Schenectady County Mortgage and Promissory Note Form (New York)
All Schenectady 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 Schenectady County compliant document last validated/updated 9/5/2024
Mortgage Guidelines
Line by line guide explaining every blank on the form.
Included Schenectady County compliant document last validated/updated 11/6/2024
Completed Example of the Mortgage Document
Example of a properly completed form for reference.
Included Schenectady 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 Schenectady County compliant document last validated/updated 10/31/2024
Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Included Schenectady 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 Schenectady County compliant document last validated/updated 11/11/2024
Annual Accounting Statement Form
Mail to borrower for fiscal year reporting.
Included Schenectady County compliant document last validated/updated 9/5/2024
The following New York and Schenectady 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 Schenectady County. The executed documents should then be recorded in the following office:
Schenectady County Clerk
620 State St, 3rd floor, Schenectady, New York 12305
Hours: Monday - Friday 8:30am to 4:30pm / Summer: 9:00am to 4:00pm
Phone: 518-388-4220
Local jurisdictions located in Schenectady County include:
- Alplaus
- Delanson
- Duanesburg
- Pattersonville
- Quaker Street
- Rotterdam Junction
- Schenectady
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 Schenectady 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 Schenectady County using our eRecording service.
Are these forms guaranteed to be recordable in Schenectady County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Schenectady 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 Schenectady County that you need to transfer you would only need to order our forms once for all of your properties in Schenectady County.
What are supplemental forms?
Often when a deed is recorded, additional documents are required by New York or Schenectady 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 Schenectady 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 Schenectady 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 Schenectady 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.
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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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January 5th, 2021
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November 7th, 2020
The deeds.com site provides clarifying useful information for the do-it-yourself type of person.
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February 27th, 2021
We were able to find deceased parents' deed.
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JAMES M.
July 17th, 2023
The forms are just what I needed! Easy to navigate.
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James E.
December 1st, 2020
Forms were available for immediate download. Examples were helpful in completing form.
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March 3rd, 2020
No complaints
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March 3rd, 2021
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December 29th, 2022
I appreciate having forms available and not having to go to a business supply or attorney. This is great. However, there are two individual quit claim deed forms and I don't know which one is appropriate.
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Stephen B.
August 21st, 2024
This was the first time to use the Deeds.com website for preparing my deed document. This was painless and easy to follow the instructions and sample package for filling in the blank boxes document. The city clerk was impressed to review my document and easily filed my deed record without questions. I would recommend anyone to prepare a legal form that is available from the Deeds.com website.
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Shannon R.
January 10th, 2019
Good forms, served the purpose. would not hesitate to use again if needed.
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March 12th, 2023
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September 18th, 2020
Was very easy and helpful. No going down to the courthouse
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