Worcester County Mortgage Deed and Promissory Note Form (Massachusetts)
All Worcester 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 Worcester County compliant document last validated/updated 10/4/2024
Mortgage Deed Guide
Line by line guide explaining every blank on the form.
Included Worcester County compliant document last validated/updated 10/28/2024
Completed Example of the Mortgage Deed Document
Example of a properly completed form for reference.
Included Worcester County compliant document last validated/updated 11/27/2024
Promissory Note Form
Note that is secured by the Mortgage.
Included Worcester County compliant document last validated/updated 11/20/2024
Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Included Worcester County compliant document last validated/updated 10/23/2024
Completed Example of the Promissory Note Document
Example of a properly completed form for reference.
Included Worcester County compliant document last validated/updated 12/9/2024
Annual Accounting Statement Form
Mail to borrower for fiscal year reporting.
Included Worcester County compliant document last validated/updated 11/25/2024
The following Massachusetts and Worcester County supplemental forms are included as a courtesy with your order:
When using these Mortgage Deed and Promissory Note forms, the subject real estate must be physically located in Worcester County. The executed documents should then be recorded in one of the following offices:
Worcester District Registry of Deeds
90 Front St, Worcester, Massachusetts 01608
Hours: 9:00am to 4:00 pm M-F
Phone: (508) 798-7717
Worcester Northern District Registry of Deeds
Putnam Place - 166 Boulder Dr, Suite 202, Fitchburg, Massachusetts 01420
Hours: 8:30 to 4:30 M-F / Recording until 4:00
Phone: (978) 342-2132
Local jurisdictions located in Worcester County include:
- Ashburnham
- Athol
- Auburn
- Baldwinville
- Barre
- Berlin
- Blackstone
- Bolton
- Boylston
- Brookfield
- Charlton
- Charlton City
- Charlton Depot
- Cherry Valley
- Clinton
- Douglas
- Dudley
- East Brookfield
- East Princeton
- East Templeton
- Fayville
- Fiskdale
- Fitchburg
- Gardner
- Gilbertville
- Grafton
- Hardwick
- Harvard
- Holden
- Hopedale
- Hubbardston
- Jefferson
- Lancaster
- Leicester
- Leominster
- Linwood
- Lunenburg
- Manchaug
- Mendon
- Milford
- Millbury
- Millville
- New Braintree
- North Brookfield
- North Grafton
- North Oxford
- North Uxbridge
- Northborough
- Northbridge
- Oakham
- Oxford
- Paxton
- Petersham
- Princeton
- Rochdale
- Royalston
- Rutland
- Shrewsbury
- South Barre
- South Grafton
- South Lancaster
- Southborough
- Southbridge
- Spencer
- Sterling
- Still River
- Sturbridge
- Sutton
- Templeton
- Upton
- Uxbridge
- Warren
- Webster
- West Boylston
- West Brookfield
- West Millbury
- West Warren
- Westborough
- Westminster
- Wheelwright
- Whitinsville
- Winchendon
- Winchendon Springs
- Worcester
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 Worcester 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 Worcester County using our eRecording service.
Are these forms guaranteed to be recordable in Worcester County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Worcester County including margin requirements, content requirements, font and font size requirements.
Can the Mortgage Deed 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 Worcester County that you need to transfer you would only need to order our forms once for all of your properties in Worcester County.
What are supplemental forms?
Often when a deed is recorded, additional documents are required by Massachusetts or Worcester 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 Worcester County Mortgage Deed 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.
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.
Use this form for financing real property- residential, rental units, condominiums, vacant land, small commercial and planned unit developments. A mortgage deed has full force and effect when it includes:
''Mortgage covenants''
(In a conveyance of real estate the words ''mortgage covenants'' shall have the full force, meaning and effect of the following words, and shall be applied and construed accordingly: ''The mortgagor, for himself, his heirs, executors, administrators and successors, covenants with the mortgagee and his heirs, successors and assigns, that he is lawfully seized in fee simple of the granted premises; that they are free from all encumbrances; that the mortgagor has good right to sell and convey the same; and that he will, and his heirs, executors, administrators and successors shall, warrant and defend the same to the mortgagee and his heirs, successors and assigns forever against the lawful claims and demands of all persons; and that the mortgagor and his heirs, successors or assigns, in case a sale shall be made under the power of sale, will, upon request, execute, acknowledge and deliver to the purchaser or purchasers a deed or deeds of release confirming such sale; and that the mortgagee and his heirs, executors, administrators, successors and assigns are appointed and constituted the attorney or attorneys irrevocable of the said mortgagor to execute and deliver to the said purchaser a full transfer of all policies of insurance on the buildings upon the land covered by the mortgage at the time of such sale''.) (General Laws Part II Title I Chapter 183, Section 19)
(CONDITION.)
(Provided, nevertheless, except as otherwise specifically stated in the mortgage, that if the mortgagor, or his heirs, executors, administrators, successors or assigns shall pay unto the mortgagee or his executors, administrators or assigns the principal and interest secured by the mortgage, and shall perform any obligation secured at the time provided in the note, mortgage or other instrument or any extension thereof, and shall perform the condition of any prior mortgage, and until such payment and performance shall pay when due and payable all taxes, charges and assessments to whomsoever and whenever laid or assessed, whether on the mortgaged premises or on any interest therein or on the debt or obligation secured thereby; shall keep the buildings on said premises insured against fire in a sum not less than the amount secured by the mortgage or as otherwise provided therein for insurance for the benefit of the mortgagee and his executors, administrators and assigns, in such form and at such insurance offices as they shall approve, and, at least two days before the expiration of any policy on said premises, shall deliver to him or them a new and sufficient policy to take the place of the one so expiring, and shall not commit or suffer any strip or waste of the mortgaged premises or any breach of any covenant contained in the mortgage or in any prior mortgage, then the mortgage deed, as also the mortgage note or notes, shall be void.) (General Laws Part II Title I Chapter 183, Section 20)
(POWER.)
(But upon any default in the performance or observance of the foregoing or other condition, the mortgagee or his executors, administrators, successors or assigns may sell the mortgaged premises or such portion thereof as may remain subject to the mortgage in case of any partial release thereof, either as a whole or in parcels, together with all improvements that may be thereon, by public auction on or near the premises then subject to the mortgage, or, if more than one parcel is then subject thereto, on or near one of said parcels, or at such place as may be designated for that purpose in the mortgage, first complying with the terms of the mortgage and with the statutes relating to the foreclosure of mortgages by the exercise of a power of sale, and may convey the same by proper deed or deeds to the purchaser or purchasers absolutely and in fee simple; and such sale shall forever bar the mortgagor and all persons claiming under him from all right and interest in the mortgaged premises, whether at law or in equity.) (General Laws Part II Title I Chapter 183, Section 21)
A mortgage deed with statutory power of sale and a promissory note with stringent default terms can be beneficial to the lender.
(Massachusetts Mortgage Package includes forms, guidelines, and completed examples) For use in Massachusetts only.
Our Promise
The documents you receive here will meet, or exceed, the Worcester 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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March 23rd, 2021
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