Ritchie County Deed of Trust and Promissory Note Form

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

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

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

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

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

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

Ritchie 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.

Ritchie County Annual Accounting Statement
Mail to borrower for fiscal year reporting.
All 8 documents above included • One-time purchase • No recurring fees
Immediate Download • Secure Checkout
Additional West Virginia and Ritchie County documents included at no extra charge:
Where to Record Your Documents
Ritchie County Clerk
Harrisville, West Virginia 26362
Hours: 8:00 to 4:00 M-F
Phone: (304) 643-2164 Ext 221
Recording Tips for Ritchie County:
- Ensure all signatures are in blue or black ink
- White-out or correction fluid may cause rejection
- Avoid the last business day of the month when possible
- Ask about their eRecording option for future transactions
- Make copies of your documents before recording - keep originals safe
Cities and Jurisdictions in Ritchie County
Properties in any of these areas use Ritchie County forms:
- Auburn
- Berea
- Cairo
- Ellenboro
- Harrisville
- Macfarlan
- Pennsboro
- Petroleum
- Pullman
- Smithville
Hours, fees, requirements, and more for Ritchie County
How do I get my forms?
Forms are available for immediate download after payment. The Ritchie 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 Ritchie County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Ritchie 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 Ritchie 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 Ritchie County?
Recording fees in Ritchie County vary. Contact the recorder's office at (304) 643-2164 Ext 221 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 Ritchie 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 Ritchie County.
Our Promise
The documents you receive here will meet, or exceed, the Ritchie 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 Ritchie 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 - ( 4581 Reviews )
Felicia T.
May 30th, 2023
Great service with all the added resources on the form I requested. Question: How long do the forms stay available on my account?
Thanks for the feedback Felicia. Our goal is to keep the documents available in your account indefinitely. It's a good idea to download the documents and store them yourself just in case.
Ira S.
June 8th, 2022
Hi, 1. I need a password to be able to copy and paste from the deed. 2. It would be more convenient if all documents could be downloaded together. Ira
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Kathyren O.
April 25th, 2019
Very helpful and I will be using your services in the near future. Thank you Kathyren Oleary
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July 28th, 2020
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May 22nd, 2019
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October 31st, 2019
I needed a Contest of Lien form and was told by our County Department that the forms could be obtained online. The whole process of paying and receiving a PDF re-usable form was user friendly and the items that came with the purchase;the directions about filling out the form ect., were a fantastic addition for the price of the document. Happy customer!
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January 22nd, 2024
This is my fourth try, and I hope my form is complete and acceptable.
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August 14th, 2019
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June 17th, 2020
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October 9th, 2024
I followed the instructions to download the form for my Mac, typed in the legal description of the real property but the space provided for it would not expand so I just typed the form into Word as a document. While I appreciate having the form to work with it would have been a breeze if it worked properly.
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September 11th, 2019
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Donald C.
August 7th, 2020
As promised, my forms were immediately ready for download. The forms were exactly what i wanted. I couldnt be happier and i cant even guess how much money i saved. They were even formatted to the exact font, spacing and margin used by my county. It is obvious a lot of time and effort was put into the preparation of these documents. They are absolutely perfect. Check it out, you wont be disappointed and the price is much less than i expected. Don caldwell
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Jane R.
November 17th, 2019
Forms were easy to complete and print.
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Julie S.
April 3rd, 2020
My county clerks office referred me to this website and I am so glad she did. This site is very easy to use, they do NOT try to sell you other things you don't need (or want) nor do they make you sign up for anything. Pick what you need and whalaa - there for you in seconds. Thank you so much - will use again should the need arise. JS
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Kathleen Z.
April 22nd, 2019
Very simple. By creating the deed and filing it myself, I am saving a legal fee of $300!
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