Oscoda County Mortgage Secured by Promissory Note Form (Michigan)

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

Mortgage Form

Oscoda County Mortgage Form

Fill in the blank form formatted to comply with all recording and content requirements.
Included Oscoda County compliant document last validated/updated 10/4/2024

Mortgage Guidelines

Oscoda County Mortgage Guidelines

Line by line guide explaining every blank on the form.
Included Oscoda County compliant document last validated/updated 4/2/2024

Completed Example of the Mortgage Document

Oscoda County Completed Example of the Mortgage Document

Example of a properly completed form for reference.
Included Oscoda County compliant document last validated/updated 10/18/2024

Promissory Note Form

Oscoda County Promissory Note Form

Fill in the blank Form.
Included Oscoda County compliant document last validated/updated 8/16/2024

Promissory Note Guidelines

Oscoda County Promissory Note Guidelines

Line by line guide explaining every blank on the form.
Included Oscoda County compliant document last validated/updated 10/17/2024

Completed Example of the Promissory Note Document

Oscoda County Completed Example of the Promissory Note Document

This Promissory Note is filled in and highlighted, showing how the guideline information, can be interpreted into the document.
Included Oscoda County compliant document last validated/updated 10/15/2024

Annual Accounting Statement Form

Oscoda County Annual Accounting Statement Form

Mail to borrower for fiscal year reporting.
Included Oscoda County compliant document last validated/updated 8/27/2024

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

Oscoda County Register of Deeds

311 S Morenci Ave / PO Box 399, Mio, Michigan 48647

Hours: 8:30 to 4:30 Monday through Friday

Phone: (989) 826-1117 & 826-1116

Local jurisdictions located in Oscoda County include:

  • Comins
  • Fairview
  • Luzerne
  • Mio

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

Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Oscoda County including margin requirements, content requirements, font and font size requirements.

Can the Mortgage Secured by 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 Oscoda County that you need to transfer you would only need to order our forms once for all of your properties in Oscoda County.

What are supplemental forms?

Often when a deed is recorded, additional documents are required by Michigan or Oscoda 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 Oscoda County Mortgage Secured by 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.

This mortgage includes a power of sale clause and waiver of rights, saving time and expense in the case of a foreclosure.
Waiver of Rights. This Mortgage contains a power of sale that permits the Mortgagee/Lender to cause the Premises to be sold in the event of a default. Mortgagee/Lender may elect to cause the Premises to be sold by advertisement rather than pursuant to court action, and Mortgagor/Borrower voluntarily and knowingly waives any right Mortgagor/Borrower may have by virtue of any applicable constitutional provision or statute to any notice or court hearing before the exercise required by the Michigan statute governing foreclosures by advertisement.
In the event of default in any of the terms or covenants of this Mortgage, Mortgagee/Lender shall be entitled to all of the rights and benefits of MCL 554.231-.233, MSA 26.1137(1)-(3), and 1966 PA 151.

Use this mortgage to finance residential property, small commercial, condominiums, rental property, and planned unit developments even with an existing first mortgage on the subject property. A mortgage and promissory note that include stringent default terms can be beneficial to the Mortgagee/Lender.

Included is an annual accounting statement form
565.161 Annual statements to mortgagor; when required, contents.
Sec. 1.
Where, by the terms of a mortgage on real property, the mortgagor is required to make periodic payments which include sums to be allocated to an escrow account for the purpose of paying taxes, insurance or improvements to the property, or any combination of such purposes, the mortgagee or agent receiving the periodic payments shall furnish the mortgagor with a statement within 60 days of the close of the calendar year, showing the beginning balance of the escrow fund, total receipts received by the fund during the calendar year, an itemized statement of all expenditures from the fund during the calendar year and the balance in the fund at the end of the calendar year.

(Michigan Mortgage Package includes forms, guidelines, and completed examples) For use in Michigan only.

Our Promise

The documents you receive here will meet, or exceed, the Oscoda 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 Oscoda County Mortgage Secured by 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.

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November 1st, 2024

Very thorough with plenty of instructions. Nice to be able to fill in the forms on my computer at my own pace and edit if needed. Jim

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October 25th, 2024

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October 25th, 2024

Deeds.com is very precise, helpful and friendly. I found the form I needed without any effort and everything worked perfect and smooth. I recommend it 100%. rnThank you.

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Chrystal L.

February 25th, 2023

Excellent! Follow the prompts for easy access. Forms readily available. Thanks!

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Lynn S.

July 22nd, 2020

Great service. I did not have to put much thought into the process!!!
Worth the $15.00 extra!!

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SHERRILL B.

October 10th, 2024

I received prompt attention to the package I submitted. It was submitted promptly the recorders office with a quick turn around for the recorded document. Overall a very pleasant experience.

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Bill M.

March 10th, 2021

PROS: Quick communication. Completed the task expediently.

CONS: Deciphering what was being referred to on the website when needing the proper classification wasn't clear. Had to delve through your unfamiliar territory. But managed.

OVERALL: Got the job done swiftly and the end result was satisfactory. Will use again.

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Caroline K.

August 16th, 2019

SIMPLE, THAT IS GOOD

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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?

Reply from Staff

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.

Leticia A.

January 20th, 2020

Down to the point,covers every angle with great tips:Don't forget Probate.

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Lisa P.

March 17th, 2021

Wonderful forms. It's nice that they were formatted perfectly for my county, it's real easy to miss a requirement (margines, font size, and so on) and end up with a rejection or higher recording fee. Good job folks!

Reply from Staff

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Stephanie P.

January 11th, 2023

It was a seamless process, inexpensive, and probably saved me thousands by having an attorney draw this same form us. Highly recommend!

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Mary S.

February 14th, 2024

Very helpful and an easy site to use so far.

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Sherry G.

November 21st, 2020

This site was perfect in a time when travel is almost impossible. They asked a few questions to make sure everything would work out and once submitted took less than 24 hours. Less than 48 hours total time. Absolutely would use them again to submit documents even once can travel again!

Reply from Staff

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Thomas D.

April 30th, 2020

The documents themselves are fine and the information provided with them is helpful. I find the actual processing of the documents, however, to be difficult particularly once the document has been saved. First, I note that the box for the date only allows entry of the last 2 digits of the year. Unfortunately, my download only allows me to enter one of the 2 digits required. When I delete it repeatedly, it eventually allows both digits to be entered but puts them in extremely small text and in superscrypt. I have not found a solution to this problem and am not sure the deed can even be recorded with this problem.

Another problem is that if you try to revise the document after you have saved it the curser goes to the end of the line after each key entry. This means that there basically is no way to efficiently save the document for reworking later since you will have to delete everything you have entered in the text box unless you only need to make a single keystroke change or are willing to replace the curser after each entry. Try that with a long property description!

Please note that I am using a Mac to prepare my documents and perhaps this is part of an "incompatibility problem". However, I didn't see a disclaimer regarding Mac use and so would expect the documents to perform correctly. Overall, I give the program a "2 star" rating because I am experiencing significant difficulties in entering dates in the documents even before saving them and because saving your work for later revision appears to be basically unworkable.













Reply from Staff

Thank you for your feedback Thomas, we appreciate you being specific about the issues you encountered. Adobe and Mac have a fairly long history of issues working together.