Windham County Mortgage Deed (Sole Owner with Homestead Joinder) Form
Last validated August 27, 2026 by our Forms Development Team
Windham 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.
Windham 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.
Windham 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
Immediate Download • Secure Checkout
Additional Vermont and Windham County documents included at no extra charge:
Where to Record Your Documents
Town Clerk of Athens
Athens, Vermont 05143
Hours: Mo 9:00 to 1:00 or by appt.
Phone: (802) 869-3370
Town Clerk of Brattleboro
Brattleboro, Vermont 05301
Hours: Mo-Fr 8:30 to 5:00
Phone: (802) 251-8157
Town Clerk of Brookline
Newfane, Vermont 05345
Hours: Tu, Th 9:00 - 2:00; 1st Sat 9:00 to noon; and by appt.
Phone: (802) 365-4648
Town Clerk of Dover
West Dover, Vermont 05356
Hours: Mo-Fr 9:00 to 5:00
Phone: (802) 464-5100 x2
Town Clerk of Dummerston
East Dummerston, Vermont 05346
Hours: Mo, Tu, Th, Fr 9:00 to 3:00 & We 11:00 to 5:00
Phone: (802) 257-1496
Town Clerk of Grafton
Grafton, Vermont 05146
Hours: Mo, Tu, Th, Fr 9:00 to 12:00 & 1:00 to 4:00; call first
Phone: (802) 843-2419
Town Clerk of Guilford
Guilford , Vermont 05301
Hours: Mo 7:00 to 6:00; Tu-Th 7:00 to 5:00
Phone: (802) 254-6857
Town Clerk of Halifax
West Halifax, Vermont 05358
Hours: Mo, Tu, Fr 8:00 to 3:00 & Sa 9:00 to noon
Phone: (802) 368-7390
Town Clerk of Jamaica
Jamaica, Vermont 05343
Hours: Mo-Th 9:00 to 4:00
Phone: (802) 874-4681
Town Clerk of Londonderry
South Londonderry, Vermont 05155
Hours: Mo, Tu, Th, Fr 8:30 to 2:30; We 10:00 to 5:00; Sat by appt
Phone: (802) 824-3356
Town Clerk of Marlboro
Marlboro, Vermont 05344
Hours: Mo, We, Th 9:00 to 4:00 (always call ahead)
Phone: (802) 254-2181
Town Clerk of Newfane
Newfane, Vermont 05345
Hours: Mo - Fr 8:00 to 6:00
Phone: (802) 365-7772 x10
Town Clerk of Putney
Putney, Vermont 05346
Hours: Mo, We-Fr 9:00 to 2:00; We 7:00 to 9:00; Sa 9:00 to noon
Phone: (802) 387-5862 x14
Town Clerk of Rockingham
Bellows Falls, Vermont 05101
Hours: Mo-Fr 8:30 to 4:30
Phone: (802) 463-4336 x102
Windham County Clerk (for Somerset)
Newfane, Vermont 05345
Hours: 8:30 to 4:00 M-F
Phone: (802) 251-2009
Town Clerk of Stratton
Stratton, Vermont 05360
Hours: Mo-Th 9:00 to 3:00
Phone: (802) 869-6184
Town Clerk of Townshend
Townshend, Vermont 05353
Hours: Mo-We & Fr 9:00 to 4:00
Phone: (802) 365-7300
Town Clerk of Vernon
Vernon, Vermont 05354
Hours: Mo, Tu, Th 7:30 to 5:30; We 7:30 to 9:30am
Phone: (802) 257-0292 x4
Town Clerk of Wardsboro
Wardsboro, Vermont 05355
Hours: Mo-Th 9:00 to 12:00 & 1:00 to 4:30
Phone: (802) 896-6055
Town Clerk of Westminster
Westminster, Vermont 05158
Hours: Mo-Fr 8:30 to 4:00
Phone: (802) 722-4091
Town Clerk of Whitingham
Jacksonville, Vermont 05342
Hours: Mo-Fr 9:00 to 2:00; We 5:00 to 7:00; 1st Sa 9:00 to noon
Phone: (802) 368-7887
Town Clerk of Wilmington
Wilmington, Vermont 05363-0217
Hours: Mo-Fr 8:30 to 12:00 & 1:00 to 4:00
Phone: (802) 464-5836
Town Clerk of Windham
Windham, Vermont 05359
Hours: Mo 12:00 to 4:30; Tu 8:30 to 12:00; We 8:30 to 4:30; Th 11:30 to 4:30
Phone: (802) 874-4211
Recording Tips for Windham County:
- Ensure all signatures are in blue or black ink
- Documents must be on 8.5 x 11 inch white paper
- Avoid the last business day of the month when possible
- Multi-page documents may require additional fees per page
Cities and Jurisdictions in Windham County
Properties in any of these areas use Windham County forms:
- Bellows Falls
- Brattleboro
- Cambridgeport
- East Dover
- Grafton
- Jacksonville
- Jamaica
- Londonderry
- Marlboro
- Newfane
- Putney
- Saxtons River
- South Londonderry
- South Newfane
- Townshend
- Vernon
- Wardsboro
- West Dover
- West Dummerston
- West Halifax
- West Townshend
- West Wardsboro
- Westminster
- Westminster Station
- Whitingham
- Williamsville
- Wilmington
Hours, fees, requirements, and more for Windham County
How do I get my forms?
Forms are available for immediate download after payment. The Windham 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 Windham County?
Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Windham 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 Windham 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 Windham County?
Recording fees in Windham County vary. Contact the recorder's office at (802) 869-3370 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 Windham 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 Windham County.
Our Promise
The documents you receive here are guaranteed to meet or exceed the applicable Windham 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 Windham 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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