Otsego County Mortgage and Promissory Note Form
Otsego County Mortgage Form
Fill in the blank form formatted to comply with all recording and content requirements.
Otsego County Mortgage Guidelines
Line by line guide explaining every blank on the form.
Otsego County Completed Example of the Mortgage Document
Example of a properly completed form for reference.
Otsego County Promissory Note Form
Fill in the blank Mortgage and Promissory Note form formatted to comply with all New York recording and content requirements.
Otsego County Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Otsego County Completed Example of the Promissory Note Document
Example of a properly completed New York Mortgage and Promissory Note document for reference.
Otsego County Annual Accounting Statement Form
Mail to borrower for fiscal year reporting.
All 7 documents above included • One-time purchase • No recurring fees
Immediate Download • Secure Checkout
Additional New York and Otsego County documents included at no extra charge:
Where to Record Your Documents
Otsego County Clerk
Cooperstown, New York 13326
Hours: 8:30 am - 4:30 pm / Summer: 9:00 am - 4:00pm
Phone: (607) 547-4276
Recording Tips for Otsego County:
- Check that your notary's commission hasn't expired
- Double-check legal descriptions match your existing deed
- White-out or correction fluid may cause rejection
- Documents must be on 8.5 x 11 inch white paper
- Request a receipt showing your recording numbers
Cities and Jurisdictions in Otsego County
Properties in any of these areas use Otsego County forms:
- Burlington Flats
- Cherry Valley
- Colliersville
- Cooperstown
- East Springfield
- East Worcester
- Edmeston
- Fly Creek
- Garrattsville
- Gilbertsville
- Hartwick
- Laurens
- Maryland
- Milford
- Morris
- Mount Vision
- New Lisbon
- Oneonta
- Otego
- Portlandville
- Richfield Springs
- Roseboom
- Schenevus
- Schuyler Lake
- Springfield Center
- Unadilla
- Wells Bridge
- West Burlington
- West Oneonta
- Westford
- Worcester
Hours, fees, requirements, and more for Otsego County
How do I get my forms?
Forms are available for immediate download after payment. The Otsego 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 Otsego County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Otsego 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 Otsego 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 Otsego County?
Recording fees in Otsego County vary. Contact the recorder's office at (607) 547-4276 for current fees.
Questions answered? Let's get started!
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.
Important: Your property must be located in Otsego County to use these forms. Documents should be recorded at the office below.
This Mortgage and Promissory Note meets all recording requirements specific to Otsego County.
Our Promise
The documents you receive here will meet, or exceed, the Otsego 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 Otsego 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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