Assignment of Mortgage by Individual Mortgage Holder - Massachusetts 2026

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  1. Click ‘Get Form’ to open the Assignment of Mortgage in the editor.
  2. Begin by filling in the 'Prepared by and after Recording Return to' section. Enter your name, firm/company, address, city, state, zip code, and phone number.
  3. In the 'Assessor’s Property Tax Parcel/Account Number' field, input the relevant property tax information for accurate record-keeping.
  4. Next, complete the 'Name and Address of Assignor' and 'Name and Address of Assignee' sections with the respective parties' details.
  5. Fill in the mortgage details including 'Date of Mortgage', 'Executed by (Mortgagor(s))', and 'To and in favor of (Mortgagee)'. Ensure accuracy as this is crucial for legal validity.
  6. Provide information on where the mortgage is filed by entering the Book, Page, Document/Inst. No., and Registry details.
  7. Specify the property description as stated in the original mortgage document.
  8. Complete any monetary amounts related to the Promissory Note that secures this mortgage assignment.
  9. Finally, sign and date at the bottom of the form. Ensure you have a notary public present for acknowledgment.

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If only one persons name is on the mortgage loan, the other can still be added to the home title after closing, making them a co-owner. Keep in mind that the person on the loan is the one whos legally responsible for making mortgage payments and dealing with credit consequences if they default.
Such transfers often happen when a lender sells the mortgage to another financial institution or when borrowers refinance their loans for better terms. Mortgage assignments are essential because they help lenders manage risk and liquidity while offering borrowers new options and potential benefits.
To complete the transfer of rights, the lender (assignor) records the assignment of the mortgage with the local registry office, specifying the new holder (assignee) of the mortgage.
A transfer of mortgage allows a borrower or lender to assign an existing mortgage to another person or entity if the mortgage terms permit it. Not all mortgages are transferable; those that are transferable are known as assumable mortgages.
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