[{"data":1,"prerenderedAt":500},["ShallowReactive",2],{"document-estoppel-affidavit-of-mortgagor-D844":3},{"document":4,"label":23,"preview":11,"thumb":24,"thumb600":25,"description":5,"descriptionCustom":6,"apiDescription":5,"pages":8,"extension":10,"parents":26,"breadcrumb":30,"related":36,"customDescModule":168,"customdescription":6,"mdFm":169,"mdProseHtml":499},{"description":5,"descriptionCustom":6,"label":7,"pages":8,"size":9,"extension":10,"preview":11,"thumb":12,"svgFrame":13,"seoMetadata":14,"parents":15,"keywords":22},"ESTOPPEL AFFIDAVIT OF MORTGAGOR This Estoppel Affidavit of Mortgagor (the \"Agreement\") is made and effective [DATE], BETWEEN: [YOUR COMPANY NAME] (the \"Mortgagor\"), a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] AND: [AFFIANT NAME] (the \"Affiant\"), a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] In consideration of the terms and covenants of this agreement, and other valuable consideration, the parties agree as follows: TERMS This is to certify that Affiant executed, assumed, or taken title subject to, the mortgage on the real property located at [ADDRESS], originally granted to [NAME], dated [DATE], recorded in [BOOK, PAGES] of the public records of the [STATE/PROVINCE] and now assigned to and held by [NAME]. The legal description of the mortgaged property is attached hereto as Exhibit A. The original principal amount of the Promissory Note secured by said Mortgage was [AMOUNT], with interest accruing thereon at the fixed rate of [%] per annum amortized over [NUMBER] year(s), with [NUMBER] monthly installment payments of principal and interest due and payable in the amount of [AMOUNT] per month, with the first payment due on [DATE]. A total of [NUMBER] payments have been made through and including the payment due on [DATE[. This loan is current in all respects and the Affiant is not in default. The remaining unpaid principal balance owing on said Note and Mortgage is [AMOUNT], as of [DATE], and there remain scheduled monthly payments due in the amount of [AMOUNT] each, and a balloon payment of [AMOUNT] due on [DATE], with [AMOUNT] then remaining unpaid after said balloon. The next payment in the amount of [AMOUNT] is due on [DATE]. Interest continues to accrue on said Note and Mortgage at the fixed annual rate of [%]. No lump sum payments have been made against said balance, nor are there any claims, defenses or offsets against said Mortgage or Note. The Affiant had the full legal capacity to execute said Note and Mortgage or to assume or take title to the real property subject to said Mortgage and is not in bankruptcy or receivership for benefit of creditors. Affiant has no knowledge of any action or proceeding whatever, which is now pending in any state or federal court in [COUNTRY] in which the Affiant is a party which affects the real property or the Note or Mortgage, nor does the Affiant know of any federal or state court judgment, tax lien or any other lien of any kind or nature whatever which now constitutes a lien or charge upon the property, Note, or Mortgage, except taxes for the current year and the lien of those certain mortgages of record in the County and State where the property is located. Affiant has received no notice from any governmental authority requiring any improvement, alteration or change to be made in and about the property",null,"Estoppel Affidavit of Mortgagor","5",45,"doc","https://templates.business-in-a-box.com/imgs/1000px/estoppel-affidavit-of-mortgagor-D844.png","https://templates.business-in-a-box.com/imgs/250px/844.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#844.xml",{"title":6,"description":6},[16,19],{"label":17,"url":18},"Legal Agreements","/templates/business-legal-agreements/",{"label":20,"url":21},"Affidavits","/templates/affidavit/","estoppel affidavit mortgagor","Estoppel Affidavit of Mortgagor Template","https://templates.business-in-a-box.com/imgs/400px/844.png","https://templates.business-in-a-box.com/imgs/600px/844.png",[27,16,19],{"label":28,"url":29},"Templates","/templates/",[31,32,33],{"label":28,"url":29},{"label":17,"url":18},{"label":34,"url":35},"Loans & Promissory Notes","/templates/loans-and-promissory-notes/",[37,41,45,49,53,57,61,65,69,86,104,125,141,155],{"label":38,"url":39,"thumb":40,"extension":10},"Affidavit","/template/affidavit-D843","https://templates.business-in-a-box.com/imgs/250px/843.png",{"label":42,"url":43,"thumb":44,"extension":10},"Affidavit of No Lien","/template/affidavit-of-no-lien-D842","https://templates.business-in-a-box.com/imgs/250px/842.png",{"label":46,"url":47,"thumb":48,"extension":10},"Affidavit of Loss","/template/affidavit-of-loss-D5183","https://templates.business-in-a-box.com/imgs/250px/5183.png",{"label":50,"url":51,"thumb":52,"extension":10},"Affidavit of No Creditors","/template/affidavit-of-no-creditors-D841","https://templates.business-in-a-box.com/imgs/250px/841.png",{"label":54,"url":55,"thumb":56,"extension":10},"Affidavit of Execution","/template/affidavit-of-execution-D5182","https://templates.business-in-a-box.com/imgs/250px/5182.png",{"label":58,"url":59,"thumb":60,"extension":10},"Affidavit Statutory Declaration","/template/affidavit-statutory-declaration-D5185","https://templates.business-in-a-box.com/imgs/250px/5185.png",{"label":62,"url":63,"thumb":64,"extension":10},"Affidavit Petition for Dissolution","/template/affidavit-petition-for-dissolution-D5184","https://templates.business-in-a-box.com/imgs/250px/5184.png",{"label":66,"url":67,"thumb":68,"extension":10},"Affidavit of Lost, Stolen or Destroyed  Stock Certificate","/template/affidavit-of-lost-stolen-or-destroyed-stock-certificate-D994","https://templates.business-in-a-box.com/imgs/250px/994.png",{"description":70,"descriptionCustom":6,"label":71,"pages":72,"size":73,"extension":10,"preview":74,"thumb":75,"svgFrame":76,"seoMetadata":77,"parents":78,"keywords":84,"url":85},"ASSIGNMENT OF DEED OF TRUST This Assignment of Deed of Trust (the \"Assignment\") is made and effective [DATE], BETWEEN: [YOUR COMPANY NAME] (the \"Trustor\"), a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] AND: [TRUSTEE NAME] (the \"Trustee\"), a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] TERMS","Assignment of Deed of Trust","1",28,"https://templates.business-in-a-box.com/imgs/1000px/assignment-of-deed-of-trust-D975.png","https://templates.business-in-a-box.com/imgs/250px/975.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#975.xml",{"title":6,"description":6},[79,81],{"label":17,"url":80},"business-legal-agreements",{"label":82,"url":83},"Deeds","deed","assignment deed trust","/template/assignment-of-deed-of-trust-D975",{"description":87,"descriptionCustom":6,"label":88,"pages":89,"size":90,"extension":10,"preview":91,"thumb":92,"svgFrame":93,"seoMetadata":94,"parents":95,"keywords":102,"url":103},"MORTGAGE This Mortgage (the \"Agreement\") is made and effective [DATE], BETWEEN: [YOUR COMPANY NAME] (the \"Mortgagor\"), a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] AND: [MORTGAGEE NAME] (the \"Mortgagee\"), an individual with his main address located at OR a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] RECITALS WHEREAS, Mortgagor is justly indebted to Mortgagee in the sum of [AMOUNT] in lawful money of [COUNTRY], and has agreed to pay the same, with interest thereon, according to the terms of a certain note (the \"Note\") given by Mortgagor to Mortgagee, bearing even date herewith. DESCRIPTION OF PROPERTY SUBJECT TO LIEN: \"PREMISES\" NOW, THEREFORE, in consideration of the premises and the sum hereinabove set forth, and to secure the payment of the Secured Indebtedness as defined herein, Mortgagor has granted, bargained, sold and conveyed, and by these presents does grant, bargain, sell and convey unto Mortgagee property situated in [CITY, STATE/PROVINCE] more particularly described in Exhibit\" A\" attached hereto and by this reference made a part hereof; TOGETHER with all buildings, structures and other improvements now or hereafter located on, above or below the surface of the property herein before described, or any part and parcel thereof; and, TOGETHER with all and singular the tenements, easements, riparian and littoral rights, and appurtenances thereunto belonging or in anywise appertaining, whether now owned or hereafter acquired by Mortgagor, and including all rights of ingress and egress to and from adjoining property (whether such rights now exist or subsequently arise) together with the reversion or reversions, remainder and remainders, rents, issues and profits thereof; and also all the estate, right, title, interest, claim and demand whatsoever of Mortgagor of, in and to the same and of, in and to every part and parcel thereof; and, TOGETHER with all machinery, apparatus, equipment, fittings, fixtures, whether actually or constructively attached to said property and including all trade, domestic and ornamental fixtures, and articles of personal property of every kind and nature whatsoever (hereinafter collectively called \"Equipment\"), now or hereafter located in, upon or under said property or any part thereof and used or usable in connection with any present or future operation of said property and now owned or hereafter acquired by Mortgagor; and, TOGETHER with all the common elements appurtenant to any parcel, unit or lot which is all or part of the Premises; and, ALL the foregoing encumbered by this Mortgage being collectively referred to herein as the \"Premises\"; TO HAVE AND TO HOLD the Premises hereby granted to the use, benefit and behalf of the Mortgagee, forever. EQUITY OF REDEMPTION Conditioned, however, that if Mortgagor shall promptly pay or cause to be paid to Mortgagee, at its address listed in the Note, or at such other place which may hereafter be designated by Mortgagee, its or their successors or assigns, with interest, the principal sum of [AMOUNT] with final maturity, if not sooner paid, as stated in said Note unless amended or extended according to the terms of the Note executed by Mortgagor and payable to the order of Mortgagee, then these presents shall cease and be void, otherwise these presents shall remain in full force and effect. COVENANTS OF MORTGAGOR Mortgagor covenants and agrees with Mortgagee as follows: Secured Indebtedness: This Mortgage is given as security for the Note and also as security for any and all other sums, indebtedness, obligations and liabilities of any and every kind arising, under the Note or this Mortgage, as amended or modified or supplemented from time to time, and any and all renewals, modifications or extensions of any or all of the foregoing (all of which are collectively referred to herein as the \"Secured Indebtedness\"), the entire Secured Indebtedness being equally secured with and having the same priority as any amounts owed at the date hereof. Performance of Note, Mortgage: Mortgagor shall perform, observe and comply with all provisions hereof and of the Note and shall promptly pay, in lawful money of [COUNTRY], to Mortgagee the Secured Indebtedness with interest thereon as provided in the Note, this Mortgage and all other documents constituting the Secured Indebtedness. Extent Of Payment Other Than Principal And Interest: Mortgagor shall pay, when due and payable, (1) all taxes, assessments, general or special, and other charges levied on, or assessed, placed or made against the Premises, this instrument or the Secured Indebtedness or any interest of the Mortgagee in the Premises or the obligations secured hereby; (2) premiums on policies of fire and other hazard insurance covering the Premises, as required herein; (3) ground rents or other lease rentals; and (4) other sums related to the Premises or the indebtedness secured hereby, if any, payable by Mortgagor. Insurance: Mortgagor shall, at its sole cost and expense, keep the Premises insured against all hazards as is customary and reasonable for properties of similar type and nature located in [CITY, STATE/PROVINCE]. Care of Property: Mortgagor shall maintain the Premises in good condition and repair and shall not commit or suffer any material waste to the Premises. ","Mortgage","4",50,"https://templates.business-in-a-box.com/imgs/1000px/mortgage-D1183.png","https://templates.business-in-a-box.com/imgs/250px/1183.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#1183.xml",{"title":6,"description":6},[96,99],{"label":97,"url":98},"Real Estate","real-estate-business",{"label":100,"url":101},"Business Checklists","business-checklists","mortgage","/template/mortgage-D1183",{"description":105,"descriptionCustom":6,"label":106,"pages":107,"size":108,"extension":10,"preview":109,"thumb":110,"svgFrame":111,"seoMetadata":112,"parents":113,"keywords":123,"url":124},"PROMISSORY NOTE This Promissory Note (the \"Note\") is made and effective the [DATE], BETWEEN: [LENDER NAME] (the \"Lender\"), an individual with his main address located at OR a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] AND: [YOUR COMPANY NAME] (the \"Borrower\"), a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] TERMS FOR VALUE RECEIVED, the Borrower promises to pay to the order of Lender, at its principal office located at [ADDRESS], or at such other place that is designated in writing by the holder hereof, the principal sum of [AMOUNT], together with all charges and interest herein provided, payable at the rate and in the manner hereinafter set forth: Borrower shall make monthly payments of principal and interest at the rate of [%] per annum based upon an amortization of [NUMBER] months. Monthly payments shall be due on or before the first day of each month with the first payment being due on or before [DATE]. If not sooner paid, all amounts due under this Note, including principal, interest and other charges shall be due and payable in full on or before the first day of [MONTH], [YEAR] (the \"Maturity Date\"). Time is of the essence of the payment obligations hereunder and each monthly payment shall be due and payable on or before the first day of each month. This Note is and will be secured by a certain first priority security interest in all of the tangible and intangible property of the Borrower, to be recorded in all applicable governmental offices. The parties shall execute a separate security agreement, in form and substance acceptable to the Lender in all respects. Borrower agrees to execute any such security agreements presented by the Lender or other documents required by the Lender in order to perfect its security interest in the above described property. Said Security Agreement and any other instruments and documents executed in connection with or given as security for this Note shall hereinafter be referred to collectively as the \"Loan Documents.\" All of the terms, covenants, Conditions, representations and warranties contained in the Loan Documents are hereby made part of this Note to the same extent and with the same force and effect as if fully set forth herein. If all or any portion of any payment due hereunder is not received by the Lender within [NUMBER] calendar days after the date when such payment is due, Borrower shall pay a late charge equal to [%] of such payment, such late charge to be immediately due and payable without demand by Lender. Borrower shall have the right to prepay all (but not a portion) of the indebtedness evidenced by this Note at any time, by paying the Lender an amount equal to the sum of (I) the principal balance then outstanding, (ii) all interest accrued to the date of such prepayment, (iii) all interest calculated through the Maturity Date, and (iv) any late charge or charges then due and owing. If any payment under this Note is not paid in full by the [DAY] of any month during the term hereof or if the entire amount due as represented by this Note is not paid in full on or before the Maturity Date, or should default be made in the performance or observation of any of the terms, covenants, or conditions contained in the Loan Documents, or if any representation or warranty contained in the Loan Documents is breached or is or becomes untrue, this Note shall be in default, and the entire principal amount outstanding hereunder, accrued interest thereon, all late charges, if any, and any and all other charges due hereunder, shall, at Lender's option, immediately become due and payable, without further notice, the giving of such notice being expressly waived by the Borrower","Promissory Note","3",39,"https://templates.business-in-a-box.com/imgs/1000px/promissory-note-D434.png","https://templates.business-in-a-box.com/imgs/250px/434.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#434.xml",{"title":6,"description":6},[114,117,120],{"label":115,"url":116},"Finance & Accounting","finance-accounting",{"label":118,"url":119},"Business Loans","business-loan",{"label":121,"url":122},"Promissory Notes","promisory-note","promissory note","/template/promissory-note-D434",{"description":126,"descriptionCustom":6,"label":127,"pages":128,"size":129,"extension":10,"preview":130,"thumb":131,"svgFrame":132,"seoMetadata":133,"parents":135,"keywords":134,"url":140},"REAL ESTATE PURCHASE AGREEMENT This Real Estate Purchase Agreement (the \"Agreement\") is effective [DATE], BETWEEN: [SELLER NAME], (the \"Seller\") an individual with his main address located at OR a company organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] AND: [PURCHASER NAME], (the \"Purchaser\") an individual with his main address located at OR a company organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] Collectively, the Seller and Purchaser shall be referred to as the \"Parties.\" WHEREAS, the Seller is the owner of the real property located at [ADDRESS OF PROPERTY] (hereinafter referred to as the \"Property\") and the Purchaser is interested in buying the Property from the Seller pursuant to the following terms and conditions. WHEREAS, in consideration of and as a condition of the Seller selling the Property and the Purchaser purchasing the Property and other valuable consideration, the receipt and sufficiency of which are acknowledged here; NOW, THEREFORE, the Parties agree as follows: PROPERTY The Property is situated at [SPECIFY ADDRESS] and the legal description of the Property is as follows: [SPECIFY LEGAL DESCRIPTION OF PROPERTY] which includes with it but is not limited to permits, easements, and cooperative and association memberships (the \"Property\"). The Seller agrees to sell and convey to the Purchaser and the Purchaser agrees to purchase the Property from the Seller. The Seller shall release possession, occupancy, existing keys and/or means to operate all locks, mailbox, security system/alarms and all common area facilities to the Purchaser on the Closing Date. The Seller agrees that all the existing fixtures on the Premises, and any existing personal property including but not limited to light fixtures, fireplace, ceiling fans, lighting, and storage sheds shall be included in this sale and shall be transferred with no monetary value, and free and clear of all liens or encumbrances. PAYMENT OF PURCHASE PRICE The Purchaser agrees to pay to the Seller [SPECIFY AMOUNT] for the Property. At the time of signing of the Agreement, the Purchaser shall make the payment of [SPECIFY PERCENTAGE] % of the total amount. The remaining amount shall be transferred to the Seller on the Closing Date. The Purchaser is entitled to pay the amount by any of the following modes: [SPECIFY MODES OF PAYMENT]. TITLE INSURANCE The Seller shall furnish to the Purchaser an owner's policy of title insurance (the \"Title Insurance\") from [SPECIFY INSURANCE COMPANY] (the \"Title Company\") in an amount of the Sales Price dated as of the date that the sale of the Property becomes final, and the Purchaser takes possession, which insures and indemnifies the Purchaser against loss, as stipulated under the provisions of the Title Policy, subject to exceptions contained therein. TITLE COMMITMENT At the Seller's sole cost, the Seller will furnish or cause to be furnished to the Purchaser a commitment for the Title Insurance and copies of restrictive covenants and documents evidencing the exceptions in the Commitment. DISCLOSURES BY THE SELLER The Seller shall send disclosures to the Purchaser, within 28 days of signing of this Agreement, in which he shall disclose the details of the Property under various categories. The categories include: Boundaries. Changes made to the Property (extensions, alterations). Shared areas with neighbors, formal and informal agreements. Disputes or complaints (made by or about the Seller). Occupiers (who live at the Property). Guarantees and warranties affecting the Property. Environmental matters. The relevant issues disclosed to the Purchaser shall include, but are not limited to the following: Any disputes with neighbors that have resulted in written exchanges, or police or local authority involvement. Whether the neighbors have any anti-social behavior orders. Planning permission on the Property that is pending, granted or denied. Problems with pests, current or historic. Flooding issues, current or historic. Structural issues. Whether there is a flight path nearby or one planned. Whether there is a motorway within view or one planned. A previous sale falling through due to bad survey results on the Property. The neighborhood having high levels of crime. A violent death that occurred at the Property. Notwithstanding anything contained in the foregoing provisions, the Seller shall disclose all such information which would materially affect the Purchaser's consent to purchase the Property. WARRANTY BY THE SELLER The Seller has full power and authority to enter into and perform this Agreement in accordance with its terms; The individuals executing this Agreement on behalf of the Seller are authorized to do so and, upon execution hereof, this Agreement shall be binding upon and enforceable against the Seller; The Seller has no actual knowledge of any impending lawsuits with respect to the Property; The Seller represents and warrants that there will be no liens, assessments, or security interests from third parties against the Property on the Closing Date; The Seller warrants and shall maintain and repair the Premises so that at the time of possession, all the heating, cooling, mechanical, plumbing and electrical systems, and built-in appliances shall be in working condition; The Seller warrants that the Premises, including all additional existing personal property included in the sale, will be in substantially the same condition, except the changes caused by reasonable wear and tear or irresistible force, as on the date of acceptance of the Agreement; The Seller warrants that no damage would be caused to the Property, by any improvement work being carried out by the Seller in the Property, to substantially reduce its value or damage it in a way to make its enjoyment difficult. WARRANTY BY THE PURCHASER The Purchaser has full power and authority to enter into and perform this Agreement in accordance with its terms; and Any individual executing this Agreement on behalf of the Purchaser is authorized to do so, and, upon execution hereof, this Agreement shall be binding upon and enforceable against the Purchaser. INDEMNIFICATION The Seller will bear all the risk of loss to the Property or its improvements, which includes but is not limited to physical damage or destruction to the Property, or loss caused by eminent domain, until the Closing Date. If prior to the Closing Date, the Property is damaged or destroyed, the Seller will restore the Property to its previous condition as soon as possible before the Closing Date. The Seller agrees to defend, indemnify, and hold the Purchaser harmless from and against all claims, liabilities, obligations, costs, expenses, and reasonable attorney's fees arising out of or related to: Any breach or inaccuracy of representation or warranty of the Seller made in this Agreement; Any failure by the Seller to perform any covenant required to be performed by it under this Agreement; Any liability or obligation of any third party assumed by the Seller in accordance with the terms of this Agreement; Use of the Property before the Closing Date. PRORATION The Seller and the Purchaser agree to proration of the following items: Title Insurance and Closing Fee: The Seller shall pay all costs of the Title Commitment and the premium as applicable under law. Recording Costs: The Purchaser shall pay the cost of the deed and all other documents. Real Estate Taxes and Special Assessments: All real estate property taxes, levies and assessments as of the Closing","Real Estate Purchase Agreement","8",513,"https://templates.business-in-a-box.com/imgs/1000px/real-estate-purchase-agreement-D13234.png","https://templates.business-in-a-box.com/imgs/250px/13234.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#13234.xml",{"title":134,"description":6},"real estate purchase agreement",[136,137],{"label":17,"url":80},{"label":138,"url":139},"Purchase & Sale Agreements","purchase-sale-agreement","/template/real-estate-purchase-agreement-D13234",{"description":142,"descriptionCustom":6,"label":143,"pages":144,"size":129,"extension":10,"preview":145,"thumb":146,"svgFrame":147,"seoMetadata":148,"parents":150,"keywords":149,"url":154},"LOAN AGREEMENT This Loan Agreement (\"Agreement\") is made and effective the [DATE], BETWEEN: [LENDER NAME] (the \"Lender\"), an individual with his main address located at OR a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] AND: [YOUR COMPANY NAME] (the \"Borrower\"), a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] Promise to Pay Within [NUMBER] months from today, Borrower promises to pay to Lender the sum of [AMOUNT], and interest and other charges stated below. Responsibility Although this Agreement may be signed below by more than one person, Borrower understands that both parties are individuals responsible for paying back the full amount. Breakdown of Loan Amount of Loan: Other (Describe): Amount Financed: Finance Charge: Total of Payments: Annual Rate: Repayment Borrower will repay the amount of this note in [NUMBER] equal uninterrupted monthly installments of [AMOUNT] each on the [DAY] of each month starting on the [DATE], and ending on [DATE]. Prepayment Borrower has the right to prepay the whole outstanding amount at any time","Loan Agreement","2","https://templates.business-in-a-box.com/imgs/1000px/loan-agreement-D417.png","https://templates.business-in-a-box.com/imgs/250px/417.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#417.xml",{"title":149,"description":6},"loan agreement",[151,152,153],{"label":115,"url":116},{"label":118,"url":119},{"label":118,"url":119},"/template/loan-agreement-D417",{"description":156,"descriptionCustom":6,"label":157,"pages":144,"size":158,"extension":10,"preview":159,"thumb":160,"svgFrame":161,"seoMetadata":162,"parents":163,"keywords":166,"url":167},"ASSIGNMENT OF MORTGAGE This Assignment of Mortgage (the \"Assignment\") is made and effective [DATE], BETWEEN: [YOUR COMPANY NAME] (the \"Assignor\"), a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] AND: [ASSIGNEE NAME] (the \"Assignee\"), an individual with his main address located at OR a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] ","Assignment of Mortgage",32,"https://templates.business-in-a-box.com/imgs/1000px/assignment-of-mortgage-D1156.png","https://templates.business-in-a-box.com/imgs/250px/1156.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#1156.xml",{"title":6,"description":6},[164,165],{"label":97,"url":98},{"label":17,"url":80},"assignment mortgage","/template/assignment-of-mortgage-D1156",false,{"seo":170,"reviewer":183,"quick_facts":187,"at_a_glance":190,"personas":194,"variants":219,"glossary":244,"clauses":277,"how_to_fill":328,"common_mistakes":369,"faqs":386,"industries":414,"comparisons":431,"diy_vs_lawyer":445,"jurisdictions":458,"related_template_ids_curated":479,"schema":489,"classification":490},{"meta_title":171,"meta_description":172,"primary_keyword":173,"secondary_keywords":174},"Estoppel Affidavit of Mortgagor Template (Free Word)","Free estoppel affidavit of mortgagor template. Certifies mortgage balance, interest rate, and loan status for property sales and refinancing. Free Word and PDF download.","estoppel affidavit of mortgagor",[175,176,177,178,179,180,181,182],"estoppel affidavit of mortgagor template","mortgage estoppel certificate","estoppel letter mortgage","mortgagor estoppel affidavit word","estoppel affidavit real estate","mortgage estoppel affidavit free download","estoppel certificate mortgage loan","mortgage payoff estoppel document",{"name":184,"credential":185,"reviewed_date":186},"Bruno Goulet","CEO, Business in a Box","2026-05-02",{"difficulty":188,"legal_review_recommended":189,"signature_required":189},"advanced",true,{"what_it_is":191,"when_you_need_it":192,"whats_inside":193},"An Estoppel Affidavit of Mortgagor is a sworn, legally binding statement in which the borrower (mortgagor) certifies the current status of their mortgage loan — including the outstanding principal balance, interest rate, payment history, and any known disputes or defenses — as of a specific date. This free Word download lets you complete, edit, and export the affidavit as PDF for use in real estate transactions, loan assignments, and refinancing.\n","Use it when a property is being sold, when the existing mortgage is being assigned to a new lender, when a title company or buyer's counsel requires confirmation of loan terms before closing, or when a lender is refinancing or purchasing the note and needs the borrower to certify the debt's status.\n","Parties and property identification, sworn certification of outstanding principal balance and interest rate, payment status and last payment date, disclosure of any offsets or defenses, acknowledgment that the lender may rely on the statements, and notarized signature block.\n",[195,199,203,207,211,215],{"title":196,"use_case":197,"icon_asset_id":198},"Property sellers","Certifying mortgage balance and status to a buyer's title company before closing","persona-property-owner",{"title":200,"use_case":201,"icon_asset_id":202},"Real estate attorneys","Documenting loan status for clients during sale, refinance, or loan assignment transactions","persona-real-estate-attorney",{"title":204,"use_case":205,"icon_asset_id":206},"Mortgage lenders and note buyers","Requiring borrower certification before purchasing or assigning a mortgage note","persona-lender",{"title":208,"use_case":209,"icon_asset_id":210},"Title companies and closing agents","Collecting estoppel certifications to clear title and confirm encumbrance balances","persona-title-company",{"title":212,"use_case":213,"icon_asset_id":214},"Commercial property owners","Confirming loan terms to a prospective buyer or incoming lender in a commercial transaction","persona-commercial-property-owner",{"title":216,"use_case":217,"icon_asset_id":218},"Refinancing borrowers","Executing a sworn statement of loan status as required by the new lender's underwriting process","persona-refinancing-borrower",[220,223,226,229,232,236,240],{"situation":221,"recommended_template":7,"slug":222},"Borrower certifying loan status to a new lender purchasing the note","estoppel-affidavit-of-mortgagor-D844",{"situation":224,"recommended_template":225,"slug":222},"Lender certifying the status of the mortgage to a buyer or title insurer","Estoppel Certificate (Mortgagee)",{"situation":227,"recommended_template":228,"slug":222},"Tenant certifying lease terms to a prospective landlord or lender","Tenant Estoppel Certificate",{"situation":230,"recommended_template":231,"slug":222},"Confirming HOA dues, special assessments, and fees owed before closing","HOA Estoppel Certificate",{"situation":233,"recommended_template":234,"slug":235},"Seller disclosing all known property encumbrances and liens","Seller's Affidavit of Title","affidavit-D843",{"situation":237,"recommended_template":238,"slug":239},"Borrower providing a sworn payoff statement for a private mortgage note","Mortgage Payoff Statement","mortgage-D1183",{"situation":241,"recommended_template":242,"slug":243},"Confirming no default or offset exists as part of a commercial loan assumption","Loan Assumption Agreement","secured-lumpsum-promissory-note-agreement-D13041",[245,248,251,254,257,259,262,265,268,271,274],{"term":246,"definition":247},"Estoppel","A legal principle that prevents a party from asserting a position that contradicts what they have previously certified in writing when another party has relied on that certification.",{"term":249,"definition":250},"Mortgagor","The borrower who pledges real property as collateral for a mortgage loan — the party giving the affidavit in this document.",{"term":252,"definition":253},"Mortgagee","The lender who holds the mortgage lien against the borrower's property as security for repayment of the loan.",{"term":255,"definition":256},"Outstanding Principal Balance","The remaining amount of the original loan that has not yet been repaid, excluding accrued interest and fees.",{"term":38,"definition":258},"A written statement of facts voluntarily sworn under oath before a notary public or other authorized officer, carrying legal weight as sworn testimony.",{"term":260,"definition":261},"Mortgage Assignment","The transfer of a mortgage note and lien from the original lender to a new lender or note buyer, often requiring an estoppel affidavit from the borrower.",{"term":263,"definition":264},"Offset or Defense","A claim the borrower could assert against the lender that would reduce or cancel the amount owed — such as a breach of the original loan agreement.",{"term":266,"definition":267},"Notarization","The process by which a licensed notary public verifies the identity of a signatory and witnesses the signature, certifying that the affidavit was sworn voluntarily.",{"term":269,"definition":270},"Encumbrance","Any lien, mortgage, easement, or claim attached to a property that may limit the owner's ability to transfer clear title.",{"term":272,"definition":273},"Closing Date","The specific date on which a real estate transaction or loan assignment is finalized, to which the estoppel certification is typically tied.",{"term":275,"definition":276},"Maturity Date","The date on which the full outstanding loan balance becomes due and payable, as stated in the original mortgage note.",[278,283,288,293,298,303,308,313,318,323],{"name":279,"plain_english":280,"sample_language":281,"common_mistake":282},"Parties and property identification","Identifies the mortgagor by full legal name, the mortgagee by name, the property address, and the legal description of the encumbered real estate.","The undersigned, [MORTGAGOR FULL LEGAL NAME] ('Mortgagor'), hereby certifies the following with respect to that certain mortgage dated [DATE] given to [MORTGAGEE NAME] ('Mortgagee'), encumbering the real property located at [PROPERTY ADDRESS], [CITY], [STATE], legally described as [LEGAL DESCRIPTION].","Using an informal address instead of the full legal property description from the recorded deed. A mismatch between the affidavit description and county records can invalidate the document's title-clearing effect.",{"name":284,"plain_english":285,"sample_language":286,"common_mistake":287},"Outstanding principal balance certification","States the exact unpaid principal balance as of a specific certification date, creating an estoppel against the borrower claiming a different balance later.","As of [CERTIFICATION DATE], the outstanding principal balance due under the Mortgage Note is $[AMOUNT], and no principal payments are in dispute.","Using an approximate or rounded balance instead of the exact figure from the lender's payment ledger. An inaccurate balance certified under oath can expose the borrower to a fraud claim if the true balance differs at closing.",{"name":289,"plain_english":290,"sample_language":291,"common_mistake":292},"Interest rate and payment terms","Confirms the current interest rate, whether it is fixed or adjustable, the monthly payment amount, and the payment due date each month.","The Mortgage Note bears interest at the rate of [X]% per annum, [fixed / adjustable], with monthly installments of $[AMOUNT] due on the [DAY] of each month.","Omitting whether the rate is fixed or adjustable. For an adjustable-rate mortgage, the current rate must be stated along with the next adjustment date and index reference, otherwise the certification is incomplete.",{"name":294,"plain_english":295,"sample_language":296,"common_mistake":297},"Last payment date and payment status","Records the date of the most recent payment received, the period it covers, and whether the loan is current, past due, or in default.","The last payment was received on [DATE] and applied to the installment due [DATE]. As of the date of this Affidavit, the Mortgage loan is [current / in default — describe].","Certifying the loan as current when a payment is in a grace period rather than formally received. If the loan later appears delinquent, this inconsistency undermines the affidavit's reliability and may trigger lender disputes.",{"name":299,"plain_english":300,"sample_language":301,"common_mistake":302},"Maturity date","States the date on which the full remaining loan balance is due, allowing the buyer or new lender to assess the remaining loan term.","The Mortgage Note matures on [MATURITY DATE], at which time the entire outstanding principal balance and all accrued interest shall be due and payable in full.","Confusing the maturity date with the amortization end date on a balloon-payment loan. For balloon mortgages, the maturity date (when the balloon is due) is distinct from the full amortization date — conflating them misstates the true payoff obligation.",{"name":304,"plain_english":305,"sample_language":306,"common_mistake":307},"No offsets, defenses, or counterclaims","The mortgagor certifies that they have no claims, defenses, or offsets against the lender that would reduce or extinguish the debt.","Mortgagor has no offsets, defenses, counterclaims, or claims of any kind against Mortgagee or against the indebtedness evidenced by the Mortgage Note, and no event has occurred that would constitute a basis for any such claim.","Signing this clause without reviewing the loan history for any overcharged fees, escrow errors, or force-placed insurance disputes. Certifying no defenses when a valid claim exists can constitute a waiver of that claim.",{"name":309,"plain_english":310,"sample_language":311,"common_mistake":312},"Disclosure of modifications and side agreements","Confirms that the mortgage note and loan documents have not been modified, amended, or supplemented except as specifically listed.","The Mortgage Note and Mortgage have not been modified, amended, extended, or supplemented, except as follows: [NONE / LIST MODIFICATIONS WITH DATES]. No side agreements exist between Mortgagor and Mortgagee relating to the indebtedness.","Failing to disclose a prior forbearance agreement or loan modification. Undisclosed modifications discovered post-closing expose the mortgagor to fraud liability and may give the note buyer grounds to rescind the assignment.",{"name":314,"plain_english":315,"sample_language":316,"common_mistake":317},"Reliance and inducement","Acknowledges that the recipient — a buyer, title insurer, or new lender — is relying on the certifications in this affidavit to proceed with the transaction.","Mortgagor understands and acknowledges that [RECIPIENT NAME] and its successors and assigns are relying upon the certifications contained in this Affidavit in connection with [DESCRIBE TRANSACTION], and Mortgagor intends that [RECIPIENT NAME] so rely.","Naming only the immediate lender or buyer in the reliance clause and excluding successors and assigns. A note that is later re-sold loses the estoppel protection if the reliance clause does not extend to future holders.",{"name":319,"plain_english":320,"sample_language":321,"common_mistake":322},"Accuracy of information and indemnification","The mortgagor warrants that all certified information is accurate and agrees to indemnify the recipient for losses caused by any material inaccuracy.","Mortgagor warrants that all information contained herein is true, accurate, and complete as of the date hereof, and agrees to indemnify and hold harmless [RECIPIENT NAME] from and against any loss, cost, or damage arising from any material inaccuracy in this Affidavit.","Accepting an unlimited indemnification scope without carving out losses caused by the recipient's own negligence. Without this carve-out, the mortgagor could be liable for losses entirely unrelated to the certified information.",{"name":324,"plain_english":325,"sample_language":326,"common_mistake":327},"Notarized signature block","The mortgagor signs under oath before a notary public, who verifies identity and witnesses the signature to give the affidavit legal force.","Executed this [DAY] day of [MONTH], [YEAR]. [MORTGAGOR SIGNATURE LINE] STATE OF [STATE], COUNTY OF [COUNTY] — Before me, a Notary Public, personally appeared [NAME], known to me to be the person who executed this Affidavit and acknowledged that they executed the same as their free and voluntary act.","Having the document signed outside the presence of a notary and mailed in. An affidavit signed without live notarization is not sworn testimony and may be rejected by courts and title insurers as fatally defective.",[329,334,339,344,349,354,359,364],{"step":330,"title":331,"description":332,"tip":333},1,"Gather the original loan documents","Collect the original mortgage note, deed of trust, and any recorded modifications or forbearance agreements before completing any field. Every certified figure must match the lender's payment history and recorded instruments.","Request a formal payoff or loan status letter from your lender dated within 10 days of the affidavit — this is the authoritative source for the principal balance and payment status.",{"step":335,"title":336,"description":337,"tip":338},2,"Enter the full legal names of all parties","Use the mortgagor's exact legal name as it appears on the original loan documents and the deed. Use the mortgagee's full registered entity name. Abbreviations or trade names that differ from recorded instruments can create title defects.","If the mortgagee has changed its name or been acquired since the loan was originated, use the current legal name and reference the predecessor in a parenthetical.",{"step":340,"title":341,"description":342,"tip":343},3,"Insert the property legal description","Copy the legal description from the recorded deed or title commitment exactly — lot number, block, subdivision, and county. Do not substitute a street address for the legal description in this field.","Pull the legal description directly from the county recorder's digital record to eliminate transcription errors that could invalidate the affidavit.",{"step":345,"title":346,"description":347,"tip":348},4,"Certify the outstanding principal balance and rate","Enter the exact principal balance as of the certification date, the interest rate (and whether fixed or adjustable), and the monthly payment amount. For adjustable-rate loans, state the current rate and the next adjustment date.","Use a certification date that is as close as possible to the closing date — lenders typically accept certifications within 30 days, but title companies may require 10 days or fewer.",{"step":350,"title":351,"description":352,"tip":353},5,"Confirm payment status and last payment date","State the date the last payment was received and the period it covered. Explicitly state whether the loan is current or in default. If in default, describe the nature and amount of the delinquency.","Do not estimate the last payment date from memory — retrieve the confirmation number or bank statement showing the payment was received, not just sent.",{"step":355,"title":356,"description":357,"tip":358},6,"Disclose all modifications and side agreements","List every loan modification, deferral, forbearance agreement, or rate adjustment by date. If none exist, write 'None' explicitly — leaving the field blank is not equivalent and may be treated as incomplete.","Include COVID-era forbearance agreements even if the deferred amounts have been repaid — note buyers conduct due diligence on the loan history and undisclosed forbearance is a common red flag.",{"step":360,"title":361,"description":362,"tip":363},7,"Review and sign before a notary public","Read every certified statement against your source documents before appearing before the notary. Sign only in the notary's presence, with valid government-issued photo identification available for verification.","Schedule the notarization within 5 business days of the closing date to ensure the certification date aligns with the lender's expectation for a current statement.",{"step":365,"title":366,"description":367,"tip":368},8,"Deliver the executed original to the requesting party","Provide the wet-signed, notarized original to the title company, buyer's counsel, or lender as specified in the closing instructions. Retain a certified copy for your records.","Confirm whether the recipient requires the original or will accept a notarized copy — some title insurers require the original for their policy file.",[370,374,378,382],{"mistake":371,"why_it_matters":372,"fix":373},"Certifying an estimated rather than exact principal balance","An approximate balance certified under oath becomes a sworn inaccuracy if the true figure differs, exposing the mortgagor to fraud or misrepresentation claims by the recipient who relied on it.","Obtain a formal loan status letter from the lender dated within 10 days of the affidavit and use the balance stated in that letter — no rounding or estimation.",{"mistake":375,"why_it_matters":376,"fix":377},"Signing outside the notary's presence","An affidavit that has not been sworn before a notary is not a sworn statement and is routinely rejected by title insurers, courts, and secondary-market lenders as legally defective.","Always appear in person before a licensed notary with valid photo ID and sign only when the notary is physically present to witness and acknowledge the signature.",{"mistake":379,"why_it_matters":380,"fix":381},"Omitting a prior loan modification or forbearance agreement","Undisclosed modifications discovered during post-closing due diligence give the note buyer or title insurer grounds to claim the affidavit was fraudulent, potentially rescinding the transaction or triggering indemnity claims.","Review the complete loan file for any modification, deferral, extension, or forbearance — no matter how minor — and list each one by date in the modifications disclosure clause.",{"mistake":383,"why_it_matters":384,"fix":385},"Using a street address instead of the legal property description","Street addresses are not title-quality identifiers — they can change, duplicate across jurisdictions, or fail to match the recorded instrument, leaving the affidavit without a clear connection to the encumbered property.","Copy the full legal description — including lot, block, subdivision, and recording reference — directly from the county recorder's record or title commitment.",[387,390,393,396,399,402,405,408,411],{"question":388,"answer":389},"What is an estoppel affidavit of mortgagor?","An estoppel affidavit of mortgagor is a sworn written statement in which the borrower certifies the current status of their mortgage loan — including the outstanding principal balance, interest rate, payment status, and the absence of any defenses or offsets against the lender. Once signed before a notary, the mortgagor is legally prevented (estopped) from asserting facts that contradict what they certified, protecting buyers, title companies, and note purchasers who relied on the document.\n",{"question":391,"answer":392},"When is an estoppel affidavit of mortgagor required?","It is typically required when an existing mortgage is being assigned to a new lender, when a property is being sold and the buyer's title company needs to confirm encumbrance balances, when a lender is purchasing a mortgage note on the secondary market, or when a borrower is refinancing and the new lender requires a sworn confirmation of the current loan terms. Some commercial transactions require one as a standard closing condition.\n",{"question":394,"answer":395},"What is the difference between an estoppel affidavit and an estoppel certificate?","Both documents certify facts to prevent later contradiction, but an estoppel affidavit is sworn under oath before a notary public, giving it the weight of sworn testimony. An estoppel certificate is typically a signed but unsworn acknowledgment used in commercial real estate for tenant lease certifications. For mortgage transactions, lenders and title insurers generally prefer the affidavit form because the notarization adds an additional layer of legal enforceability.\n",{"question":397,"answer":398},"Does an estoppel affidavit of mortgagor need to be notarized?","Yes, in virtually all use cases. The notarization transforms the document from a simple written statement into sworn testimony, making the estoppel legally binding and admissible as evidence. Title insurers and secondary-market lenders typically refuse to accept an un-notarized affidavit. Some states also require notarization as a statutory condition for the document to be recorded or to create estoppel by deed.\n",{"question":400,"answer":401},"Can a mortgagor be held liable for inaccuracies in the affidavit?","Yes. Because the affidavit is sworn under oath, a material inaccuracy — particularly one that a buyer, lender, or title company relied on to their detriment — can expose the mortgagor to claims of fraud, negligent misrepresentation, or breach of warranty. Most affidavits also include an express indemnification clause requiring the mortgagor to compensate the recipient for any loss caused by an inaccurate certification. Always verify every figure against source documents before signing.\n",{"question":403,"answer":404},"How current does the principal balance certification need to be?","Most title companies and lenders require the certified balance to be as of a date no more than 30 days before closing, and many commercial transactions require 10 days or fewer. The certification date should always be stated explicitly in the affidavit. If the closing is delayed past the certification's effective window, a new affidavit with an updated balance will typically be required.\n",{"question":406,"answer":407},"What happens if the mortgagor has a legitimate defense against the lender?","If a genuine offset or defense exists — such as a documented escrow overcharge, force-placed insurance dispute, or lender breach — the mortgagor should not certify that no defenses exist. Instead, the known dispute should be disclosed in the affidavit and the parties should resolve it before or at closing. Signing away a valid defense by certifying it does not exist is generally treated as a waiver of that claim in most jurisdictions, so legal counsel should review the loan history before execution.\n",{"question":409,"answer":410},"Is an estoppel affidavit the same as a mortgage payoff statement?","No. A payoff statement is issued by the lender and states the exact dollar amount needed to fully satisfy and discharge the loan on a specific date, typically including per-diem interest. An estoppel affidavit of mortgagor is issued by the borrower and certifies the loan's current status and terms. Both documents are often required in the same closing package, but they serve different functions and come from opposite parties.\n",{"question":412,"answer":413},"Do I need a lawyer to complete an estoppel affidavit of mortgagor?","For straightforward residential transactions where the loan has no modifications, no disputes, and is clearly current, a well-structured template is often sufficient. However, legal review is strongly recommended if the loan has been modified, if there are any payment disputes, if the transaction is commercial, or if the indemnification clause is unusually broad. A real estate attorney can typically review the completed affidavit in under an hour at a cost of $150–$400 — worthwhile given the sworn-statement liability involved.\n",[415,419,423,427],{"industry":416,"icon_asset_id":417,"specifics":418},"Residential Real Estate","industry-real-estate","Used at closing to certify the existing mortgage balance and payment status before the buyer's lender funds the new loan or the title company issues its policy.",{"industry":420,"icon_asset_id":421,"specifics":422},"Commercial Real Estate","industry-commercial-real-estate","Required by note buyers and commercial lenders during loan assumption or assignment transactions, often alongside tenant estoppel certificates and SNDA agreements.",{"industry":424,"icon_asset_id":425,"specifics":426},"Banking and Mortgage Lending","industry-fintech","Secondary-market note purchasers require executed mortgagor estoppel affidavits as part of the loan-file due-diligence package before funding a note acquisition.",{"industry":428,"icon_asset_id":429,"specifics":430},"Title Insurance","industry-title-insurance","Title underwriters use the affidavit to confirm encumbrance balances and the absence of borrower defenses before committing to insure a property transfer free and clear of the existing mortgage.",[432,435,438,442],{"vs":225,"vs_template_id":433,"summary":434},"D{MORTGAGEE_ESTOPPEL_ID}","A mortgagee estoppel certificate is issued by the lender certifying the loan terms to a buyer or title company. An estoppel affidavit of mortgagor is issued by the borrower certifying the same facts from the borrower's perspective. Lenders often require both in the same transaction — the mortgagee's certificate confirms what the lender believes is owed; the mortgagor's affidavit confirms the borrower agrees and has no offsets.",{"vs":238,"vs_template_id":436,"summary":437},"D{PAYOFF_STATEMENT_ID}","A payoff statement is a lender-issued document stating the exact dollar amount needed to fully discharge the loan as of a specific date, including per-diem interest. An estoppel affidavit of mortgagor is a borrower-issued sworn statement certifying current loan status and the absence of defenses. A payoff statement quantifies the debt for discharge; the affidavit certifies the debt's terms and status for reliance by a third party.",{"vs":439,"vs_template_id":440,"summary":441},"Deed of Trust","D{DEED_OF_TRUST_ID}","A deed of trust is the original security instrument that creates the mortgage lien against the property when the loan is originated. An estoppel affidavit of mortgagor is a certification document used later in the loan's life to confirm the current status of the obligations created by the deed of trust. The deed of trust establishes the encumbrance; the affidavit verifies its current state.",{"vs":242,"vs_template_id":443,"summary":444},"D{LOAN_ASSUMPTION_ID}","A loan assumption agreement transfers the mortgage obligation from the original borrower to a new buyer who takes over the existing loan. An estoppel affidavit of mortgagor is the certification that typically precedes a loan assumption, establishing the baseline terms and balance the assuming party is taking on. The affidavit is an input to the assumption; the assumption agreement is the operative transfer document.",{"use_template":446,"template_plus_review":450,"custom_drafted":454},{"best_for":447,"cost":448,"time":449},"Straightforward residential mortgage certifications with no modifications, disputes, or payment delinquencies","Free","30–60 minutes",{"best_for":451,"cost":452,"time":453},"Loans with prior modifications, forbearance history, payment disputes, or broad indemnification clauses","$150–$400 (real estate attorney review)","1–2 business days",{"best_for":455,"cost":456,"time":457},"Complex commercial transactions, multi-lender loans, litigation history, or cross-border note assignments","$750–$2,500+","3–7 business days",[459,464,469,474],{"code":460,"name":461,"flag_asset_id":462,"note":463},"us","United States","flag-us","Requirements vary by state. In Florida, estoppel affidavits are commonly required by statute in HOA and condominium transactions and must be delivered within specific timeframes. Several states — including New York and California — require the affidavit to be acknowledged before a notary in the state where the property is located. Failure to disclose a material inaccuracy under oath can constitute perjury in addition to civil liability.",{"code":465,"name":466,"flag_asset_id":467,"note":468},"ca","Canada","flag-ca","Canadian mortgage transactions more commonly use an estoppel certificate or acknowledgment form rather than a sworn affidavit, but lenders in Ontario and British Columbia increasingly require notarized borrower certifications for secondary-market note sales. Quebec's civil law tradition applies distinct rules for sworn declarations before a commissioner of oaths, and French-language documents are required for provincially regulated transactions in Quebec.",{"code":470,"name":471,"flag_asset_id":472,"note":473},"uk","United Kingdom","flag-uk","English and Welsh property law uses estoppel as an equitable doctrine rather than through a standardized affidavit form; solicitors typically obtain borrower confirmations through a formal letter of undertaking or statutory declaration. In Scotland, the distinct legal system uses similar sworn declaration procedures before a notary public or justice of the peace. Mortgage regulatory requirements under the Financial Conduct Authority may impose additional disclosure obligations on lenders before requesting borrower certifications.",{"code":475,"name":476,"flag_asset_id":477,"note":478},"eu","European Union","flag-eu","EU member states apply varying mortgage disclosure regimes under the Mortgage Credit Directive (2014/17/EU), which standardizes pre-contractual information but does not prescribe a specific estoppel affidavit format. Germany requires notarized real estate instruments before a Notar, which typically incorporates borrower certifications into the deed process. France and Spain use notarial acts that serve a similar function to the affidavit. Cross-border note assignments within the EU may trigger GDPR considerations when borrower information is shared with the note purchaser.",[480,239,481,482,235,235,483,484,485,486,487,488],"assignment-of-deed-of-trust-D975","promissory-note-D434","real-estate-purchase-agreement-D13234","loan-agreement-D417","assignment-of-mortgage-D1156","release-of-mortgage-D12710","deed-of-sale-real-estate-property-D1172","offer-to-purchase-real-estate-property-D1190","general-power-of-attorney-D1037",{"emit_how_to":189,"emit_defined_term":189},{"primary_folder":80,"secondary_folder":491,"document_type":492,"industry":493,"business_stage":494,"tags":495,"confidence":498},"loans-and-promissory-notes","form","real-estate","all-stages",[493,496,497,102],"legal","estoppel-affidavit",0.85,"\u003Ch2>What is an Estoppel Affidavit of Mortgagor?\u003C/h2>\n\u003Cp>An \u003Cstrong>Estoppel Affidavit of Mortgagor\u003C/strong> is a sworn, notarized statement in which the borrower on a mortgage loan certifies the current status of that loan — including the exact outstanding principal balance, interest rate, monthly payment amount, last payment date, maturity date, and the absence of any known defenses or offsets against the lender. Once signed under oath before a notary public, the mortgagor is legally bound by those certifications and cannot later contradict them, which is the core function of estoppel as a legal doctrine. The document is used by buyers, title companies, note purchasers, and new lenders as reliable, third-party-reliance evidence that the loan's terms and status are exactly as represented.\u003C/p>\n\u003Ch2>Why You Need This Document\u003C/h2>\n\u003Cp>Without a properly executed estoppel affidavit, buyers and note purchasers have no sworn confirmation that the mortgage balance, payment history, and loan terms are as represented — leaving them exposed to claims that the debt is larger, in default, or subject to borrower defenses that were never disclosed. Title companies cannot issue a clean policy over an existing mortgage without knowing its certified status. Secondary-market note buyers will not fund a loan acquisition without it. A borrower who fails to provide an accurate, notarized affidavit can delay or kill a closing, trigger indemnity claims, or face personal liability for losses caused by material inaccuracies certified under oath. This template gives you a complete, legally structured affidavit you can fill out in under an hour and execute before any notary — closing the documentation gap that title companies and lenders require before every covered transaction.\u003C/p>\n",1781186036513]