Bennington County Mortgage Deed (Sole Owner with Homestead Joinder) Form
Last validated September 18, 2026 by our Forms Development TeamFormatted for recording in Bennington County, for property anywhere in the county: rural and unincorporated areas as well as Arlington, Bennington, Bondville, Dorset, East Arlington, East Dorset, Manchester, Manchester Center and 9 more.
- 3 documents included
- Immediate PDF download
- Formatting guarantee
Bennington County Mortgage Deed (Sole Owner with Homestead Joinder) Form
Fill in the blank Mortgage Deed (Sole Owner with Homestead Joinder) form formatted to comply with all Vermont recording and content requirements.
Bennington County Mortgage Deed (Sole Owner with Homestead Joinder) Guide
Line by line guide explaining every blank on the Mortgage Deed (Sole Owner with Homestead Joinder) form.
Bennington County Completed Example of the Mortgage Deed (Sole Owner with Homestead Joinder) Document
Example of a properly completed Vermont Mortgage Deed (Sole Owner with Homestead Joinder) document for reference.
All 3 documents above included • One-time purchase • No recurring fees
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Additional Vermont and Bennington County documents included at no extra charge:
Where to Record Your Documents
Town of Arlington Town Clerk
Arlington, Vermont 05250
Hours: Monday – Friday 9 AM to 2 PM and by appt
Phone: (802) 375-2332
Town of Bennington Town Clerk
Bennington, Vermont 05201
Hours: Monday - Friday 8AM - 5PM
Phone: (802) 442-1043
Town of Dorset Town Clerk
East Dorset, Vermont 05253
Hours: 8:00 to 4:00 M-F or by appt
Phone: (802) 362-1178 Ext 2
Bennington County Clerk (for Glastenbury)
Bennington, Vermont 05262
Hours: M-F 8:00 am - 4:30 pm
Phone: (802) 447-2700
Town of Landgrove Town Clerk
Londonderry, Vermont 05148
Hours: Thurs 9am to 1pm or by appt
Phone: (802) 824-3716
Town of Manchester Town Clerk
Manchester Center, Vermont 05255
Hours: Mon-Fri 8:00 to 4:30
Phone: (802) 362-1313 x1
Town of Peru Town Clerk
Peru, Vermont 05152
Hours: Tues, Thurs 8:30am - 4:00pm
Phone: (802) 824-3065
Town of Pownal Town Clerk
Pownal, Vermont 05261
Hours: M, T, Th, F 9:30 to 4:00; Wed 9:30 to 2:00
Phone: (802) 823-7757
Town of Readsboro Town Clerk
Readsboro, Vermont 05350
Hours: M,T,Th,F 8:00 to 3:30; Wed 4:30 to 8:30
Phone: (802) 423-5405
Town of Rupert Town Clerk
West Rupert, Vermont 05776
Hours: Mon 11:00 to 7:00; Tue, Wed 12:00 to 5:00; Thu 8:30 to 3:30
Phone: (802) 394-7728
Town of Sandgate Town Clerk
Sandgate, Vermont 05250
Hours: Mon, Wed 9:30 to 12:30; Tue 9:30 to 11:30; Thu, Fri 9:30 to 12:30
Phone: (802) 375-9075
Town of Searsburg Town Clerk
Wilmington, Vermont 05363
Hours: Mon 8:00 to 4:00; Tue, Fri 8:00 to noon
Phone: (802) 464-8081
Town of Shaftsbury Town Clerk
Shaftsbury, Vermont 05262
Hours: Mon 9:00 to 4:30; Tue - Fri 9:00 to 3:00
Phone: (802) 442-4038
Town of Stamford Town Clerk
Stamford, Vermont 05352
Hours: Tue, Wed 11:00 to 3:00; Thu 11:00 to 3:00 & 7:00 to 9:00; Fri 9:00 to 1:00
Phone: (802) 694-1361
Town of Sunderland Town Clerk
Sunderland, Vermont 05252 / 05250
Hours: Mon - Thu 8:00 to 2:00
Phone: (802) 375-6106
Town of Whitingham Town Clerk
Jacksonville, Vermont 05342
Hours: M-F 9 to 2; W 5 to 7; Sat 9 to 12
Phone: (802) 368-7887
Town of Winhall Town Clerk
Bondville, Vermont 05340
Hours: Mon - Thu 7:00 to 1:00 or by appt
Phone: (802) 297-2122
Town of Woodford Town Clerk
Woodford, Vermont 05201
Hours: Call for hours or appt
Phone: (802) 442-4895
Recording Tips for Bennington County:
- Bring your driver's license or state-issued photo ID
- Ensure all signatures are in blue or black ink
- Ask if they accept credit cards - many offices are cash/check only
- Check that your notary's commission hasn't expired
- Documents must be on 8.5 x 11 inch white paper
Cities and Jurisdictions in Bennington County
Properties in any of these areas use Bennington County forms:
- Arlington
- Bennington
- Bondville
- Dorset
- East Arlington
- East Dorset
- Manchester
- Manchester Center
- North Bennington
- North Pownal
- Peru
- Pownal
- Readsboro
- Rupert
- Shaftsbury
- Stamford
- West Rupert
Hours, fees, requirements, and more for Bennington County
How do I get my forms?
Forms are available for immediate download after payment. The Bennington 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 Bennington County?
Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Bennington County, including margin requirements, font requirements, and other layout standards. This guarantee applies to formatting, not to the legal sufficiency of information entered by the user or the suitability of a form for a particular transaction.
Can I reuse these forms?
Yes. You can reuse the forms for your personal use. For example, if you have multiple properties in Bennington 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. The free Adobe Acrobat Reader is recommended, and most PDF apps also work. 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 Bennington County?
Recording fees in Bennington County vary. Contact the recorder's office at (802) 375-2332 for current fees.
Questions answered? Let's get started!
A Vermont mortgage deed signed by a married homeowner often carries a second signature from someone who neither owns the property nor owes a dollar of the debt. This form prepares a Vermont mortgage deed for one record owner who is married: the owner signs as mortgagor, and the owner's spouse signs as a joining spouse whose signature binds the homestead interest under 27 V.S.A. section 141.
Why the Spouse Signs a One-Owner Mortgage
Vermont's homestead statute, 27 V.S.A. section 101, shields up to $125,000 of the home place from most creditor claims, and 27 V.S.A. section 141 protects that interest at the signing table: a homestead, or an interest in one, shall not be conveyed by a married owner unless the spouse joins in the execution and acknowledgment of the conveyance, and the statute reaches a mortgage just as it reaches a sale. A mortgage signed without the joinder is inoperative as to the homestead, which leaves the lender's security incomplete on exactly the property the loan was measured against.
The statute carves out one mortgage from the rule: purchase money given at the time of purchase. A closing table mortgage that finances the acquisition binds the homestead without the spouse's signature. The mortgage this form prepares is the other kind, given by an owner already in title: a private or family loan secured against the home, seller financing arranged after the purchase, or a home improvement loan. The form recites exactly one record owner plus a joining spouse. Property held by two spouses as tenants by the entirety presents a different pattern, with both spouses conveying as mortgagors, and an unmarried sole owner mortgages without any joinder.
A Conveyance With a Condition
Vermont is a title theory state, so the granting clause conveys the property to the mortgagee as security, with covenants that the mortgagor is the sole owner, lawfully seised in fee simple, and holding free from encumbrances except those the form states. The condition follows: when the secured obligation is paid and performed, the mortgage deed is void. The debt itself lives in a promissory note, described in the mortgage by principal amount, note date, and maturity date; the note is a separate instrument, prepared separately and not included in this package, and it stays out of the public records.
The joinder clause states its own limits: the joining spouse signs to bind homestead rights under 27 V.S.A. sections 141 and 349 and undertakes no personal liability for the secured obligation. The form carries a separate acknowledgment certificate for each signer, so the mortgagor and the joining spouse may acknowledge on different dates, before different notaries, even in different states.
Recording in the Town Land Records
Vermont records land instruments by municipality, not by county. The completed mortgage deed goes to the clerk of the town or city where the land lies, at the statewide fee of $15.00 per page under 32 V.S.A. section 1671. A mortgage deed given to secure a debt sits outside the property transfer tax return category, so no Form PTT-172 accompanies it, a contrast with deeds that transfer title. Recording is what makes the mortgage effectual against anyone beyond the mortgagor and the mortgagor's heirs under 27 V.S.A. section 342, and it fixes the mortgage's priority against later recorded interests. The printed name lines under both signatures track 32 V.S.A. section 1405, which permits the clerk to look for typed, stamped, or printed names under signatures, with a $2.00 additional fee for an instrument that arrives without them. At payoff, discharge is its own recorded event, with 27 V.S.A. section 464 giving the mortgagee 30 days after full performance to execute and deliver it.
What the Package Prepares
The package contains the fillable mortgage deed form, a completed example showing the document filled in for a Waterbury, Washington County fact pattern, and a plain language guide that walks through every numbered section, the two-signer notarization, and the town recording process. The materials describe Vermont law in general terms and are not legal advice; a Vermont attorney can apply these statutes to a particular title or loan.
Important: Your property must be located in Bennington County to use these forms. Documents should be recorded at the county recording office listed above.
This Mortgage Deed (Sole Owner with Homestead Joinder) meets all recording requirements specific to Bennington County.
Our Promise
The documents you receive here are guaranteed to meet or exceed the applicable Bennington County recording format requirements. If there is a rejection caused by our formatting, we will correct the issue or refund your payment. This guarantee applies to document formatting only and does not extend to information entered by the user, the selection of the form, or the legal effect of the completed document.
Save Time and Money
Get your Bennington County Mortgage Deed (Sole Owner with Homestead Joinder) 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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Ena D. 5 out of 5 stars
Very easy process. great customer service
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Jane E. 5 out of 5 stars
The form was incompatible with my son's new computer. I do not have a printer. We did use your form to type a copy into "word" so he could print it.
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A. S. 3 out of 5 stars
First, I am glad that you gave a blank copy, an example copy, and a 'guide'. It made it much easier to do. Overall I was very happy with your products and organization... however, things got pretty confusing and I have a pretty 'serious' law background in Real Estate and Civil law. With that said, I spent about 10+ hours getting my work done, using the Deed of Trust and Promissory note from you and there were a few problems: First, it would be FANTASTIC if you actually aligned your guide to actually match the Deed or Promissory Note. What I mean is that if the Deed says 'section (E)' then your guide shouldn't be 'randomly' numbered as 1,2,3, for advice/instructions, but should EXACTLY match 'section (E)'. Some places you have to 'hunt' for what you are looking for, and if you did it based on my suggestion, you wouldn't need to 'hunt' and it would avoid confusion. 2nd: This one really 'hurt'... you had something called the 'Deed of Trust Master Form' yet you had basically no information on what it was or how to use it. The only information you had was a small section at the top of the 'Short Form Deed of Trust Guide'. Holy Cow, was that 'section' super confusing. I still don't know if I did it correctly, but your guide says only put a return address on it and leave the rest of the 16 or so page Deed of Trust beneath it blank... and then include your 'Deed of Trust' (I had to assume the short form deed that I had just created) as part of it. I had to assume that I had to print off the entire 17 page or so title page and blank deed. I also had to assume that the promissory note was supposed to be EXHIBIT A or B on the Short Form Deed. It would be great if someone would take a serious look at that short section in your 'Short Form Deed of Trust Guide' and realize that those of us using your products are seriously turning this into a county clerk to file and that most of us, probably already have a property that has an existing Deed... or at least can find one in the county records if necessary... and make sure that you make a distinction between the Deed for the property that already exists, versus the Deed of Trust and Promissory note that we are trying to file. Thanks.
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Michael R. 5 out of 5 stars
Very simple to use and everything included
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Lisa G. 5 out of 5 stars
Rec'd downloads for quitclaim deed process in Florida. Recorded with the clerk of courts today and the form was done perfectly--she had no changes to make. Well worth the money--thanks
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Great website to find state documents. I do like the one-time charge also vs a recurring charge. Thank you!
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great forms, nice that they are fillable pdfs, easy to use, no issues. thanks.
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Jennifer A M. 5 out of 5 stars
Great service; very easy and simple, especially as an individual that needed only one (1) document recorded with my municipality.
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Kirsten Z. 5 out of 5 stars
Thank you! Including the Guide and completed example was especially helpful.
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LAWRENCE P. 4 out of 5 stars
How about a single button zip download of the files displayed instead of downloading them one at a time?
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donald h. 5 out of 5 stars
very informative and thank everyone involved,my deed needed to be changed and will adjusted.
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Shirley W. 5 out of 5 stars
I found the form easy to file out. But everything else was confusing with very little direction and help.
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