Deeds.com Real Estate Deeds
Deeds.com Account
Sign In

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

Express Checkout (Download)

Form Package
Deed of Trust and Promissory Note
State
West Virginia
Area
Pocahontas County
Price
$27.97
Delivery
Immediate Download

Payment Information

Included Forms

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


Pocahontas County Deed of Trust Form Page 1

Deed of Trust Form - Pocahontas County

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

Pocahontas County Deed of Trust Guidelines Page 1

Deed of Trust Guidelines - Pocahontas County

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

Pocahontas County Completed Example of the Deed of Trust Document Page 1

Completed Example of the Deed of Trust Document - Pocahontas County

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

Pocahontas County Promissory Note  Page 1

Promissory Note - Pocahontas County

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

Pocahontas County Promissory Note Guidelines Page 1

Promissory Note Guidelines - Pocahontas County

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

Pocahontas County Completed Example of the Promissory Note Document Page 1

Completed Example of the Promissory Note Document - Pocahontas County

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

Pocahontas County Subordination Clauses Page 1

Subordination Clauses - Pocahontas 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

Pocahontas County Annual Accounting Statement Page 1

Annual Accounting Statement - Pocahontas County

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

Included Supplemental Documents

The Following West Virginia and Pocahontas 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 Pocahontas 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 Pocahontas 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 Pocahontas 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 Pocahontas County that you need to transfer you would only need to order our forms once for all of your properties in Pocahontas County.
  • Are these forms guaranteed to be recordable in Pocahontas County ?
    • Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Pocahontas 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:

  • Pocahontas County

Including:

  • Arbovale
  • Bartow
  • Buckeye
  • Cass
  • Dunmore
  • Durbin
  • Green Bank
  • Hillsboro
  • Marlinton
  • Slatyfork
  • Snowshoe

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 Pocahontas 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 Pocahontas 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 (3959 Reviews)


March 22nd, 2023

Name: Guy G.

Review: Deeds.com was easy to use and their easement deed was exactly what I was looking for. I knew I didn't need to spend hundreds of dollars talking to an attorney.

Reply from Staff on March 22nd, 2023

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


March 21st, 2023

Name: Carolyn N.

Review: It worked! It was exactly what I needed and was easily understood.

Reply from Staff on March 21st, 2023

Thank you!


March 20th, 2023

Name: MARILYN I.

Review: Very pleased with your user friendly site.

Reply from Staff on March 20th, 2023

Thank you!


Name: Cathy S.

Review: Great forms! Repeat customer here, wouldn't go anywhere else.

Reply from Staff

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


Name: Gordon W.

Review: Nice forms but it sure would have been nice to be able to at least print the guide and the example so that I don't spend all of my time bouncing back and forth between windows on a laptop.

Reply from Staff

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


Name: Omar F.

Review: Great! Thank you!

Reply from Staff

Thank you!


Name: James B.

Review: Reliable and fast. A great assest.

Reply from Staff

Thank you!


Name: Michael S.

Review: Well designed easy to use system. Provided all instructions and updates required, as well as catching an extra form required by our county.

Reply from Staff

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


Name: Tawnya B.

Review: The document I needed and easy instructions!

Reply from Staff

Thank you!


Name: Joy Lynn W.

Review: Timely response and helpful....good job!

Reply from Staff

Thank you!


Name: Rebecca H.

Review: I thought the forms were reasonably priced, the instructions included in the packet were thorough, and the examples helpful. Thank you for the additional CDR forms too. I contacted the Recorder's office via email with a question and Jennifer Bowser answered promptly. Job well done! However, when I delivered the deed and Real Property Transfer Declaration to the Clerk's office in Lafayette, the clerk was unfamiliar with the Declaration document being submitted and it took some time to convince her to submit the form without charging the recording fee. She even tried to phone the recorder's office for clarification, but no one answered. There then was an additional form at that office that I had to complete called Recording Request/Transmittal Form. I would suggest including that form with instructions in your on-line packet to speed up the process when a Deed is delivered to the County Clerk's satellite office. I do not expect every clerk to know all the particulars of recording requirements but a little knowledge wouldn't hurt.

Reply from Staff

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


Name: Shelleen A.

Review: Very helpful.

Reply from Staff

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


Name: Linda R.

Review: I was happy to have my payment cancelled when no information was found. And I was given a link to contact the deed office directly.

Reply from Staff

Thank you!


Name: Alma S.

Review: I like the service very much, it's easy and fast, I'm really happy with the service.

Reply from Staff

Thank you!


Name: Donald P.

Review: I wish the quick claim dead would have had letterhead that said, State South Carolina.

Reply from Staff

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


Deeds.com Real Estate Deeds

Use of Deeds.com Legal Forms. On our Site we make available for use self-help "fill in the blank" forms. If you use a form on our Site, you explicitly agree to our Terms of Use. You understand and agree that your purchase and/or use of a form document is neither legal advice nor the practice of law, and that each form and any applicable instructions or guidance is not customized to your particular needs, not guaranteed or warranted to be current, up to date, or accurate.

NO WARRANTY. Do It Yourself Legal Forms available on our Website are not guaranteed to be usable, correct, up to date, or fit for any legal purpose. Use of any Do It Yourself Legal Form from our website is done so AT YOUR OWN RISK.

If you use any Do It Yourself Legal Form available on Deeds.com, you agree that: TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE BE LIABLE FOR DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR ANY SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES) ARISING OUT OF OR IN CONNECTION WITH THE LEGAL FORMS OR FOR ANY INFORMATION OR SERVICES PROVIDED TO YOU THROUGH THE DEEDS.COM WEBSITE. TO THE EXTENT THE FOREGOING LIMITATION OF LIABILITY IS PROHIBITED, OUR SOLE OBLIGATION TO YOU FOR DAMAGES WILL BE LIMITED TO $100.00.

Nothing on this website should be considered a substitute for the advice of an attorney.

© DEEDS.COM INC. 1997 - 2023 ALL RIGHTS RESERVED | (330) 606-0119 | P.O. Box 5264, Fairlawn, OH 44334