Is notarization required to record?

Yes. County recorders typically require a notary acknowledgement for instruments affecting real estate to validate the signer’s identity; check local recorder rules for formatting and any additional county-specific requirements.

Can an assignment be e-signed?

Electronic signatures are generally valid under the federal ESIGN Act (15 U.S.C. §7001) and UETA where adopted, but acceptance for recording and notarization varies by county and state; confirm recorder acceptance and notary requirements before using an e-signature.

How do I fix errors after recording?

If a recording error occurs, prepare a corrective assignment or affidavit of correction and re-record as required by the county; consult counsel for corrections that affect priority or involve disputed signatory authority.

Who must sign for a corporate assignor?

An authorized corporate officer or agent should sign and disclose title; include evidence of authority (corporate resolution or officer certification) when required to avoid rejection.

What evidence proves standing to foreclose?

A recorded assignment that links the mortgage to the current holder helps show standing; courts evaluate chain-of-title along with loan documents and endorsements, so maintain complete records.

Is remote online notarization (RON) accepted?

RON acceptance depends on the state and county; many states permit permanent RON with identity-proofing and recording of audio-video sessions, but verify Pennsylvania county practice and legal requirements before relying on RON.

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Pennsylvania Assignment of Mortgage

Pennsylvania Assignment of Mortgage

This template is fully customizable. Edit the text, fill out the fields, and send it for signature. Give it a try!

What a Pennsylvania Assignment of Mortgage Is and When It Matters

A Pennsylvania Assignment of Mortgage is a written instrument that transfers the assignor's interest in a mortgage lien and related servicing rights to an assignee. It records the change in legal ownership or servicing authority for a specific mortgage and is typically prepared when loans are sold, transferred between servicers, or when a lender assigns its security interest. Recording the assignment in the county where the property is located preserves priority of the lien and provides public notice of the new mortgagee or servicer, enabling enforcement actions and clear chain-of-title for title searches and foreclosure proceedings.

Why a Proper Assignment Matters for Chain of Title and Enforcement

A correctly completed assignment clarifies ownership and enforcement rights, preserves lien priority, and supports downstream actions such as foreclosure or servicing transfers.

Who Typically Prepares or Receives a Pennsylvania Assignment of Mortgage

Common parties involved in preparing or receiving an assignment include lenders, servicers, title companies, and attorneys.

Lenders and mortgage servicers who transfer loans or servicing rights and need to document ownership changes.
Title companies and closing agents who review chain-of-title for sales, refinances, or title insurance.
Real estate and foreclosure attorneys who rely on assignments to demonstrate authority to enforce or foreclose.

Each party’s role—preparer, recorder, or reviewer—affects what fields must be completed and how the document is executed.

Essential Elements Found in a Professional Assignment of Mortgage

A complete assignment includes factual identifiers, execution details, and recording data so it can be accepted by county recording offices and relied on in litigation or servicing.

Assignor/Assignee

Full legal names and corporate details of both parties, including entity type and address, to establish identity and authority.

Mortgage Identifier

Reference the mortgage instrument: recording book/page or instrument number, original loan date, and loan or property address.

Consideration

State the consideration paid or note if nominal (e.g., one dollar); some jurisdictions require a recited consideration.

Assignment Date

Date the assignment is executed; this is used to determine the effective transfer of rights and recording priority.

Notary Acknowledgment

A notary acknowledgement or jurat as required by county rules to validate the signer’s identity and execution.

Recording Block

Space for recorder’s office use: date/time recorded, instrument number, and any county clerk stamps or endorsements.

Step-by-Step: How to Complete and Record an Assignment

Follow these core steps to prepare, execute, and record a Pennsylvania Assignment of Mortgage.

01

Locate mortgage: Confirm original mortgage recording details and legal description.
02

Draft assignment: Complete fields, include accurate consideration and dates.
03

Notarize signature: Have authorized signer acknowledge before a notary public.
04

Record in county: Submit to the county recorder where the property is located.

How Assignment Recording and Notice Typically Flow

Recording an assignment creates public notice and updates chain-of-title; these actions usually follow execution and notarization.

Execution: Assignor signs with required corporate authority or officer delegation.
Acknowledgment: Notary completes acknowledgement or jurat per county rules.
Submission: File original or certified copy with the county recording office.
Notification: Assignee updates loan records and notifies borrower if required.

Online Workflow Settings for eSigning and Recording Prep

Configure these settings when preparing the assignment for electronic completion and secure delivery.

Field	Configuration
Authentication	Email link, SMS code, or stronger KBA per internal policy.
Signature Type	Allow typed or drawn signature; require signer name and date.
Notary Handling	Reserve space for physical notary stamp or support RON workflow if permitted.
Distribution	Define recipient order: assignor, assignee, title company, recorder copy.

Technical Considerations for Digital Completion and Sharing

Ensure the platform supports required file formats, authentication, and integrations with back-office systems.

File Formats: PDF and DOCX accepted for preparation.
Integrations: Connectors for Salesforce, NetSuite, Microsoft 365.
Notary Support: Platform should allow evidence capture for remote or in-person notarization.

Confirm that any eSignature vendor you use meets security and compliance requirements and supports the delivery and archival workflows your county recorder requires.

Timing Expectations for Execution and Recording

While statutes often do not impose a strict recording deadline, timely filing preserves lien priority and avoids disputes.

Record promptly:

File as soon as practical to protect priority and notice.

County processing:

Recording can take 1–4 weeks depending on county workload.

Expedited options:

Some counties offer walk-in or expedited indexing for extra fees.

Foreclosure timing:

Assignments should be recorded before initiating foreclosure where proof of standing is required.

Document retention:

Keep originals until recorded and retained per retention rules.

Key Milestones from Execution to Recorded Notice

A simple four-stage timeline covers execution, authentication, recording, and post-recording updates.

01

Execute Assignment

Assignor signs and dates the document; ensure authorized signer.

02

Notary Acknowledgment

Notary validates signer identity and completes required acknowledgement.

03

Record Instrument

Submit document to county recorder for indexing and public notice.

04

Update Records

Assignee updates loan servicing and title records after recording confirmation.

Common Mistakes to Avoid When Preparing an Assignment

Using abbreviated or inconsistent party names that do not match the original mortgage record and cause rejection.
Omitting the mortgage instrument number or book and page, making it difficult for the recorder to link records.
Failing to have the authorized signatory attest their capacity (officer title or corporate resolution), delaying acceptance.
Not allowing space for recorder stamps and instrument numbers, preventing the return of a properly recorded original.

Potential Consequences of an Incorrect or Unrecorded Assignment

Loss of Priority: Later liens may take precedence

Recording Rejection: County may refuse defective instruments

Foreclosure Challenges: Standing disputes may delay enforcement

Tax Issues: Incorrect consideration statements can trigger questions

Legal Fees: Additional counsel costs to cure defects

Title Insurance: Claims or exceptions for chain-of-title gaps

Real-World Examples of Electronic Execution and Workflow Use

Practical examples show how organizations complete and rely on assignments in real workflows.

Optica Ventures LLC

Optica streamlined assignment processing for portfolio transfers, reducing administrative steps.

Assigned documentation linked to loan files for clear title chain.
Brian Fitzgibbons, COO, noted the interface simplicity and customer ease-of-use that helped accelerate portfolio transfers while keeping required records organized and accessible.

Martin Properties

A property manager used online signing to handle numerous mortgage assignments across assets.

Mobile signing enabled on-site execution during closings.
Tim Martin, Founder, described processing and executing documents online with compliance and security while delivering signed forms back to parties efficiently, even offline.

Security and Compliance Considerations for Electronic Assignments

In-transit Encryption: TLS 1.2/1.3

At-rest Encryption: AES-256

Certifications: SOC 2 Type II

Regulatory Support: HIPAA (BAA available)

FDA / 21 CFR: 21 CFR Part 11 available

International Standards: ISO 27001

Comparison: eSignature Providers for Completing Assignments

Vendor pricing and capabilities vary; signNow is listed first for comparison. Verify plan details directly with each vendor before purchasing.

	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	7-day free trial	Yes	Yes	Yes	Yes
Bulk Send	Yes	Yes	Yes	Yes	No
Audit Trail	Yes	Yes	Yes	Yes	Yes
HIPAA Compliant	Yes	Yes	Yes	No	No
Envelope Cap	No envelope cap	100 envelopes/user/year	Varies by plan	Varies by plan	Varies by plan

Frequently Asked Questions About Pennsylvania Assignment of Mortgage

Answers to common questions about execution, recording, eSignature use, corrections, and notaries for assignments.

Need help? Contact support

Is notarization required to record?
Yes. County recorders typically require a notary acknowledgement for instruments affecting real estate to validate the signer’s identity; check local recorder rules for formatting and any additional county-specific requirements.
Can an assignment be e-signed?
Electronic signatures are generally valid under the federal ESIGN Act (15 U.S.C. §7001) and UETA where adopted, but acceptance for recording and notarization varies by county and state; confirm recorder acceptance and notary requirements before using an e-signature.
How do I fix errors after recording?
If a recording error occurs, prepare a corrective assignment or affidavit of correction and re-record as required by the county; consult counsel for corrections that affect priority or involve disputed signatory authority.
Who must sign for a corporate assignor?
An authorized corporate officer or agent should sign and disclose title; include evidence of authority (corporate resolution or officer certification) when required to avoid rejection.
What evidence proves standing to foreclose?
A recorded assignment that links the mortgage to the current holder helps show standing; courts evaluate chain-of-title along with loan documents and endorsements, so maintain complete records.
Is remote online notarization (RON) accepted?
RON acceptance depends on the state and county; many states permit permanent RON with identity-proofing and recording of audio-video sessions, but verify Pennsylvania county practice and legal requirements before relying on RON.

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