Ohio Mortgage Instrument and Promissory Note

County Specific Legal Forms Validated as recently as September 11, 2026 by our Forms Development Team

About the Ohio Mortgage Instrument and Promissory Note

Ohio Mortgage Instrument and Promissory Note
Select County from List

How to Use This Form

  1. Select your county from the list
  2. Download the county-specific form
  3. Fill in the required information
  4. Have the document notarized if required
  5. Record with your county recorder's office

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These forms are used for financing residential property, condominiums, rental units, small commercial, vacant land, and planned unit developments. They include special provisions and exhibit pages making them adaptable and flexible for unique situations. Ohio recognizes dower rights, which means that if a married man or woman owns an interest in real property, his or her spouse holds a 1/3 interest in the property, Review Oh. statute 2103.02. Dower rights can become problematic when it comes to mortgages. Oftentimes, banks require a release of dower if only one spouse is on the promissory note. Otherwise, if the paying spouse defaults, a spouse may be able to enforce their dower rights if the spouse is not on the deed. This mortgage can release rights of dower if applicable to the situation. These forms have stringent default terms, typical uses - lender who is financing investment property, owner financing, etc.

(Ohio Mortgage Package includes forms, guidelines, and completed examples) For use in Ohio only.

Important: County-Specific Forms

Our mortgage instrument and promissory note forms are specifically formatted for each of the 88 counties in Ohio.

After selecting your county, you'll receive forms that meet all local recording requirements, ensuring your documents will be accepted without delays or rejection fees.