Lamoille County Mortgage Deed (Sole Owner with Homestead Joinder) Form
Last validated September 18, 2026 by our Forms Development TeamFormatted for recording in Lamoille County, for property anywhere in the county: rural and unincorporated areas as well as Belvidere Center, Eden, Eden Mills, Hyde Park, Jeffersonville, Johnson, Lake Elmore, Morrisville and 5 more.
- 3 documents included
- Immediate PDF download
- Formatting guarantee
Lamoille 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.
Lamoille 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.
Lamoille 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 Lamoille County documents included at no extra charge:
Where to Record Your Documents
Town Clerk of Belvidere
Belvidere, Vermont 05442
Hours: Tu, W, Th 8:30 - 3:30
Phone: (802) 644-6621
Town Clerk of Cambridge
Jeffersonville, Vermont 05464
Hours: M-F 8:00 - 4:00
Phone: (802) 644-2251
Town Clerk of Eden
Eden Mills, Vermont 05653
Hours: M-Th 8:00 to 4:00
Phone: (802) 635-2528
Town Clerk of Elmore
Lake Elmore, Vermont 05657
Hours: Tu through Th 9:00 to 3:00
Phone: (802) 888-2637
Town Clerk of Hyde Park
Hyde Park, Vermont 05655
Hours: M-F 8:00 - 4:00
Phone: (802) 888-2300 x1
Town Clerk of Johnson
Johnson, Vermont 05656
Hours: M-F 7:30 to 4:00
Phone: (802) 635-2611
Town Clerk of Morristown
Morrisville, Vermont 05661
Hours: M-F 8:30 to 4:30; W until 12:00 only
Phone: (802) 888-6370
Town Clerk of Stowe
Stowe, Vermont 05672
Hours: M-F 8:00 to 4:30
Phone: (802) 253-6133
Town Clerk of Waterville
Waterville, Vermont 05492
Hours: M, Tu, Th 9:00 - 1:30
Phone: (802) 644-8865
Town Clerk of Wolcott
Wolcott, Vermont 05680
Hours: Tue 8:00 to 6:00, Wed-Fri 8:00 to 4:00
Phone: (802) 888-2746
Lamoille County Clerk
Hyde Park, Vermont 05655
Hours: M-Th 7:00 to 12:00
Phone: (802) 888-0631
Recording Tips for Lamoille County:
- Bring your driver's license or state-issued photo ID
- Ensure all signatures are in blue or black ink
- Ask about accepted payment methods when you call ahead
- Ask for certified copies if you need them for other transactions
- Ask if they accept credit cards - many offices are cash/check only
Cities and Jurisdictions in Lamoille County
Properties in any of these areas use Lamoille County forms:
- Belvidere Center
- Eden
- Eden Mills
- Hyde Park
- Jeffersonville
- Johnson
- Lake Elmore
- Morrisville
- Moscow
- North Hyde Park
- Stowe
- Waterville
- Wolcott
Hours, fees, requirements, and more for Lamoille County
How do I get my forms?
Forms are available for immediate download after payment. The Lamoille 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 Lamoille County?
Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Lamoille 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 Lamoille 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 Lamoille County?
Recording fees in Lamoille County vary. Contact the recorder's office at (802) 644-6621 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 Lamoille 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 Lamoille County.
Our Promise
The documents you receive here are guaranteed to meet or exceed the applicable Lamoille 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
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We have been waiting for a Title Company to put a release of Lien together for the past 3 months. I figured it was taking way to long and decided to use template here instead. In less than hour I was able to add all the information on the template and provide forms to our Seller to use. We were buying and he didnt think they were necessary. But I refused to pay him in full until he agreed to sign papers at the bank, and of course in front of a notary. We turned around and filed the Release of lien paperwork at County Clerks office, we officially own our house. Thank you!
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