Talladega County Mortgage Form (Alabama)
All Talladega 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 Talladega County compliant document last validated/updated 9/30/2024
Mortgage Guidelines
Line by line guide explaining every blank on the form.
Included Talladega County compliant document last validated/updated 10/28/2024
Completed Example of the Mortgage Document
Example of a properly completed form for reference.
Included Talladega County compliant document last validated/updated 7/29/2024
Promissory Note Form
Note that is secured by the Mortgage. Can be used for traditional installments or balloon payment.
Included Talladega County compliant document last validated/updated 9/24/2024
Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Included Talladega County compliant document last validated/updated 10/17/2024
Completed Example of the Promissory Note Document
Example of a properly completed form for reference.
Included Talladega County compliant document last validated/updated 11/13/2024
Annual Accounting Statement Form
Mail to borrower for fiscal year reporting.
Included Talladega County compliant document last validated/updated 10/4/2024
The following Alabama and Talladega 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 Talladega County. The executed documents should then be recorded in one of the following offices:
Probate Main Office
Courthouse - 1 Court Square, First Floor / PO Box 747, Talladega, Alabama 35160
Hours: 8:00 to 5:00 M-F
Phone: (256) 362-4175
Sylacauga Annex
400 N Norton Ave, Sylacauga, Alabama 35150
Hours: 8:00 - 5:00 M-F
Phone: 256-245-1453
Local jurisdictions located in Talladega County include:
- Alpine
- Bon Air
- Childersburg
- Lincoln
- Munford
- Sycamore
- Sylacauga
- Talladega
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 Talladega 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 Talladega County using our eRecording service.
Are these forms guaranteed to be recordable in Talladega County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Talladega 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 Talladega County that you need to transfer you would only need to order our forms once for all of your properties in Talladega County.
What are supplemental forms?
Often when a deed is recorded, additional documents are required by Alabama or Talladega 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 Talladega 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 Talladega 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 Talladega 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 - ( 4434 Reviews )
James S.
November 21st, 2024
Forms used, created quitclaim deed that the county accepted without a second look (turns out they see deeds.com forms regularly via erecording and in person). Will be back for any real estate related forms I need and they carry. Will always be my first stop. Also, will use erecording next time, mad I didn't see it this time.
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Thomas G.
November 21st, 2024
Wasn’t what I expected
Sorry to hear that your expectations were missed. Your order has been canceled. We do hope that you find something more suitable to your expectations elsewhere. Do keep in mind that purchasing legal forms should not be an exploratory endeavor.
Jimmy P.
November 20th, 2024
They sent me everything I would need to do this. Easy purchase -Easy download. Great!! I'll be back here for all my document needs.
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Susan A.
April 23rd, 2021
The warranty deed form, the explanation and the example were well worth the price, as they gave me more confidence I was filling the deed out correctly. I cross referenced all of it with the county registrars website and the previous warranty deed.
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Rebecca Q.
January 19th, 2019
Very helpful! Unfortunately, they didn't have what I needed, but they got back to me quickly and didn't charge me anything. Easy to work with.
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Robert S B.
May 22nd, 2019
I would not have ordered this form had I realised how limited the fields are for details. There is no room for elaboration of terms. The language only allows one grantor and one grantee, and the gender and quantity default construction is a poor choice. Be basic, but leave room for more.
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Stephanie G.
February 28th, 2019
Wonderful. Easier to fill out this form than I thought it would be.
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Tanya H.
July 21st, 2020
Could not be happier with deeds.com forms. The guide helped more than one can imagine, great resource.
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January 30th, 2021
Very good service, friendly customer service
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Dora O.
August 27th, 2024
Best platform to buy forms. Simple and easy.
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Joseph D.
November 14th, 2024
Easy to use and a quick turnaround rnDeed was recorded and retuned within 24 hours
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ralph m.
March 1st, 2019
Overall the experience was pleasant and the services were delivered In a timely fashion
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Walter K.
November 24th, 2021
Works ok but could have more specific information. My wife and I both own the Quit Claim property, should we both sign as Grantors?
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Duncan M.
January 24th, 2019
Forms are fine, but the inability to download a completed form is not. Nor is the ability to convert to another format. Everytime I went to download, the form erased. I didn't have a printer available, so everything I did was to waste.
Thank you for your feedback Duncan. The blank forms should be downloaded first and then completed on your computer.
Lauren D.
May 13th, 2019
Prompt and helpful
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