurisdictions in Lauderdale County
Properties in any of these areas use Lauderdale County forms:
- Bailey
- Collinsville
- Daleville
- Lauderdale
- Marion
- Meridian
- Toomsuba
Hours, fees, requirements, and more for Lauderdale County
How do I get my forms?
Forms are available for immediate download after payment. The Lauderdale 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 Lauderdale County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Lauderdale 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 Lauderdale 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 Lauderdale County?
Recording fees in Lauderdale County vary. Contact the recorder's office at (601) 482-9701 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 Lauderdale 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 Lauderdale County.
Our Promise
The documents you receive here will meet, or exceed, the Lauderdale 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 Lauderdale 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 - ( 4582 Reviews )
Erika M.
November 13th, 2020
Received the forms I ordered, found them to be easy to complete with the guide and example that was included. Had no issues recording them, smooth as silk from start to finish.
Thank you for your feedback. We really appreciate it. Have a great day!
Jim J.
February 8th, 2019
The forms were easy to use and the fields are tabbed so that you can enter your information and then move quickly to the next entry. The Guide for the documents was very helpful.
Thanks Jim, we appreciate your feedback.
Shane J.
December 5th, 2024
I use deeds.com for all of my document filing needs. The amount of time and money saved on making trips to the auditor's office is well worth the nominal fee that is charged. I highly recommend deeds.com!
Your feedback is greatly appreciated. Thank you for taking the time to share your experience!
Keri C.
June 10th, 2020
It was confusing at first, but the customer service was excellent and fast and I got everything taken care of right away. I'll use Deeds.com even after the recorder's office is open to the public.
Thank you for your feedback. We really appreciate it. Have a great day!
ALI T.
January 31st, 2024
It is very easy to use Deeds.Com to perform eRecording. The case staff are very professional and punctual. My eRecording package was completed within a day where it usually takes months. Thank You
We appreciate your business and value your feedback. Thank you. Have a wonderful day!
Cecil S.
November 11th, 2020
Fast service done well
We appreciate your business and value your feedback. Thank you. Have a wonderful day!
KRISSA O.
January 2nd, 2025
Smooth process, no issues.
Thank you!
Melody P.
April 29th, 2021
Thanks again for such great service!
Thank you!
MIMI T.
October 7th, 2020
Awesome great service!
Fantastic! Thanks for the feedback Mimi.
Richard T.
July 15th, 2021
Amazing service from competent individuals that really go above and beyond to get you documents processed.
Thank you!
Daniel D.
April 22nd, 2019
quick and easy
Thank you Daniel.
Shana D.
June 9th, 2022
I ordered the wrong forms because I didn't do enough research to understand what I needed. Their customer service was more understanding than I deserved.
Thank you!
Michael H.
April 8th, 2020
Very responsive and thorough. Glad to have found such a great company for our recording needs.
Thank you!
Kevin & Kim S.
August 20th, 2020
So very easy to use and we're so glad we could do everything from our home office.
We appreciate your business and value your feedback. Thank you. Have a wonderful day!
Robert H.
January 10th, 2024
Easy to use and understand. I am glad to have found this resource.
Your appreciative words mean the world to us. Thank you and we look forward to serving you again!