Schoharie County Mortgage and Promissory Note Form (New York)
All Schoharie 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 Schoharie County compliant document last validated/updated 6/11/2025
Mortgage Guidelines
Line by line guide explaining every blank on the form.
Included Schoharie County compliant document last validated/updated 11/6/2024
Completed Example of the Mortgage Document
Example of a properly completed form for reference.
Included Schoharie County compliant document last validated/updated 2/25/2025
Promissory Note Form
Fill in the blank Mortgage and Promissory Note form formatted to comply with all New York recording and content requirements.
Included Schoharie County compliant document last validated/updated 5/26/2025
Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Included Schoharie County compliant document last validated/updated 5/2/2025
Completed Example of the Promissory Note Document
Example of a properly completed New York Mortgage and Promissory Note document for reference.
Included Schoharie County compliant document last validated/updated 4/1/2025
Annual Accounting Statement Form
Mail to borrower for fiscal year reporting.
Included Schoharie County compliant document last validated/updated 5/22/2025
The following New York and Schoharie 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 Schoharie County. The executed documents should then be recorded in the following office:
Schoharie County Clerk - County Office Building
284 Main St, Rm 130 / PO Box 549, Schoharie, New York 12157
Hours: Mon - Fri 8:30am to 5:00pm, Wed to 7:00pm / Recording until 4:30pm (6:30 Wed)
Phone: (518) 295-8316
Local jurisdictions located in Schoharie County include:
- Carlisle
- Central Bridge
- Charlotteville
- Cobleskill
- Fultonham
- Gallupville
- Gilboa
- Howes Cave
- Jefferson
- Middleburgh
- North Blenheim
- Richmondville
- Schoharie
- Sharon Springs
- Sloansville
- Summit
- Warnerville
- West Fulton
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 Schoharie 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 Schoharie County using our eRecording service.
Are these forms guaranteed to be recordable in Schoharie County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Schoharie 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 Schoharie County that you need to transfer you would only need to order our forms once for all of your properties in Schoharie County.
What are supplemental forms?
Often when a deed is recorded, additional documents are required by New York or Schoharie 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 Schoharie 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 Schoharie 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 Schoharie 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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June 30th, 2025
Great service! Recording was smooth and swiftly performed. Deeds.com is an excellent service.rn
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Robert F.
June 30th, 2025
Breeze.... It feels silly to hire an attorney to do this for just one beneficiary. Thanks.
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Pauline C.
June 29th, 2025
Everything that was stated to be included in my order was complete. Very satisfied
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Nancy C.
January 15th, 2021
Simple and easy to download. After reading the instructions/sample pages I did still have some questions regarding the beneficiary deed for the state of MO.
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Diana C.
May 7th, 2019
Great service!!! I was feeling overwhelmed but then I found deeds! I spent about 10 mins ordering, then went to bed and by morning my deed was there!! Very efficient!
Thanks so much! So worth the little bit of dollars!
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June 18th, 2020
wonderful.
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FLORIN D.
December 3rd, 2020
Excellent service, will use in the future and will recommend to anyone that needs to record documents.
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Jerry B.
May 14th, 2023
Easy to use and fully comprehensive.
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Charles R.
December 18th, 2018
No review provided.
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Jason B.
August 8th, 2021
Deeds.com did a great job in explaining exactly what I'd need to file a deed transfer (quitclaim deed). I didn't have to order the forms piecemeal, but was able to order the whole package at once for a reasonable price. Once downloaded, their fill-in-the-blank PDF was easy to use with detailed instructions for each line item. I'd definitely use them again.
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MARILYN T.
January 8th, 2021
Deed.com was so easy to use to file my Quit Claim deed. They instructed me on how to send them my documents and it was a breeze. The cost was minimal and saved me tons of time.
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JAMES D.
November 5th, 2022
Fast and easy. Sample completed form & guidelines very useful.
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Marcus W.
May 16th, 2024
The Service was excellent the county recorder’s can sometimes cause issues and or delays because of certain filing requirements , but overall I am more than satisfied with DEEDS.com fast friendly services.
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Ena D.
May 5th, 2021
Very easy process. great customer service
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Scott A.
August 3rd, 2019
The information and instructions provided is thorough and great. But, the fill-in-the-blanks form does not work well and is very frustrating. The font size of the information I was adding on each individual line varies and is determined by the number of characters entered on that individual line. So the font size is different on each line. And the number of lines is fixed making it impossible to fill in the full legal name of the trust I needed to fill out the form for. My needs are somewhat unusual, but the form should have been designed to be flexible enough to handle it. A blank paper form would have been more useful.
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