Wirt County Deed of Trust and Promissory Note Forms (West Virginia)

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Form Package

Deed of Trust and Promissory Note

State

West Virginia

Area

Wirt County

Price

$27.97

Delivery

Immediate Download

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Included Forms

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

Deed of Trust Form

Deed of Trust Form

Fill in the blank form formatted to comply with all recording and content requirements.
Included document last reviewed/updated 11/7/2023

Deed of Trust Guidelines

Deed of Trust Guidelines

Line by line guide explaining every blank on the form.
Included document last reviewed/updated 7/11/2023

Completed Example of the Deed of Trust Document

Completed Example of the Deed of Trust Document

Example of a properly completed form for reference.
Included document last reviewed/updated 11/15/2023

Promissory Note Form

Promissory Note Form

Note that is secured by the Deed of Trust.
Included document last reviewed/updated 9/12/2023

Promissory Note Guidelines

Promissory Note Guidelines

Line by line guide explaining every blank on the form.
Included document last reviewed/updated 8/23/2023

Completed Example of the Promissory Note Document

Completed Example of the Promissory Note Document

Example of a properly completed form for reference.
Included document last reviewed/updated 10/10/2023

Subordination Agreements

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.
Included document last reviewed/updated 10/31/2023

Annual Accounting Statement

Annual Accounting Statement

Mail to borrower for fiscal year reporting.
Included document last reviewed/updated 10/9/2023

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 or Wirt 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 Wirt 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 Wirt 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 Wirt County that you need to transfer you would only need to order our forms once for all of your properties in Wirt County.

Are these forms guaranteed to be recordable in Wirt County?

Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Wirt 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:

  • Wirt County

Including:

  • Brohard
  • Creston
  • Elizabeth
  • Palestine

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 Wirt 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 Wirt 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.

Reviews

4.8 out of 5 (4214 Reviews)

Narcedalia G.

December 4th, 2023

Easy to use quick responses with accurate information and great customer service. No need to say more!

Reply from Staff

Your feedback is greatly appreciated. Thank you for taking the time to share your experience!

Sue C.

December 1st, 2023

Very helpful. Easy to use. Able to avoid the cost of having an attorney prepare the document I needed.

Reply from Staff

Your appreciative words mean the world to us. Thank you and we look forward to serving you again!

Mark C.

November 29th, 2023

WOW! I am so pleased the County Registrar’s office recommended Deeds.com. From start to a very quick finish Deeds.com worked to ensure my documents were correct and they immediately filed them. The Warranty Deed was accepted by the County and registered within a hour. Deeds.com’s communication was superb. I will use this handy resource every time I am in need.

Reply from Staff

Your feedback is greatly appreciated. Thank you for taking the time to share your experience!

Michael V.

April 30th, 2020

Exactly what I needed and VERY fair price. I paid $19.97 for what a local attorney wanted $200 to do. I filled out the form using the line by line guide and filed it at the court house today. Absolutely no problems.

Reply from Staff

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

Jesse S.

January 2nd, 2020

I am excited for your service. I'm counting on this working-and calling to see if I can e-file with the County of dealing with, and if so, your service will have saved me more years of stress, worrying about how to correct a deed that was titled incorrectly.

Reply from Staff

Thank you!

Patricia S.

August 3rd, 2022

The forms was easy to use and the guides was helpful

Reply from Staff

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

A. S.

February 27th, 2019

First, I am glad that you gave a blank copy, an example copy, and a 'guide'. It made it much easier to do. Overall I was very happy with your products and organization... however, things got pretty confusing and I have a pretty 'serious' law background in Real Estate and Civil law. With that said, I spent about 10+ hours getting my work done, using the Deed of Trust and Promissory note from you and there were a few problems: First, it would be FANTASTIC if you actually aligned your guide to actually match the Deed or Promissory Note. What I mean is that if the Deed says 'section (E)' then your guide shouldn't be 'randomly' numbered as 1,2,3, for advice/instructions, but should EXACTLY match 'section (E)'. Some places you have to 'hunt' for what you are looking for, and if you did it based on my suggestion, you wouldn't need to 'hunt' and it would avoid confusion. 2nd: This one really 'hurt'... you had something called the 'Deed of Trust Master Form' yet you had basically no information on what it was or how to use it. The only information you had was a small section at the top of the 'Short Form Deed of Trust Guide'. Holy Cow, was that 'section' super confusing. I still don't know if I did it correctly, but your guide says only put a return address on it and leave the rest of the 16 or so page Deed of Trust beneath it blank... and then include your 'Deed of Trust' (I had to assume the short form deed that I had just created) as part of it. I had to assume that I had to print off the entire 17 page or so title page and blank deed. I also had to assume that the promissory note was supposed to be EXHIBIT A or B on the Short Form Deed. It would be great if someone would take a serious look at that short section in your 'Short Form Deed of Trust Guide' and realize that those of us using your products are seriously turning this into a county clerk to file and that most of us, probably already have a property that has an existing Deed... or at least can find one in the county records if necessary... and make sure that you make a distinction between the Deed for the property that already exists, versus the Deed of Trust and Promissory note that we are trying to file. Thanks.

Reply from Staff

Thank you for your feedback. We'll have staff review the document for clarity. Have a great day!

Thomas G.

March 16th, 2020

A few parts are confusing'.Like sending Tax statements to WHO ?/ The rest is simple I hope.Have not tried to record yet

Reply from Staff

Thank you!

Duane R.

May 12th, 2019

Your site was very easy to use and provided all the information needed.

Reply from Staff

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

Jeffry C.

October 19th, 2020

Deeds.com has been a lifesaver for my house buying business. Excellent support!

Reply from Staff

Thank you Jeffry, glad we could help.

Brett T.

July 22nd, 2022

Where have you been my whole life. I will join if I can afford it. Do you have a form for a Private Family Trust Company ....Irrevocable Trust ...Revocable Trust.....send me an email so I will have contact info.

Reply from Staff

Thank you!

Sallie L.

July 7th, 2021

Easy, information given was very helpful!

Reply from Staff

Thank you!

Dina B.

February 6th, 2021

The web cite is very easy to navigate through making a document process simple to obtain.

Reply from Staff

Thank you!

Donald T.

February 6th, 2020

very user friendly. includes an example you can reference, and explanation of terms, which helps greatly in understanding.

Reply from Staff

Thank you!

Linda D C.

August 26th, 2021

This was so easy to use. I appreciated the finished sample to guide me and the proper attachments necessary to process my Quit Claim Deed. I am gifting it to my nephew as I am too old to run farm and I live in a different state now. I tried other websites but their info was not up to date or accurate. Thank you so much. 71 Y/O Nana.

Reply from Staff

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