A mortgage note is a legal document that details a borrower's agreement to make monthly mortgage payments including interest for an agreed-upon duration, along with details regarding how your rate can change over time.
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If you have lost your mortgage note, you can contact your loan servicer and request a copy. By law, they must respond.
The Lender
Your mortgage note is the legal document that details how much and how you'll repay what you owe, establishing your property as collateral against it. This document also specifies its length (term), as well as when payments will be due each month or biweekly (whether monthly or biweekly), along with any penalties such as late fees that might arise for late payment.
Your mortgage note will arrive with you at closing and should be stored with other important paperwork. Should you ever require another copy, simply contact the company that services your loan for one.
Your mortgage note can also be located by searching county records or reaching out to the original lender directly. If you decide to refinance, your new lender will acquire the original note from its previous owner – although you may incur a prepayment penalty should this happen.
The Servicer
No matter who services your mortgage loan, it is vital that a copy of your note remains safe in case any legal proceedings arise and to ensure all parties involved understand its terms.
Keep a copy of your mortgage note in your possession to know when payments are due and whether prepayment penalties exist. Your local registry of deeds may also provide this service depending on how you closed on your home and whether the original mortgage deed was recorded in public records.
Whenever your loan servicer changes, they should send you a notice and explain how to access your online information. In many instances, you should be able to obtain copies of your mortgage note free or at a minimal cost from this new servicer.
The County Recorder
The county recorder can be an invaluable source for copies of your mortgage note, an official document that pledges your property as security against debt you are borrowing, along with repayment terms. Mortgage notes can often be sold to investors due to their risk-free return on investment; should this happen, any new owner must notify you accordingly.
At closing, your lender should give you a copy of your mortgage note; if this does not happen, contact your county recorder's office for assistance in getting one. Their office specializes in recording documents related to real estate, which should contain copies of mortgage notes as well as any related paperwork. Most counties also keep records online which you can search via search engines; alternatively, if a third-party servicer is servicing the mortgage then request their copy as well.
The Borrower
A mortgage note is a legal document that details the terms of your mortgage loan agreement, such as how much money is owed, interest rate, and repayment plan. Signed by both lender and borrower at closing, it serves as a legally binding contract between them both – you can obtain your copy either from the lender, Registry of Deeds, or title company.
Mortgage lenders regularly sell mortgage notes on the secondary market, meaning borrowers may find that their original note has been transferred to different parties but remains unchanged in terms of loan requirements and conditions.
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