Mortgage - New York

New York · Fillable PDF · Free

In New York, real estate loans are secured by a mortgage (not a deed of trust). Use this form for a private, family, or seller-financed loan. The borrower signs it, and it is recorded. Secure a private, family or seller-financed loan against New York real estate.

Serving New York. New York appointments require New York-commissioned notaries.

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Who this form is for

  • Secure a private, family or seller-financed loan against New York real estate.
  • In New York, real estate loans are secured by a mortgage (not a deed of trust). Use this form for a private, family, or seller-financed loan. The borrower signs it, and it is recorded.

What you'll need

  • Read this packet's instructions and confirm the recipient's required form.
  • Gather the names, dates and supporting records requested in the PDF.
  • Bring acceptable identification for any required notarial act.

How to complete it

  1. Record and return to (top of Page 1) Enter who should receive the recorded original, and the tax map Section, Block, and Lot. Leave the space above the dotted line blank for the County Clerk.
  2. Fill in the parties, loan, and premises (Pages 1–2) Name the mortgagor (borrower) and mortgagee (lender), the loan amount, and the full legal description.
  3. Sign before a notary (Page 3) Each borrower signs. Bring a current, government-issued photo ID. Signing outside New York? The notary attaches an out-of-state acknowledgment (RPL § 309-b). We can handle that.
  4. Record the original with the County Clerk of the county where the property is located (in New York City, the City Register through ACRIS).
  5. New York charges a mortgage recording tax when the mortgage is recorded. A mortgage affidavit may be required.
  6. Pair it with a signed Promissory Note. Consumer and residential loans have additional rules; talk to an attorney.

Related New York forms

These forms are a free convenience, not legal advice. First Choice Mobile Notary & Apostille is not a law firm. Consult an attorney licensed in the relevant state for legal questions.

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