West Virginia - Cabell County Deed of Trust and Promissory Note Forms

Included Forms

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

Deed of Trust Form - Cabell County

Fill in the blank form formatted to comply with all recording and content requirements.
Included document last updated 2/15/2023

Deed of Trust Guidelines - Cabell County

Line by line guide explaining every blank on the form.
Included document last updated 11/25/2022

Completed Example of the Deed of Trust Document - Cabell County

Example of a properly completed form for reference.
Included document last updated 10/21/2022

Promissory Note - Cabell County

Note that is secured by the Deed of Trust.
Included document last updated 2/13/2023

Promissory Note Guidelines - Cabell County

Line by line guide explaining every blank on the form.
Included document last updated 2/28/2023

Completed Example of the Promissory Note Document - Cabell County

Example of a properly completed form for reference.
Included document last updated 2/3/2023

Subordination Clauses - Cabell County

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 document last updated 2/7/2023

Annual Accounting Statement - Cabell County

Mail to borrower for fiscal year reporting.
Included document last updated 1/9/2023

Included Supplemental Documents

The Following West Virginia and Cabell County supplemental forms are included as a courtesy with your order.

Declaration of Consideration (West Virginia Document)

Sales Listing Form (West Virginia Document)

Instructions for Sales Listing Form (West Virginia Document)

Certificate of Acknowledgment - Individual (West Virginia Document)

Certificate of Acknowledgment - Representative (West Virginia Document)

Verification of an Oath - Jurat (West Virginia Document)

Frequently Asked Questions:

• How long does it take to get my forms?
  • Forms are available immediately after submitting payment.
• What are supplemental forms?
  • Often when a deed is recorded additional documents are required by West Virginia or Cabell 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.
• How do I get my forms, are they emailed?
  • After you submit payment you will see a page listing the Cabell County forms you ordered with a download link to the pdf form file. You download the forms to your computer. You will also receive an email with a link to your download page in case you need it later.
• What type of files are the forms?
  • All of our Cabell 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.
• 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 Cabell County that you need to transfer you would only need to order our forms once for all of your properties in Cabell County.
• Are these forms guaranteed to be recordable in Cabell County ?
  • Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Cabell County including margin requirements, content requirements, font and font size requirements.
• 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.
• 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.
• Are there any recurring fees involved?
  • No. Nothing to cancel, no memberships, no recurring fees.

Areas covered by these Deed of Trust and Promissory Note Forms:

• Cabell County

Including:

• Barboursville
• Culloden
• Huntington
• Lesage
• Milton
• Ona
• Salt Rock

What is the West Virginia Deed of Trust and Promissory Note?

There are three parties in this Deed of Trust:
1- The Trustor (Borrower)
2- Beneficiary (Lender) and a
3- Trustee (Neutral Third Party)
Basic Concept. The Trustor (Borrower) conveys property title to a Trustee (Neutral Party). A Trustee or beneficiary/Lender can take action against any person for damages.
In West Virginia, a Deed of Trust (DOT) is the most commonly used instrument to secure a loan. If the DOT has a "Power of Sale" clause, foreclosure can be done non-judicially, saving time and expense, because the trustee doesn't require the court's involvement. This process is called a Trustee Sale. Explained in WV Statute 38-1-3. "Sales under trust deeds."

Proceeds of Trustee Sale: After deducting all costs, fees and expenses of Trustee and of this trust, including the cost of evidence of title in connection with the sale and reasonable attorney's fees, trustee shall apply the proceeds of sale to payment of all sums then secured hereby and all other sums due under the terms hereof, with accrued interest, and the remainder, if any, to the persons legally entitled thereto or as provided by W. VA. ARTICLE 1, 38-1-7.

(38-1-2. Form of deed of trust; memorandum of deed of trust may be recorded.) This Form is fully formatted for W.VA. recording requirements.

Promissory Note secured by Deed of Trust.
In general, the lender can charge 6% with no written contract and 8% with a written contract. Exceptions are made, see W. VA. Statute 47-6-5, "Legal rate of interest".

Terms:
A- Principle Owed and Maturity Date of Loan

B- Payments - Traditional Installment or installments with a Balloon Payment.

C- Late Payments: So much $ owed after X number of days, plus $ for each day after.

D- Default Rate: If payment is at least 30 days past due, then the principal balance shall bear interest at default rate of $$$.

E- Overdue Loan Fee: 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.

F- Default Terms: If any of the following events of default occur, this Note and any other obligations of the Borrower to the Lender, shall become due immediately, without demand or notice:
1) the failure of the Borrower to pay the principal and any accrued interest when due;
2) the filing of bankruptcy proceedings involving the Borrower as a debtor;
3) the application for the appointment of a receiver for the Borrower;
4) the making of a general assignment for the benefit of the Borrower's creditors;
5) the insolvency of the Borrower;
6) a misrepresentation by the Borrower to the Lender for the purpose of obtaining or extending credit.
7) In addition, the Borrower shall be in default if there is a sale, transfer, assignment, or any other disposition of any real estate pledged as collateral for the payment of this Note, or if there is a default in any security agreement which secures this Note.

G- Venue: If legal action is required, Lender provides the County of such actions.

This package can be used for financing of residential property, a condominium, a small office building and rental property (up to 4 units). A Promissory Note secured by a Deed of Trust with strong default terms can be beneficial to the Lender. This form has terms and conditions defined by W. VA. Statutes, for use in W. VA only.

Our Promise

The documents you receive here will meet, or exceed, the Cabell 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 Cabell 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.

Customer Reviews:

4.8 out of 5 (3962 Reviews)

March 23rd, 2023

Name: MIchael T.

Review: very helpful in a trouble free manner.

Reply from Staff on March 23rd, 2023

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March 23rd, 2023

Name: Roger G.

Review: was difficult to find the location on the website to actually download the form I needed. Initially was directed only to information pages related to the form I needed

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March 23rd, 2023

Name: Walter C.

Review: Awesome everything you would ever need

Reply from Staff on March 23rd, 2023

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Name: Joan S.

Review: Thanks for providing this service. We had searched for weeks for the correct documents. It might help clients to find you soon if the banks and mortgage companies can refer clients to you. They require the forms but offer no direct source to obtain them. You are 5 star in every way.

Reply from Staff

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Name: Connie E.

Review: Great service! Easy to download and view. Florida should have the Revocable Transfer on Death (TOD)deed, that many other States have. That's the one I really wanted. This one will do in the meantime.

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Name: Sherrl F.

Review: I had a excellent experience using DEEDS.COM. Very clear directions and site was easy to use. I paid the fee to have my deed electronically filed and it was done the day I requested it be filed.

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Name: James A.

Review: Good.

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Name: Larry T.

Review: Ordered a 'Gift Deed' form The 'Example' form was most helpful. The actual form was very detailed, and seemed to 'cover all the bases'

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Name: Thomas V.

Review: Easy to use. Accomplished my goal

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Name: Stacie L.

Review: The deed is great. However, I do not believe your Statement of Full Consideration is up to date as it does not give the reference for an exemption on the Transfer on Death Deed.

Reply from Staff

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Name: Steve F.

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Review: Recording with Deeds.com was a seamless experience. Communications were timely, clear and professional. When I had a question, I received a prompt email reply. Overall an excellent experience

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Name: Glenda M.

Review: I am very pleased with my purchase of the Affidavit Death of Joint Tenant form. I previously purchased this form from the leading providing of DIY legal forms and it was rejected by the Registrar in my state. I then had to start over. Plus I needed a form that would show me a completed example and give me line-by-line instructions. Deeds.com filled the bill perfectly. Their website also let me know the last date the form was updated.

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Name: John S.

Review: Your service is refreshingly clear, simple, and free of superfluous claims or unnecessary marketing. And, more affordable than other online legal document providers I've looked at. So nice! I forgot I had used it some years ago for another deed so glad you are still around for this time.

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Name: Jeanne V.

Review: The service your provide is awesome. I rarely need to file a deed through e-recording, but when an emergency arose and I needed to get the deed recorded fast, your program came through. Well worth the $19.00 cost! It was very convienent and easy to use. I will definitely use this service again!!

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