Cortland County Mortgage and Promissory Note Form (New York)
All Cortland County specific forms and documents listed below are included in your immediate download package:
Mortgage Form
Fill in the blank form formatted to comply with all recording and content requirements.
Included Cortland County compliant document last validated/updated 7/14/2025
Mortgage Guidelines
Line by line guide explaining every blank on the form.
Included Cortland County compliant document last validated/updated 11/6/2024
Completed Example of the Mortgage Document
Example of a properly completed form for reference.
Included Cortland County compliant document last validated/updated 7/7/2025
Promissory Note Form
Fill in the blank Mortgage and Promissory Note form formatted to comply with all New York recording and content requirements.
Included Cortland County compliant document last validated/updated 5/26/2025
Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Included Cortland County compliant document last validated/updated 7/25/2025
Completed Example of the Promissory Note Document
Example of a properly completed New York Mortgage and Promissory Note document for reference.
Included Cortland County compliant document last validated/updated 7/17/2025
Annual Accounting Statement Form
Mail to borrower for fiscal year reporting.
Included Cortland County compliant document last validated/updated 5/22/2025
The following New York and Cortland County supplemental forms are included as a courtesy with your order:
When using these Mortgage and Promissory Note forms, the subject real estate must be physically located in Cortland County. The executed documents should then be recorded in the following office:
Cortland County Clerk
46 Greenbush St, Suite 105, Cortland, New York 13045
Hours: 8:30 to 4:30 Monday through Friday
Phone: (607) 753-5021
Local jurisdictions located in Cortland County include:
- Blodgett Mills
- Cincinnatus
- Cortland
- East Homer
- Harford
- Homer
- Little York
- Marathon
- Mc Graw
- Preble
- Truxton
- Willet
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 Cortland 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 Cortland County using our eRecording service.
Are these forms guaranteed to be recordable in Cortland County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Cortland County including margin requirements, content requirements, font and font size requirements.
Can the 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 Cortland County that you need to transfer you would only need to order our forms once for all of your properties in Cortland County.
What are supplemental forms?
Often when a deed is recorded, additional documents are required by New York or Cortland 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 Cortland County 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.
A mortgage is a conveyance of title to property that is given as security for a loan until the grantor (borrower) repays the lender according to terms defined in an attached promissory note. It contains a lien against the security property that ends when the debt is repaid.
Use this form for financing real property- residential, rental units, condominiums, vacant land, small commercial and planned unit developments.
Mortgage covenants
Transfer of Rights in the Property. The Mortgagor hereby mortgages to the Mortgagee the Property described in this Mortgage. Mortgagor can lose the Property for failure to keep the promises in this Mortgage.
Applicable Law. Mortgagee shall have all the rights set forth in Section 254 of the New York Real Property Law in addition to Mortgagee's rights set forth in this Mortgage, even if the rights are different from each other.
Non-Judicial Foreclosure. Mortgagee shall have the power of sale under Article 14 of the Real Property Actions and Proceedings Law, as it may be amended from time to time, and under any successor statute or statute of similar impo1t and effect which may subsequently be enacted providing for non-judicial sale of the Property, subject to the requirements and restrictions applicable to such statutory process.
Promissory Note
A promissory note is a negotiable instrument that contains an unconditional written promise, signed by the borrower, to repay the lender or its designated agent. The promissory note also defines the amount and specific terms of the loan between borrower (maker) and lender (payee/holder).
The promissory note is not recorded on its own. Instead, it is presented for recording along with its related deed of trust or mortgage.
A mortgage that includes a power of sale clause and a promissory note that includes stringent default terms can be beneficial to the lender
(New York Mortgage Package includes forms, guidelines, and completed examples) For use in New York only.
Our Promise
The documents you receive here will meet, or exceed, the Cortland 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 Cortland County 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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November 9th, 2023
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