Henry County Mortgage Form (Alabama)
All Henry County specific forms and documents listed below are included in your immediate download package:
Mortgage Form
Fill in the blank form formatted to comply with all recording and content requirements.
Included Henry County compliant document last validated/updated 11/22/2024
Mortgage Guidelines
Line by line guide explaining every blank on the form.
Included Henry County compliant document last validated/updated 12/3/2024
Completed Example of the Mortgage Document
Example of a properly completed form for reference.
Included Henry County compliant document last validated/updated 12/10/2024
Promissory Note Form
Note that is secured by the Mortgage. Can be used for traditional installments or balloon payment.
Included Henry County compliant document last validated/updated 11/25/2024
Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Included Henry County compliant document last validated/updated 12/18/2024
Completed Example of the Promissory Note Document
Example of a properly completed form for reference.
Included Henry County compliant document last validated/updated 11/13/2024
Annual Accounting Statement Form
Mail to borrower for fiscal year reporting.
Included Henry County compliant document last validated/updated 10/4/2024
The following Alabama and Henry County supplemental forms are included as a courtesy with your order:
When using these Mortgage forms, the subject real estate must be physically located in Henry County. The executed documents should then be recorded in one of the following offices:
Henry County Courthouse
101 Court Sq, Suite A, Abbeville, Alabama 36310
Hours: 8:00am to 4:30pm M-F
Phone: (334) 585-3257
Headland Municipal Complex
25 Grove St, South Headland, Alabama 36345
Hours: Thursdays only 8:30 to 3:00
Phone: Call main office
Local jurisdictions located in Henry County include:
- Abbeville
- Clopton
- Headland
- Newville
- Shorterville
How long does it take to get my forms?
Forms are available immediately after submitting payment.
How do I get my forms, are they emailed?
Immediately after you submit payment, the Henry County forms you order will be available for download directly from your account. You can then download the forms to your computer. If you do not already have an account, one will be created for you as part of the order process, and your login details will be provided to you. If you encounter any issues accessing your forms, please reach out to our support team for assistance. Forms are NOT emailed to you.
What does "validated/updated" mean?
This indicates the most recent date when at least one of the following occurred:
- Updated: The document was updated or changed to remain compliant.
- Validated: The document was examined by an attorney or staff, or it was successfully recorded in Henry County using our eRecording service.
Are these forms guaranteed to be recordable in Henry County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Henry County including margin requirements, content requirements, font and font size requirements.
Can the Mortgage 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 Henry County that you need to transfer you would only need to order our forms once for all of your properties in Henry County.
What are supplemental forms?
Often when a deed is recorded, additional documents are required by Alabama or Henry 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.
What type of files are the forms?
All of our Henry County Mortgage 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.
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.
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.
Are there any recurring fees involved?
No. Nothing to cancel, no memberships, no recurring fees.
The short definition of a mortgage is that it's a loan used to purchase real property. In Alabama, the mortgage is comprised of two parts: the security instrument and the promissory note. A security instrument is a specific type of document that provides security for the lender and contains terms (agreements) that apply until the buyer (borrower) repays the lender according to terms defined in an attached promissory note.
While the lender holds legal title to the property during this time, the borrower holds equitable title, which means they may occupy the property as if they hold legal title, but until the loan has been repaid, the lender actually owns it. This is because mortgages involve a lien against the property, held as security, that ends when the debt is repaid, and the owner assumes legal title (after recording a release of mortgage).
The buyer must also complete a promissory note. A promissory note is a negotiable instrument that contains an unconditional written promise, signed by the borrower, to repay the lender or its designated agent. It defines the amount and specific terms of the loan between the borrower and the lender and must be completed at the same time as the security instrument. Many lenders retain the promissory note for the duration of the mortgage and return it to the borrower after the debt is repaid.
The Code of Alabama sets forth the rules for mortgages in that state at Title 35 Section 10 but does not provide a statutory form for security instruments. A typical mortgage includes the names of all borrowers (and their spouses, if applicable), information about the lending institution, the date the borrower signed the promissory note, the property county and address, and a legal description of the property. The borrower must indicate if the security instrument includes any riders, or attachments that amend or supplement a document.
The mortgage must be signed by each borrower and acknowledged by an authorized individual. Alabama requires spouses' signatures for mortgages of single-family owner-occupied dwellings ("homestead mortgages"), even if they are not borrowers (Ala. Code Sec. 6-10-3). A homestead is defined in Alabama as a single-family owner-occupied dwelling.
Security instruments must meet standards of form and content for recording documents relating to real property. Record the completed mortgage at the local probate office.
Secured Promissory Notes in Alabama
At the same time the buyer fills out the mortgage form, they must also complete a promissory note. A promissory note is a negotiable instrument that contains an unconditional written promise, signed by the borrower, to repay the lender or its designated agent. It defines the amount and specific terms of the loan between the borrower and the lender.
Promissory notes can be secured or unsecured. Unsecured notes set forth the terms and conditions associated with repayment, but there is no mention of collateral to protect the lender's interest. These are more common with personal property. Mortgages, which are real property transactions, use secured promissory notes. The borrower offers the property as security (collateral) to guarantee the loan and agrees that a failure to repay the loan could cause the lender to foreclose on it.
The borrower must complete a promissory note, but it is rarely recorded with the mortgage. Many lenders retain the note for the duration of the mortgage and return it to the borrower after the debt is repaid. If the situation demands a recorded promissory note, ensure that it meets all state and local standards for submitting documents.
Use these forms to finance residential property, condominiums, planned unit developments, vacant land, small commercial and rental property up to 4 units (more than 4 units add our "Assignment of Rents and Leases" form). This mortgage contains a power of sale clause, allowing for a non-judicial foreclosure, saving time and expense for the lender. A Promissory Note secured by a Mortgage that include stringent default terms can be beneficial to the lender.
Section 35-10-1 - Power of Sale Constitutes Part of Security; by Whom Executed; Effect of Conveyance; Index of Foreclosure Deeds. Where a power to sell lands is given to the grantee in any mortgage, or other conveyance intended to secure the payment of money, the power is part of the security, and may be executed by any person, or the personal representative of any person who, by assignment or otherwise, becomes entitled to the money thus secured; and a conveyance of the lands sold under such power of sale to the purchaser at the sale, executed by the mortgagee, any assignee or other person entitled to the money thus secured, his agent or attorney, or the auctioneer making the sale, vests the legal title thereto in such purchaser. Probate judges shall index foreclosure deeds by the names of the original grantor and grantee in the mortgage, and also by the names of the grantor and grantee in the foreclosure deeds.
This article is provided for informational purposes only and is not a substitute for the advice of an attorney.
(Alabama Mortgage Package includes forms, guidelines, and completed examples) For use in Alabama only.
Our Promise
The documents you receive here will meet, or exceed, the Henry County recording requirements for formatting. If there's an issue caused by our formatting, we'll make it right and refund your payment.
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Get your Henry County Mortgage 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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December 22nd, 2024
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December 22nd, 2024
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May 18th, 2023
Look great and I thought my daughter wanted me to buy, but she had already bought the package so didn't need it.
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March 12th, 2021
Well designed easy to use system. Provided all instructions and updates required, as well as catching an extra form required by our county.
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October 14th, 2020
Fast and easy and saved me $240. What's not to like? Five stars.
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November 5th, 2019
Site was easy to understand and use. Service was prompt. Good job Montgomery County!
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July 31st, 2019
Your website is very easy to use. No problem downloading the forms.
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Sheryl C.
July 28th, 2021
Very Very helpful easy to navigate the guides and examples were great and informative. Great to have will be using for future transactions.
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Todd W.
September 3rd, 2020
Communication is hard. The reps need to be empowered and encouraged to call the customers when necessary. They encourage 300 dpi resolution and under 2 MB PDF file, which is not even possible with our scanner. They made a vague comment about a legal description looking abbreviated but did not explain. They refused to call me. They said the county said "Image is light please darken", but the image looked fine to me. Maybe not their fault, but they refused to help work with the county on that for me. I followed their suggestion though and re-scanned at 300 dpi, but they misunderstood me and did not re-submit it right away. Over 48 hours later, it's still not recorded yet. I hope it will be today.
Thank you for your feedback Todd.
Jayne S.
August 24th, 2023
Very prompt and excellent service!
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Mary H.
July 27th, 2022
Great source for forms acceptable to the county.
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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.
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March 3rd, 2020
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June 15th, 2021
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