Rutland County Mortgage Deed (Sole Owner with Homestead Joinder) Form
Last validated July 17, 2026 by our Forms Development Team
Rutland 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.
Rutland 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.
Rutland 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 Rutland County documents included at no extra charge:
Where to Record Your Documents
Town Clerk of Benson
Benson, Vermont 05731
Hours: Mo, Tu, Th, Fr 9:00 to 3:00 & We 3:00 to 7:00
Phone: (802) 537-2611
Town Clerk of Brandon
Brandon, Vermont 05733
Hours: Mo-Fr 8:00 to 4:00
Phone: (802) 247-3635
Town Clerk of Castleton
Castleton, Vermont 05735
Hours: Mo-We 9:00 to 4:30; Th 10:00 to 5:30 (closed 12:30-1:00); Fr 9:00 to 1:00
Phone: (802) 468-2212
Town Clerk of Chittenden
Rutland, Vermont 05737
Hours: Mo-Th 9:00 to 4:00
Phone: (802) 483-6647 x1
Town Clerk of Clarendon
Clarendon, Vermont 05759
Hours: Mo-Th 10am to 4pm
Phone: (802) 775-4274
Town Clerk of Danby
Danby, Vermont 05739
Hours: Mo-Th 9am to 12pm & 1pm to 4pm
Phone: (802) 293-5136
Town Clerk of Fair Haven
Fair Haven, Vermont 05743
Hours: Mo-Th 8:00 to 4:00; We until 7:00; Fr 8:00 to 12:00
Phone: (802) 265-3610 x4
Town Clerk of Hubbardton
Castleton, Vermont 05735
Hours: Mo, We, Fr 9am to 2pm; call on other days
Phone: (802) 273-2951
Town Clerk of Ira
Ira, Vermont 05777
Hours: Tu 3:00 to 7:00 & Fr 8:30 to 2:30; or by appt
Phone: (802) 235-2745
Town Clerk of Killington
Killington, Vermont 05751
Hours: Mo-Fr 9:00 to 3:00
Phone: (802) 422-3243
Town Clerk of Mendon
Mendon, Vermont 05701
Hours: Mo, Tu, Th 8:00 to 5:00
Phone: (802) 775-1662 x1
Town Clerk of Middletown Springs
Middletown Springs, Vermont 05757-1232
Hours: Mo, Tu 9:00 to 12:00 & 1:00 to 4:00, Fr 1:00 to 4:00, Sa 9:00 to 12:00
Phone: (802) 235-2220
Town Clerk of Mount Holly
Mount Holly, Vermont 05758
Hours: Mo-Th 8:30 to 4:00
Phone: (802) 259-2391
Town Clerk of Mount Tabor
Mt. Tabor, Vermont 05739
Hours: Tu & We 9am to noon or by appt
Phone: (802) 293-5282 or 293-5020 (home)
Town Clerk of Pawlet
Pawlet, Vermont 05761-0128
Hours: Mo, We 8:30 to 3:30; Tu 11:00 to 6:00; Th 9:00 to noon
Phone: (802) 325-3309 x1
Town Clerk of Pittsfield
Pittsfield, Vermont 05762
Hours: Tu 12pm to 6pm; We, Th 9am to 3pm
Phone: (802) 746-8170
Town Clerk of Pittsford
Pittsford, Vermont 05763-0010
Hours: Mo-We 8:00 to 4:30; Th 8:00 to 6:00; Fr 8:00 to 3:00
Phone: (802) 483-6500 x11, 12 & 13
Town Clerk of Poultney
Poultney, Vermont 05764
Hours: Mo-Fr 8:30 to 12:30 & 1:30 to 4:00
Phone: (802) 287-5761
Town Clerk of Proctor
Proctor, Vermont 05765
Hours: Mo-Fr 8:00 to 4:00
Phone: (802) 459-3333
City of Rutland: Clerk
Rutland, Vermont 05702
Hours: Mo-Fr 8:30 to 5:00 (phone); 9:00 to 4:45 (vault)
Phone: (802) 773-1800 x5
Town of Rutland: Clerk
Ctr Rutland, Vermont 05736
Hours: Mo-Fr 8:00 to 4:30
Phone: (802) 773-2528
Town Clerk of Shrewsbury
Shrewsbury, Vermont 05738
Hours: Mo-Th 9:00 to 3:00
Phone: (802) 492-3511
Town Clerk of Sudbury
Sudbury, Vermont 05733
Hours: Mo 9:00 to 4:00; We 7:00 to 9:00; Fr 9:00 to 3:00
Phone: (802) 623-7296
Town Clerk of Tinmouth
Tinmouth, Vermont 05773
Hours: Mo & Th 8:00 to 12:00 & 1:00 to 5:00; most Sats 9:00 to noon; and by appt
Phone: (802) 446-2498
Town Clerk of Wallingford
Wallingford, Vermont 05773
Hours: Mo-Th 8:00 to 4:30; Fr 8:00 to 12:00
Phone: (802) 446-2336
Town Clerk of Wells
Wells, Vermont 05774
Hours: Mo-Th 7:30 to 3:30
Phone: (802) 645-0486 x10
Town Clerk of West Haven
West Haven, Vermont 05743
Hours: Mo & We 1:00 to 3:30
Phone: (802) 265-4880
Town Clerk of West Rutland
West Rutland, Vermont 05777
Hours: Mo-Th 9:00 to 3:00; Friday by appointment
Phone: (802) 438-2204
Recording Tips for Rutland County:
- Bring your driver's license or state-issued photo ID
- White-out or correction fluid may cause rejection
- Verify all names are spelled correctly before recording
- Recording fees may differ from what's posted online - verify current rates
- Bring extra funds - fees can vary by document type and page count
Cities and Jurisdictions in Rutland County
Properties in any of these areas use Rutland County forms:
- Belmont
- Benson
- Bomoseen
- Brandon
- Castleton
- Center Rutland
- Chittenden
- Cuttingsville
- Danby
- East Poultney
- East Wallingford
- Fair Haven
- Florence
- Forest Dale
- Hydeville
- Killington
- Middletown Springs
- Mount Holly
- North Clarendon
- Pawlet
- Pittsfield
- Pittsford
- Poultney
- Proctor
- Rutland
- Wallingford
- Wells
- West Pawlet
- West Rutland
Hours, fees, requirements, and more for Rutland County
How do I get my forms?
Forms are available for immediate download after payment. The Rutland 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 Rutland County?
Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Rutland 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 Rutland 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. You'll need Adobe Reader (free software that most computers already have). 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 Rutland County?
Recording fees in Rutland County vary. Contact the recorder's office at (802) 537-2611 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 Rutland County to use these forms. Documents should be recorded at the office below.
This Mortgage Deed (Sole Owner with Homestead Joinder) meets all recording requirements specific to Rutland County.
Our Promise
The documents you receive here are guaranteed to meet or exceed the applicable Rutland 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 Rutland 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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