This agreement clarifies rights and priorities among lenders and borrowers, documents changes to secured obligations, and creates a public record for lien priority. Accurate execution reduces title issues and protects parties from disputes over repayment obligations and collateral.
Lenders, borrowers, title companies, and closing attorneys commonly prepare or request a Mortgage Addition Agreement to implement amendments or additions to an existing mortgage.
Each party’s role differs: lenders confirm terms, title companies record, and borrowers provide execution and acknowledgements to make the amendment effective.
An authorized lending officer or counsel signs for the lender, certifying the loan terms and priority. The signer should be an officer with delegated authority and include printed name, title, and corporate information to avoid later challenges to authority.
The borrower or property owner signs to acknowledge the added mortgage terms. If the owner is an entity, an authorized officer or manager must sign and attach corporate resolution or authorization documentation when required by the title company.
Identify full legal names and entity types for all parties, including lender, borrower, and any guarantors. Use exact names as they appear on government ID or organizational formation documents to prevent title mismatches and recording rejection.
Provide the full metes-and-bounds or recorded lot-block-plat description used in the original mortgage. A partial or informal description risks rejection by the county recorder and may impair enforceability.
Specify the added or modified loan amount, new interest rate if any, payment terms, and whether the addition affects principal, interest, or lien priority; include references to the original mortgage by recording book/page or clerk instrument number.
State whether the new mortgage is subordinate, pari passu, or has priority over specific liens. If subordination or re-prioritization is involved, include reference documents or separate subordination agreements as exhibits.
Provide signature blocks for all parties, printed names and titles, and a notary acknowledgement (or RON clause if permitted). Notarial wording should match state requirements to ensure acceptance by the recorder.
Include explicit instructions for the county recorder (county name, recording fee payer, copies to return) and attach any exhibits required for recording, such as certificates of incumbency or corporate resolutions.
| Field | Configuration |
|---|---|
| Required Fields | Make Property Description and Original Mortgage Reference required. |
| Signer Order | Set lender then borrower signer sequence for approvals. |
| Authentication | Use email plus SMS or ID verification for stronger attribution. |
| Attach Exhibits | Require uploaded exhibits and corporate authorizations before signing. |
Choose a signing platform that supports audit trails, PDF/A output, and the authentication level required by parties and the recorder.
Ensure the chosen solution can produce tamper-evident PDFs, detailed audit logs, and the delivery receipts required by lenders and title companies.
Record as soon as possible to secure lien priority in case of competing filings.
Allow 1–5 business days for title and escrow to prepare recording packages.
Recording turnaround varies by county — same-day to several weeks depending on backlog.
Changes may affect Form 1098 reporting for mortgage interest; consult tax advisor.
Retention period typically begins on the agreement’s effective date.
| signNow | DocuSign | Adobe Sign | PandaDoc | HelloSign | |
|---|---|---|---|---|---|
| Starting Price | $8/user/mo | $15/user/mo | $14/user/mo | $19/user/mo | $15/user/mo |
| Free Trial | Yes, 7-day trial | Varies | Varies | Varies | Varies |
| Bulk Send | Yes | Yes | Yes | Yes | No |
| Audit Trail | Yes | Yes | Yes | Yes | Yes |
| HIPAA Compliant | Yes | Yes | Yes | No | No |
| Envelope Cap | No cap | 100 envelopes/user/year | Varies | Varies | Varies |
Attach recorded deed, original mortgage, title commitment, corporate resolutions, and any pay-off statements. These exhibits substantiate the amendment and are often required for recording and title clearance.
Include properly completed notary acknowledgements and witness attestation pages matching state-required wording. Mis-sized or incomplete notarizations can cause rejection.
Export signed files as PDF/A or flattened PDFs to ensure long-term readability and to meet many recorder format preferences for tamper-evident documents.
Request the county recorder return a stamped recorded copy to the title company and to each party’s designated return address for loan files and escrow records.