Mecklenburg County Deed of Trust and Promissory Note Form (Virginia)

All Mecklenburg County specific forms and documents listed below are included in your immediate download package:

Deed of Trust Form

Mecklenburg County Deed of Trust Form

Fill in the blank form formatted to comply with all recording and content requirements.
Included Mecklenburg County compliant document last validated/updated 5/22/2025

Deed of Trust Guidelines

Mecklenburg County Deed of Trust Guidelines

Line by line guide explaining every blank on the form.
Included Mecklenburg County compliant document last validated/updated 6/6/2025

Completed Example of the Deed of Trust

Mecklenburg County Completed Example of the Deed of Trust

Example of a properly completed form for reference.
Included Mecklenburg County compliant document last validated/updated 12/16/2024

Promissory Note Form

Mecklenburg County Promissory Note Form

Note that is secured by the Deed of Trust.
Included Mecklenburg County compliant document last validated/updated 5/30/2025

Promissory Note Guidelines

Mecklenburg County Promissory Note Guidelines

Line by line guide explaining every blank on the form.
Included Mecklenburg County compliant document last validated/updated 6/19/2025

Completed Example of the Promissory Note Document

Mecklenburg County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.
Included Mecklenburg County compliant document last validated/updated 6/4/2025

Subordination Agreements

Mecklenburg 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.
Included Mecklenburg County compliant document last validated/updated 4/15/2025

Annual Accounting Statement

Mecklenburg 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)
Included Mecklenburg County compliant document last validated/updated 4/30/2025

When using these Deed of Trust and Promissory Note forms, the subject real estate must be physically located in Mecklenburg County. The executed documents should then be recorded in the following office:

Clerk of Circuit Court

393 Washington St / PO Box 530, Boydton, Virginia 23917-0530

Hours: 8:30 to 5:00 M-F

Phone: (434) 738-6191 Ext 4216

Local jurisdictions located in Mecklenburg County include:

  • Baskerville
  • Boydton
  • Bracey
  • Buffalo Junction
  • Chase City
  • Clarksville
  • La Crosse
  • Nelson
  • Skipwith
  • South Hill

How long does it take to get my forms?

Forms are available immediately after submitting payment.

How do I get my forms, are they emailed?

Immediately after you submit payment, the Mecklenburg County forms you order will be available for download directly from your account. You can then download the forms to your computer. If you do not already have an account, one will be created for you as part of the order process, and your login details will be provided to you. If you encounter any issues accessing your forms, please reach out to our support team for assistance. Forms are NOT emailed to you.

What does "validated/updated" mean?

This indicates the most recent date when at least one of the following occurred:

  • Updated: The document was updated or changed to remain compliant.
  • Validated: The document was examined by an attorney or staff, or it was successfully recorded in Mecklenburg County using our eRecording service.
Are these forms guaranteed to be recordable in Mecklenburg County?

Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Mecklenburg County including margin requirements, content requirements, font and font size requirements.

Can the Deed of Trust and Promissory Note forms be re-used?

Yes. You can re-use the forms for your personal use. For example, if you have more than one property in Mecklenburg County that you need to transfer you would only need to order our forms once for all of your properties in Mecklenburg County.

What are supplemental forms?

Often when a deed is recorded, additional documents are required by Virginia or Mecklenburg County. These could be tax related, informational, or even as simple as a coversheet. Supplemental forms are provided for free with your order where available.

What type of files are the forms?

All of our Mecklenburg County Deed of Trust and Promissory Note forms are PDFs. You will need to have or get Adobe Reader to use our forms. Adobe Reader is free software that most computers already have installed.

Do I need any special software to use these forms?

You will need to have Adobe Reader installed on your computer to use our forms. Adobe Reader is free software that most computers already have installed.

Do I have to enter all of my property information online?

No. The blank forms are downloaded to your computer and you fill them out there, at your convenience.

Can I save the completed form, email it to someone?

Yes, you can save your deed form at any point with your information in it. The forms can also be emailed, blank or complete, as attachments.

Are there any recurring fees involved?

No. Nothing to cancel, no memberships, no recurring fees.

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.


Our Promise

The documents you receive here will meet, or exceed, the Mecklenburg 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 Mecklenburg 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 - ( 4562 Reviews )

MARY LACEY M.

June 30th, 2025

Great service! Recording was smooth and swiftly performed. Deeds.com is an excellent service.rn

Reply from Staff

We are delighted to have been of service. Thank you for the positive review!

Robert F.

June 30th, 2025

Breeze.... It feels silly to hire an attorney to do this for just one beneficiary. Thanks.

Reply from Staff

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Pauline C.

June 29th, 2025

Everything that was stated to be included in my order was complete. Very satisfied

Reply from Staff

Thank you for your positive words! We’re thrilled to hear about your experience.

James A.

January 2nd, 2020

Good.

Reply from Staff

Thank you!

Sylvia Y.

September 2nd, 2020

Fantastic forms! So nice to have them formatted correctly for our county, the recorder here can be very picky with the margins. No issues at all.

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Anne G.

April 6th, 2020

I used deeds.com's services for the first time while the Stay at Home Order is in effect and found it to be very user friendly and seamless. I am very impressed.

Reply from Staff

Thank you Anne, glad we could help.

Michael G. S.

January 3rd, 2019

The process was quite easy, following the instructional guide. I have yet to find out if the deed was accepted, but your site was very user friendly.

Reply from Staff

We appreciate your business and value your feedback. Thank you. Have a wonderful day!

Dennis T.

November 23rd, 2019

I liked the service very much. The form I ordered wasn't provided by the local government agency and I couldn't find it on the internet.
I liked that the form came with easy to follow, line by line, instructions and a sample. I also appreciated that I wasn't forced to take on a trial membership to keep me on the hook. I would definitely use this service again in the future!

Reply from Staff

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GARY S.

March 16th, 2021

The forms were just what i needed and for the county i needed thankyou so much

Reply from Staff

Thank you!

Sherilynne P.

May 21st, 2019

I am delighted with the form. I just had to go through so much time and expense in order to use it. First, from your site I downloaded Adobe Acrobat. It totally compromised my computer. I had to get a computer expert to walk me through deleting adobe, and put a substitute on in order to use the form. That was an expense of $60.00. Then after that I still had a hard time getting the program to work, as the substitute program would not accept my e-mail address and I finally had to get someone on line to help me access that. I found it was a $$30.00 charge for the substitute. After fighting these lovely roadblocks, I was finally able to fill in the only form I needed and print it off. Took me two days to accomplish that. Why on earth do you offer adobe when it can compromise a computer so badly? Dealing with my husbands death and then having to deal with this, just one of many deterrents, well let's put it this way, it did not make my two days.

Reply from Staff

Thank you for your feedback. Sorry to hear of your experience. Our documents are Adobe PDFs because PDF is the standard for digital documents, most computers have Adobe Reader installed, and it (Adobe Reader) is free.

Neil S.

January 3rd, 2019

Very impressive. The only change I would suggest is a smaller font on the title.

Reply from Staff

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Donald T.

February 6th, 2020

very user friendly. includes an example you can reference, and explanation of terms, which helps greatly in understanding.

Reply from Staff

Thank you!

Catherine B.

September 15th, 2020

Trying to get a hold of someone in the office is very difficult. This made it so much easier, thank you!

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Donna P.

September 20th, 2020

Your documents were very helpful. I went ahead and filled in all the info for the Release of Lien document. It was easy to do with your example. I had all the necessary info such as plot numbers, etc. for the property and everything fit nicely onto the document. It has been notorized and mailed. My grandparents' Victorian home has new owners who love it and has paid it off. Yeah!!!

Reply from Staff

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Kecia L.

February 9th, 2021

Great place to find much needed documents.

A huge thanks!

Reply from Staff

We appreciate your business and value your feedback. Thank you. Have a wonderful day!