Hanover County Deed of Trust and Promissory Note Form

Hanover County Deed of Trust Form
Fill in the blank form formatted to comply with all recording and content requirements.

Hanover County Deed of Trust Guidelines
Line by line guide explaining every blank on the form.

Hanover County Completed Example of the Deed of Trust
Example of a properly completed form for reference.

Hanover County Promissory Note Form
Note that is secured by the Deed of Trust.

Hanover County Promissory Note Guidelines
Line by line guide explaining every blank on the form.

Hanover County Completed Example of the Promissory Note Document
Example of a properly completed form for reference.

Hanover County Subordination Agreements
Used to place priority on claim of debt. Included are 4 clauses for unique situations. If needed, add to Deed of Trust as an addendum or rider.

Hanover County Annual Accounting Statement
Mail to borrower for fiscal year reporting. (A request for payoff information under this section may be made one time within a 12-month period without charge) (6.2-418)
All 8 documents above included • One-time purchase • No recurring fees
Additional Virginia and Hanover County documents included at no extra charge:
Where to Record Your Documents
Hanover Clerk of Circuit Court
Hanover, Virginia 23069-0039
Hours: 8:00 to 4:30 M-F
Phone: (804) 365-6150 or 6151
Recording Tips for Hanover County:
- Check that your notary's commission hasn't expired
- Check margin requirements - usually 1-2 inches at top
- Leave recording info boxes blank - the office fills these
- Bring extra funds - fees can vary by document type and page count
- Avoid the last business day of the month when possible
Cities and Jurisdictions in Hanover County
Properties in any of these areas use Hanover County forms:
- Ashland
- Beaverdam
- Doswell
- Hanover
- Mechanicsville
- Montpelier
- Rockville
- Studley
How do I get my forms?
Forms are available for immediate download after payment. The Hanover 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 Hanover County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Hanover County including margin requirements, content requirements, font and font size requirements.
Can I reuse these forms?
Yes. You can reuse the forms for your personal use. For example, if you have multiple properties in Hanover 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 Hanover County?
Recording fees in Hanover County vary. Contact the recorder's office at (804) 365-6150 or 6151 for current fees.
Have other questions? Contact our support team
A Deed of Trust (DOT), is a document that conveys title to real property to a trustee as security for a loan until the grantor (borrower) repays the lender according to terms defined in an attached promissory note. It's similar to a mortgage but differs in that mortgages only include two parties (borrower and lender).
In the Commonwealth of Virginia, a Deed of Trust is the most commonly used instrument to secure a loan. Foreclosure can be done non-judicially, saving time and expense. This process is called a Trustee Sale.
There are three parties in this Deed of Trust:
1- The Grantor (Borrower)
2- Beneficiary (Lender) and a
3- Trustee (Neutral Third Party) (Our guidelines will show how to choose a Trustee at little to no cost)
Basic Concept. The Trustor (Borrower) conveys property title to a Trustee (Neutral Party). A Trustee or beneficiary/Lender can take an action against any person for damages.
Due on Sale Clause: It allows the lender to call or modify the loan if the borrower conveys/sells the property. ("Notice - The debt secured hereby is subject to call in full or the terms thereof being modified in the event of sale or conveyance of the property conveyed.") Required format where (any loan is secured by a mortgage or deed of trust on real property comprised of one- to four-family residential dwelling units.) (VA. Revised Statutes 6.2-417)
These forms are flexible, they can be used for financing residential property, agricultural property, rental property, condominiums, and or small office buildings, with or without existing liens and encumbrances.
A "Special Provisions" section is included for any information specific to your transaction.
The Promissory Note offers options of financing, conventional installments, or installments combined with a balloon payment, common with Owner Financing transactions. Late Charges and Default rates are set within.
(Any lender or seller may impose a late charge for failure to make timely payment of any installment due on a debt, whether installment or single maturity, provided that such late charge does not exceed five percent of the amount of such installment payment and that the charge is specified in the contract between the lender or seller and the debtor.) (6.2-400 (B))
In addition to any other remedies available to Lender if this Note is not paid in full at the Maturity Date, Borrowers shall pay to Lender an Overdue Loan Fee, which fee shall be due at the time this Note is otherwise paid in full. The "Overdue Loan Fee" shall be determined based upon the outstanding principal balance of this Note as of the Maturity Date and shall be:
(a) one percent (1.0%) Of such principal balance if the Note is paid in full on or after thirty (30) days after the Maturity Date but less than sixty (60) days after the Maturity Date, or
(b) two percent (2.0%) of such principal balance if the Note is paid in full on or after sixty (60) days after the Maturity Date.
A Deed of Trust secured by a Promissory Note that includes stringent default terms, can be advantageous to the Lender and favorable to Owner Financing.
(Virginia DOT Package includes forms, guidelines, and completed examples) For use in the Commonwealth of Virginia only.
Important: Your property must be located in Hanover County to use these forms. Documents should be recorded at the office below.
This Deed of Trust and Promissory Note meets all recording requirements specific to Hanover County.
Our Promise
The documents you receive here will meet, or exceed, the Hanover 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 Hanover County Deed of Trust 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.
4.8 out of 5 - ( 4570 Reviews )
Tamara R.
May 2nd, 2021
Easy to use and clear instructions.
We appreciate your business and value your feedback. Thank you. Have a wonderful day!
Laura H.
January 12th, 2023
Process was easy. The instructions for TOD and a sample completed form was very helpful. E-recording of deed saved a trip to the county building and well worth the very reasonable charge.
Thank you for your feedback. We really appreciate it. Have a great day!
Terry S.
February 14th, 2023
I was very happy with the document package that I purchased. It contained all of the necessary documents and a few extras I had not thought about. Perhaps if you provided a link to download all of the documents with one click, it would make it a little easier.
Thank you for your feedback. We really appreciate it. Have a great day!
James J.
December 27th, 2019
Downloaded and used the Ladybird Warranty Deed for a county in Florida with no issues. Cost for the download and subsequent recording fee of the deed totaled less than $40. No reason to pay hundreds. I assume the subsequent transfer upon death will go smoothly, but I of course, will never know. The "example" of a completed form was very beneficial. Also, get a copy of the current deed and make sure legal description of real estate is exactly the same on the new deed.
Thank you for your feedback. We really appreciate it. Have a great day!
Bobby T.
June 17th, 2020
Great!! Helps me out
Thank you!
Dexter Lamar H.
August 4th, 2023
Quick service!
Thank you!
John U.
April 24th, 2020
It's too early for me to tell because I just uploaded the document today and it hasn't been recorded yet. However, I will say that the website is very user friendly so assuming that everything goes as planned, this is a great service.
Thank you!
Kathryn C.
January 2nd, 2020
I truly appreciate you and you service for all you do to help me ThankYou kathrynchertock
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Thoreson P.
June 7th, 2021
Top notch service.
Thank you!
RICHARD M.
May 12th, 2020
After a little glitch due to heavy volume at the County Recorder, my document was recorded. County Recorder was closed to public access at the office (due to the coronavirus issues) so all documents were either mailed to them or sent in electronically. Deeds.com was very efficient at their end with very quick responses to my questions and concerns. I would definitely use their services again.
Thank you for your feedback. We really appreciate it. Have a great day!
Robert S B.
May 22nd, 2019
I would not have ordered this form had I realised how limited the fields are for details. There is no room for elaboration of terms. The language only allows one grantor and one grantee, and the gender and quantity default construction is a poor choice. Be basic, but leave room for more.
Thank you for your feedback. We really appreciate it. Have a great day!
Elizabeth F.
February 14th, 2022
This was great other than exemption codes did not populate and I couldn't refer to it.
Thank you for your feedback. We really appreciate it. Have a great day!
Nancy B.
August 23rd, 2020
Deeds.com is a godsend! Being able to download the pertinent state and county specific forms reassured me of having the correct t forms in which to proceed. The cost was most reasonable. Thanks for this service.
Thank you!
luisana w.
September 9th, 2022
Super easy, excellente
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Timothy G.
August 1st, 2020
Easy peezy.
Thank you!