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:
- Bring your driver's license or state-issued photo ID
- Documents must be on 8.5 x 11 inch white paper
- Check margin requirements - usually 1-2 inches at top
- Request a receipt showing your recording numbers
- If mailing documents, use certified mail with return receipt
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.
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Stephen G.
January 15th, 2022
Well, we are 10 days from leaving the country for months and needed to notarize and record deed changes to our rental properties. We worried about USPS, UPS, DHL, etc. and hardcopies in the County's bureaucrats' hands. Soooo, we learned of Deeds.com from the County web site via one of the bulk digital recorders telling me about Deeds.com. Hit their site, read their instructions, concluded my tiny brain and decrepit abilities could handle the chore. WITHIN AN HOUR OF UPLOADING EVERYTHING INCLUDING C.C. FOR PMT IT WAS RECORDED AND I printed out copies. WORTH the $$ in speed, convenience and PEACE of mind. Pardon the loud trumpeting.
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December 29th, 2020
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April 24th, 2024
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April 1st, 2022
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Pamela G.
November 18th, 2020
I have an apple phone. I could not fill in the form to pay because apple phones do not have a dash that can be used when the field requires a phone number with a dash. I had to borrow an android phone in which the telephone keypad had a dash that could be used. It was easy to pay using an android phone but impossible to pay using an apple phone. Remove the requirement for dashes to allow apple phones to use this service.
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RHONDA G.
February 22nd, 2024
Was driven to this site by the county website. It took a bit of work having to create an account, etc. The example was useful; however the example only showed both parties in the same county, nor did the instructions mention anything about differing counties. This caused an oversight on my part.
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