Garfield County Mortgage and Promissory Note Form (Oklahoma)
All Garfield 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 Garfield County compliant document last validated/updated 4/23/2025
Mortgage Guidelines

Line by line guide explaining every blank on the form.
Included Garfield County compliant document last validated/updated 5/19/2025
Completed Example of the Mortgage Document

Example of a properly completed form for reference.
Included Garfield County compliant document last validated/updated 1/1/2025
Promissory Note Form

Note that is secured by the Mortgage. Can be used for traditional installments or balloon payment.
Included Garfield County compliant document last validated/updated 6/3/2025
Promissory Note Guidelines

Line by line guide explaining every blank on the form.
Included Garfield County compliant document last validated/updated 6/16/2025
Completed Example of the Promissory Note Document

Example of a properly completed form for reference.
Included Garfield County compliant document last validated/updated 7/2/2025
Mortgage Affidavit Form

Mortgage Tax Affidavit
Included Garfield County compliant document last validated/updated 6/5/2025
Mortgage Affidavit Information

Information explaining exemptions, how and where to pay mortgage tax.
Included Garfield County compliant document last validated/updated 5/28/2025
Annual Accounting Statement Form

Mail to borrower for fiscal year reporting.
Included Garfield County compliant document last validated/updated 5/26/2025
The following Oklahoma and Garfield 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 Garfield County. The executed documents should then be recorded in the following office:
Garfield County Clerk
114 W Broadway Ave / PO Box 1664, Enid, Oklahoma 73702
Hours: 8:00 to 4:30 Monday through Friday
Phone: (580) 237-0225 or 237-0226 (Deeds Dept)
Local jurisdictions located in Garfield County include:
- Bison
- Carrier
- Covington
- Douglas
- Drummond
- Enid
- Fairmont
- Garber
- Hillsdale
- Hunter
- Kremlin
- Lahoma
- Waukomis
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 Garfield 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 Garfield County using our eRecording service.
Are these forms guaranteed to be recordable in Garfield County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Garfield 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 Garfield County that you need to transfer you would only need to order our forms once for all of your properties in Garfield County.
What are supplemental forms?
Often when a deed is recorded, additional documents are required by Oklahoma or Garfield 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 Garfield 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.
Mortgages are liens against property when the property owner borrows money from a lending institution or individual. This form can be used for residential, rentals, small commercial, vacant land and planned unit developments. This form contains a power of sale clause which allows for a non-judicial foreclosure in the event of default.
(2. with respect to any mortgage in which a power of sale is granted: a. the mortgage shall state in bold and underlined language, substantially the following:
"A power of sale has been granted in this mortgage. A power of sale may allow the mortgagee to take the mortgaged property and sell it without going to court in a foreclosure action upon default by the mortgagor under this mortgage,") ( 46 OK Stat 46-43) Many lenders prefer a mortgage with power of sale, it can save time and expense if a foreclosure occurs.
Secured by the mortgage is a promissory note (promise to pay) form. The obligations of Borrower to Lender under this Note and the Additional Obligations heroin remain in full force and effect until Lender has received payment in full of all obligations. The note establishes, interest rates, default rates, late payments, balloon payments, maturity, etc. along with default terms and conditions. The form is County specific and the provisions thereof and all rights and obligations of the parties shall be governed by and construed in accordance with the internal laws of the State of Oklahoma.
A mortgage and promissory note that include power of sale and stringent default terms can be beneficial to the lender.
With a few exceptions mortgage tax is due before a mortgage is recorded.
(A. The following taxes are hereby levied on real estate mortgages:
1. A tax of ten cents ($0.10) for each One Hundred Dollars ($100.00) and each remaining fraction thereof where such mortgage is for five (5) years or more;
2. A tax of eight cents ($0.08) for each One Hundred Dollars ($100.00) for each mortgage where such mortgage is for four (4) years or more but less than five (5) years;
3. A tax of six cents ($0.06) for each One Hundred Dollars ($100.00) where such mortgage is for three (3) years or more but less than four (4) years;
4. A tax of four cents ($0.04) for each One Hundred Dollars ($100.00) where such mortgage is for two (2) years or more but less than three (3) years; and
5. A tax of two cents ($0.02) for each One Hundred Dollars ($100.00) where such mortgage is for less than two (2) years.
If the principal debt or obligation secured by the mortgage is less than One Hundred Dollars ($100.00), a tax of ten cents ($0.10) shall be levied on such mortgage and shall be collected and paid as provided for in this article.
B. In addition to the taxes levied pursuant to the provisions of subsection A of this section, the county treasurer shall collect a fee of Five Dollars ($5.00) on each mortgage presented to the county treasurer for certification. The fees collected pursuant to the provisions of this subsection shall be deposited into a cash account to be known as the "County Treasurer's Mortgage Certification Fee Account". Monies from the account shall be expended by the county treasurer in the lawful operation of the treasurer's office.
C. The tax provided for in subsection A of this section may be paid by the mortgagor, the mortgagee or any other interested party.) (68 OK Stat 68-1904)
Included are a mortgage tax information affidavit form and guidelines sheet, providing pertinent information on how to file.
(Oklahoma Mortgage Package includes forms, guidelines, and completed examples) For use in Oklahoma only.
Our Promise
The documents you receive here will meet, or exceed, the Garfield 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 Garfield 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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MARY LACEY M.
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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Pouya N.
November 6th, 2020
THEY ARE AWSOME. MAKE IT REALLY EASY AND EFFICIENT TO WORK.
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Angela D.
August 19th, 2020
The only problem I had was that it doesn't let you create a file for all documents to go into as one.
Mahalo
Angie
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Giustino C.
May 27th, 2020
I am pleased with this electronic service in making a time sensitive deed transfer since very few options exist currently with the Covid 19 Crisis. This was the only rapid and available option to record the deed transfer and the fee was reasonable. I was able to upload my notarized and executed document and had a record number as well as the official document within 24 hours. It was simple and easy to use. Thank you deeds.com!!
Thank you Giustino, glad we could help.
Carol O.
April 3rd, 2023
Easy process as I had an example of my other property deeds to work from plus my most current Real Estate Tax forms.
We appreciate your business and value your feedback. Thank you. Have a wonderful day!
Susan K.
February 16th, 2019
Very helpful; information included on the form explanations about Colorado laws in regards to beneficiary deeds helped us understand the issues involved.
Thank you for your feedback. We really appreciate it. Have a great day!
Alison B.
March 17th, 2021
The Deed of trust form was fine but the promissory note was less user friendly since I needed to change a few things that were fixed in the template. I ended up using white-out after I got no response when I emailed the help site that was provided in one of your emails, so it looks a little odd but should be usable
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Deborah D.
June 1st, 2023
What I thought was gonna be a long drawn out tedious process was literally 10min tops... The help was quick and a load off. Thanks y'all.
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Dennis H.
June 26th, 2019
Thank you for this program.
It will help in the future.
Dennis Holt
Thank you!
Guy G.
March 22nd, 2023
Deeds.com was easy to use and their easement deed was exactly what I was looking for. I knew I didn't need to spend hundreds of dollars talking to an attorney.
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sean m.
April 28th, 2021
Wow everything I need in one place... what a concept. thanks Deeds.com for the deeds, the guides and the transfer certificate all included for a great price
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Scott S.
November 20th, 2020
This is the best resource I have found for documents related to beneficiary deeds!
Thank you!
Tim T.
June 8th, 2023
Very easy to find forms and good examples for filling out forms!
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