Mortgage notes are important documents that outline all of the terms and conditions associated with your home loan, including how long it will take you to repay and when payments will be due each month.
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Normally, borrowers receive their mortgage note at closing as part of the closing paperwork; however, should you misplace it there are several methods available to them to get another copy.
Contact Your Lender
A mortgage note is a legal document that contains every detail about your loan, such as its repayment obligations, escrow information and default interest rate – even legal venue should there be any disputes with respect to its enforcement.
Your house closing paperwork should include a copy of your mortgage note for future reference and to check for prepayment penalty clauses that may come up. Keep this document on file to avoid any surprises in terms of prepayment penalty clauses that might come up.
If you have lost your mortgage note, the simplest and fastest way to obtain another copy is to reach out to your original lender and request another copy or be directed towards an appropriate 3rd-party servicer who services your loan. In some jurisdictions, county recorder offices also regularly file documents such as deeds and mortgages for filing; they could provide quick access.
Contact the Recorder of Deeds
Mortgage notes and deeds make up two components of home loans; local registries of deeds can provide copies of both.
A local registry of deeds is responsible for recording legal documents related to real estate, including land deeds and titles. They also maintain a public records database that is accessible by anyone, making your search of its records to locate your mortgage note as simple as possible.
At the Recorder of Deeds office, documents filed for recording are scanned and digitally archived to protect them and made available for review or purchase online or at our office. Each document submitted for recording must include an acknowledgment signed by a notary public; missing or incorrect information could result in rejection and delay of recording process. All submissions for recording must also include an appropriately sized Self Addressed Postage Paid Envelope to return original document after recording process is complete.
Contact the Lender’s Servicer
A mortgage note is a legal document that details every aspect of your mortgage loan agreement, from how much money is owed, interest rate and payment due dates to lender liens that secure your home if nonpayment occurs. Mortgage notes are sometimes known as promissory notes or borrower's notes and can be obtained from either your lender's servicer or county recorder of deeds office.
At closing, you should receive copies of your mortgage note. If not, contact your lender to request one – lenders must comply with the Consumer Financial Protection Bureau requirements by providing copies upon request. In case your mortgage is sold off to another lender, its terms remain enforceable through your original note, so it's wise to review your note frequently and ensure it accurately reflects what was agreed between yourself and lender.
Contact the Lender’s Attorney
A mortgage note is a legally-binding contract that details your promise to repay the mortgage debt and details the terms you agreed on at closing. Your lender has the option to sell this document to another party; anyone purchasing it remains legally bound by its original terms. In addition, this document serves as proof that they hold valid lien against your property and can initiate foreclosure proceedings to recover their investment debts.
If you misplace or cannot locate your loan documentation from your mortgage transaction, contact either your lender's attorney or recorder's office to request copies. Check with real estate agents as they may also have copies of documents signed at closing; this could help expedite getting in contact with current servicers if your loan has changed hands and access documentation more quickly.