Mercer County Deed of Trust and Promissory Note Form

Last validated June 25, 2026 by our Forms Development Team

Mercer County Deed of Trust Form

Mercer County Deed of Trust Form

Fill in the blank form formatted to comply with all recording and content requirements.

Document Last Validated 5/28/2026
Mercer County Deed of Trust Guidelines

Mercer County Deed of Trust Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 6/17/2026
Mercer County Completed Example of the Deed of Trust Document

Mercer County Completed Example of the Deed of Trust Document

Example of a properly completed form for reference.

Document Last Validated 6/1/2026
Mercer County Promissory Note Form

Mercer County Promissory Note Form

Note that is secured by the Deed of Trust.

Document Last Validated 6/23/2026
Mercer County Promissory Note Guidelines

Mercer County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 6/16/2026
Mercer County Completed Example of the Promissory Note Document

Mercer County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

Document Last Validated 5/22/2026
Mercer County Subordination Agreements

Mercer 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.

Document Last Validated 6/11/2026
Mercer County Annual Accounting Statement

Mercer County Annual Accounting Statement

Mail to borrower for fiscal year reporting.

Document Last Validated 6/25/2026

All 8 documents above included • One-time purchase • No recurring fees

Immediate Download • Secure Checkout

Important: Your property must be located in Mercer County to use these forms. Documents should be recorded at the office below.

Where to Record Your Documents

Mercer County Clerk

Address:
Courthouse - 1501 W Main St, Suite 121
Princeton, West Virginia 24740

Hours: Monday-Friday 8am-4:30pm

Phone: (304) 487-8312

Recording Tips for Mercer County:
  • Ask if they accept credit cards - many offices are cash/check only
  • Check margin requirements - usually 1-2 inches at top
  • Make copies of your documents before recording - keep originals safe

Cities and Jurisdictions in Mercer County

Properties in any of these areas use Mercer County forms:

  • Athens
  • Beeson
  • Bluefield
  • Bramwell
  • Camp Creek
  • Flat Top
  • Freeman
  • Hiawatha
  • Kegley
  • Kellysville
  • Lashmeet
  • Lerona
  • Matoaka
  • Montcalm
  • Nemours
  • Oakvale
  • Princeton
  • Rock
  • Spanishburg
  • Wolfe

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Mercer County

How do I get my forms?

Forms are available for immediate download after payment. The Mercer 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 Mercer County?

Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Mercer 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 Mercer 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 Mercer County?

Recording fees in Mercer County vary. Contact the recorder's office at (304) 487-8312 for current fees.

Questions answered? Let's get started!

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.

(West Virginia DOT Package includes forms, guidelines, and completed examples)

Important: Your property must be located in Mercer 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 Mercer County.

Our Promise

The documents you receive here are guaranteed to meet or exceed the applicable Mercer 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 Mercer 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 - ( 4747 Reviews )

Tommy P.

March 16th, 2019

This was simple! Thank you!

Reply from Staff

Thank you!

JUDITH-DIAN W.

June 28th, 2023

I didn't have any problem downloading and filling out the form on my computer and printing it yesterday. I didn't know what to put for "Source of Title". I called the county recording office; they didn't know either and said to leave it blank. I got the form notarized at my bank and took it in to the recording office. They checked it, accepted it, I paid a fee, and it's done. So easy. My children will appreciate that I've done this. Added note: You do have one typo on your form--you left out 'at'. It should read: "You should carefully read all information at the end of this form."

Reply from Staff

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Nancy J M.

August 22nd, 2021

Site is easy to navigate and forms are as described. Too bad there is no secure payment link service (PayPal, Apple Pay, etc. So after I verify charge has hit my credit card I will delete my Deeds.com account.

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September 28th, 2019

Awesome site. Looking for a way to save hiring an attorney. Family doesn't have the money for that so this site is much appreciated.

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May 18th, 2020

Very clear and complete. Good value.

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Margaret L.

June 15th, 2026

I was not able to use the form after paying for it. The words in red would not let me type over them and I could not get a blank document. Useless.

Reply from Staff

Each forms package includes a blank form, a guide, and a completed example. The red text appears in the completed example to show how a finished document may look; the blank form is the editable document intended for customer use. Because our products are do-it-yourself legal forms, we canceled the order and payment when it was clear the customer was not able to identify and use the blank form included in the package.

Thomas F.

February 18th, 2021

Very convenient!

Reply from Staff

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Regina W.

February 3rd, 2022

So glad I found this form. Very easy to download and looks like all the instructions are there to correctly fill out my paperwork. Thanks.

Reply from Staff

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Alan G.

October 28th, 2021

Using www.deeds.com was super ez even for a non-technical person like me, it saved me lots of time and the instructions and communications were great,I was able to file my deed online in half a day with most of that time taken up by the jurisdiction I filed with processing my submittal. I will use it again!

Reply from Staff

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James J.

October 2nd, 2021

Thank you for service. The deed process was easy to complete. My new deed was accepted by the county clerk and the tax assessors office.

Reply from Staff

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Tuesday G.

August 8th, 2020

This was a great site to use. They responded quickly when needed. And with i 24 hours the deed was filed. Very happy with with site and company! Thank you!

Reply from Staff

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Edward M.

February 15th, 2021

Great Forms, Detailed explanation on how to fill them out properly. No Issues at all. Very e-z to use site and forms. Thanks

Reply from Staff

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Michael A.

November 14th, 2020

Customer service was poor. I felt like I had to debate the representative to provide guidance and assistance. They acted as though I knew the process, the documents involved, etc. At the same time, they asked me to confirm which documents or at least pages needed to be filed. I was leaning of Deeds.com for their expertise.

Reply from Staff

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Jodi W.

August 22nd, 2019

Absolutely horrible service and experience. Would not recommend to anyone. If there was an option to select a zero star rating I would have. I am sure this review will not be posted.

Reply from Staff

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Paul V.

January 10th, 2022

Easy to use , so far

Reply from Staff

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