Russell County Mortgage Form (Alabama)

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

Mortgage Form

Russell County Mortgage Form

Fill in the blank form formatted to comply with all recording and content requirements.
Included Russell County compliant document last validated/updated 11/22/2024

Mortgage Guidelines

Russell County Mortgage Guidelines

Line by line guide explaining every blank on the form.
Included Russell County compliant document last validated/updated 12/3/2024

Completed Example of the Mortgage Document

Russell County Completed Example of the Mortgage Document

Example of a properly completed form for reference.
Included Russell County compliant document last validated/updated 12/10/2024

Promissory Note Form

Russell County Promissory Note Form

Note that is secured by the Mortgage. Can be used for traditional installments or balloon payment.
Included Russell County compliant document last validated/updated 11/25/2024

Promissory Note Guidelines

Russell County Promissory Note Guidelines

Line by line guide explaining every blank on the form.
Included Russell County compliant document last validated/updated 12/18/2024

Completed Example of the Promissory Note Document

Russell County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.
Included Russell County compliant document last validated/updated 11/13/2024

Annual Accounting Statement Form

Russell County Annual Accounting Statement Form

Mail to borrower for fiscal year reporting.
Included Russell County compliant document last validated/updated 10/4/2024

When using these Mortgage forms, the subject real estate must be physically located in Russell County. The executed documents should then be recorded in the following office:

Probate Office

County Courthouse, 1st floor - 1000 Broad St / PO Box 700, Phenix City, Alabama 36867

Hours: 8:30 to 4:45 M-F

Phone: (334) 298-7979

Local jurisdictions located in Russell County include:

  • Cottonton
  • Fort Mitchell
  • Hatchechubbee
  • Holy Trinity
  • Hurtsboro
  • Phenix City
  • Pittsview
  • Seale

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 Russell 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 Russell County using our eRecording service.
Are these forms guaranteed to be recordable in Russell County?

Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Russell 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 Russell County that you need to transfer you would only need to order our forms once for all of your properties in Russell County.

What are supplemental forms?

Often when a deed is recorded, additional documents are required by Alabama or Russell 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 Russell 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 Russell 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 Russell 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.

4.8 out of 5 - ( 4448 Reviews )

Dorothy N.

December 22nd, 2024

The mortgage and note were thorough and very satisfactory for my purposes. The accompanying forms were excellent. I am very pleased with my purchase.

Reply from Staff

We welcome your positive feedback and are thrilled to have met your expectations. Thank you for choosing our services.

Edward E.

December 22nd, 2024

Easy to use.

Reply from Staff

Your feedback is valuable to us and helps us improve. Thank you for sharing your thoughts!

MARISSA G.

December 22nd, 2024

I recomemed this webside

Reply from Staff

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

JAMSHEAD T.

December 13th, 2020

An excellent service. Exactly what one would hope for in the 21st century.

Reply from Staff

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

Denise B.

May 10th, 2019

I highly recommend Deeds.com to be your go-to search website. I was able to get the information that I needed.

Reply from Staff

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

Dale Mary G.

July 14th, 2020

This was an easy site to use - saving so much time and allowing me to complete what I needed to do. All the added information, guidelines and even a sample completed form. Great!

Reply from Staff

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

Daniel Z.

August 23rd, 2019

I am satisfied with the service. Live in another state and could not go directly to the county office for my deed. Your service solved my problem.
Thank you

Reply from Staff

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

Zachary F.

February 1st, 2022

I am a lawyer and purchased a specialized type of deed for a special scenario. The product received was functional, but not great. Wording is slightly clunky and the form layout was not convenient for making a professional final product. The wording also didn't contemplate a remote-state probate, which is a common scenario. Something about the PDF prevented me from doing cut and paste, so I had to do OCR to get the relevant text for inserting in my existing draft deed. Finally, while the site claims it is customized for the exact state and county, it does not appear to be well-customized for that purpose and I had to use other language (not sourced from the deeds.com document) to meet local norms.

Reply from Staff

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

Ed S.

October 1st, 2021

This is the first time that I have used this service. An employee at the Clerk and Register office in Arizona suggested that I try Deeds.com to find the form I needed and the county office could not provide. I am a licensed Realtor in Colorado with a 43-year career and this service has not been necessary in my own state but it was extremely helpful in finding a form in Arizona. Five star rating for the very user-friendly website!

Reply from Staff

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

Spencer A.

January 25th, 2019

Deeds.com made it so easy to file my paper work with the county. It saved me half a days travel and cost me about a tank of gas. This service was well worth the saved travel time and energy. I would highly recommend this service to other individuals. The other companies I spoke with only service law firms, title companies & banks etc. Thanks deed.com, I'll be back and will refer all my friends too.

Reply from Staff

Thank you so much Spencer, we really appreciate your feedback!

Deborah B.

September 30th, 2021

I was skeptical after experiencing other websites. However not only did we get the form we needed for a fraction of the cost vs going to an attorney, the additional resources (guides and samples) made the completion of the Enhanced Life Quitclaim deed quite simple, quick, and painless. We were having difficulty getting my mom to agree to meeting with an attorney or even considering a Lady Bird deed. Deeds.com gave us the ability to move forward with necessary actions with family members walking my mom through the steps, explaining the process and giving her plenty of time to find the needed information. She became part of the process which made it easy for her at a time when decision making was hard. We did everything in the comfort of her own home. I can't think of a better experience or service and I would consider Deeds.com for future needs.

Reply from Staff

Thank you for the kinds words Deborah. We appreciate you taking the time to share your experience.

Desiree D.

April 10th, 2024

This service is so good, quick, reasonably priced! I would use Deeds.com again!

Reply from Staff

We deeply appreciate the trust you have placed in our services. Thank you for your valuable feedback and for choosing us.

Gabriel R.

August 24th, 2022

So far the service seems good, simple to use. One criticism, the password change feature should require the user to re-enter their old password, new password, and re-enter the new password to make sure there is no typos. Thanks.

Reply from Staff

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

Kent B.

February 25th, 2019

Disappointed on most recent order. Format did not permit changing the "boilerplate" language to change "grantor" to "grantors". In so restricting, could not use pre-printed form to make a joint party conveyance.

Reply from Staff

Sorry to hear of your disappointment. We've canceled your order and payment for the warranty deed document. Have a wonderful day.

Dallas S.

July 19th, 2023

Very easy

Reply from Staff

Thank you!