Otsego County Mortgage and Promissory Note Form (New York)
All Otsego 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 Otsego County compliant document last validated/updated 9/5/2024
Mortgage Guidelines
Line by line guide explaining every blank on the form.
Included Otsego County compliant document last validated/updated 11/6/2024
Completed Example of the Mortgage Document
Example of a properly completed form for reference.
Included Otsego County compliant document last validated/updated 10/11/2024
Promissory Note Form
Fill in the blank Mortgage and Promissory Note form formatted to comply with all New York recording and content requirements.
Included Otsego County compliant document last validated/updated 10/31/2024
Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Included Otsego County compliant document last validated/updated 10/9/2024
Completed Example of the Promissory Note Document
Example of a properly completed New York Mortgage and Promissory Note document for reference.
Included Otsego County compliant document last validated/updated 11/11/2024
Annual Accounting Statement Form
Mail to borrower for fiscal year reporting.
Included Otsego County compliant document last validated/updated 9/5/2024
The following New York and Otsego County supplemental forms are included as a courtesy with your order:
When using these Mortgage and Promissory Note forms, the subject real estate must be physically located in Otsego County. The executed documents should then be recorded in the following office:
Otsego County Clerk
197 Main St / PO Box 710, Cooperstown, New York 13326
Hours: 8:30 am - 4:30 pm / Summer: 9:00 am - 4:00pm
Phone: (607) 547-4276
Local jurisdictions located in Otsego County include:
- Burlington Flats
- Cherry Valley
- Colliersville
- Cooperstown
- East Springfield
- East Worcester
- Edmeston
- Fly Creek
- Garrattsville
- Gilbertsville
- Hartwick
- Laurens
- Maryland
- Milford
- Morris
- Mount Vision
- New Lisbon
- Oneonta
- Otego
- Portlandville
- Richfield Springs
- Roseboom
- Schenevus
- Schuyler Lake
- Springfield Center
- Unadilla
- Wells Bridge
- West Burlington
- West Oneonta
- Westford
- 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 Otsego 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 Otsego County using our eRecording service.
Are these forms guaranteed to be recordable in Otsego County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Otsego County including margin requirements, content requirements, font and font size requirements.
Can the Mortgage 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 Otsego County that you need to transfer you would only need to order our forms once for all of your properties in Otsego County.
What are supplemental forms?
Often when a deed is recorded, additional documents are required by New York or Otsego 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 Otsego County Mortgage 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.
A mortgage is a conveyance of title to property that is given as security for a loan until the grantor (borrower) repays the lender according to terms defined in an attached promissory note. It contains a lien against the security property that ends when the debt is repaid.
Use this form for financing real property- residential, rental units, condominiums, vacant land, small commercial and planned unit developments.
Mortgage covenants
Transfer of Rights in the Property. The Mortgagor hereby mortgages to the Mortgagee the Property described in this Mortgage. Mortgagor can lose the Property for failure to keep the promises in this Mortgage.
Applicable Law. Mortgagee shall have all the rights set forth in Section 254 of the New York Real Property Law in addition to Mortgagee's rights set forth in this Mortgage, even if the rights are different from each other.
Non-Judicial Foreclosure. Mortgagee shall have the power of sale under Article 14 of the Real Property Actions and Proceedings Law, as it may be amended from time to time, and under any successor statute or statute of similar impo1t and effect which may subsequently be enacted providing for non-judicial sale of the Property, subject to the requirements and restrictions applicable to such statutory process.
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. The promissory note also defines the amount and specific terms of the loan between borrower (maker) and lender (payee/holder).
The promissory note is not recorded on its own. Instead, it is presented for recording along with its related deed of trust or mortgage.
A mortgage that includes a power of sale clause and a promissory note that includes stringent default terms can be beneficial to the lender
(New York Mortgage Package includes forms, guidelines, and completed examples) For use in New York only.
Our Promise
The documents you receive here will meet, or exceed, the Otsego 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 Otsego County Mortgage and 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.
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.
Thanks for the kind words James, glad we could help. Look forward to seeing you again.
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.
We appreciate your business and value your feedback. Thank you. Have a wonderful day!
Debra M.
May 29th, 2020
Since the recorder's office is closed, due to Covid, this worked well to submit my Quit Claim Deed. I was a bit confused with the direction and download. But, I think I got her done! We'll see if I get recorded and confirmation is received. I may be back
Thank you for your feedback. We really appreciate it. Have a great day!
Beverly H.
February 13th, 2019
Thanks!!
Thank you!
Luis C.
May 10th, 2019
Excellent forms but the instructions are not to clear.
Thank you for your feedback. We really appreciate it. Have a great day!
Karelia W.
February 14th, 2024
Was a bit skeptical because I'd never heard of it, but just got something submitted and confirmed recorded in less than 24 hrs. UI could use some work but other than that, straightforward and works!
Your feedback is greatly appreciated. Thank you for taking the time to share your experience!
Melody P.
January 29th, 2021
Thanks again for such expedient and excellent service!
Thank you!
Coby A.
May 26th, 2021
great service and quick filing.
Thank you!
Lynnellen S.
May 9th, 2019
My rating is not a 5. Although it had good instructions, it would NOT print the whole document no matter how many times I inputted the names. I ended up writing it in to complete.
I also recommend putting it on one page. I had to pay an additional fees per page and if I had to notarize it, why did I have to find 2 witnesses as well.
I deserve a discount for the time I spent repeatedly putting the same data. I was trying to save money since Im on social security only. It didnt. Get it to work correctly
Thank you for your feedback Lynnellen. Sorry to hear of your struggle with our document. We've gone ahead and refunded your payment. Hope you have a wonderful day.
Richard L.
April 22nd, 2020
very useful
Thank you!
Jean S.
July 2nd, 2019
Service was outstanding. I had the results very quickly. Definitely will use this service again
Thank you!
J O.
July 18th, 2020
It's okay, seems you need to make it easier to search deeds on properties without having to go through a lot of researching issues, make it simple!
Thank you!
Janice S.
August 31st, 2022
All instructions and forms are very easy to read and fill-out. Thank you
Thank you for your feedback. We really appreciate it. Have a great day!
Adan S.
February 9th, 2020
Five star
Thank you!