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Mortgage Assignment Agreement

A mortgage assignment agreement is between a holder of debt (assignor) and a party that assumes the debt (assignee). Under most mortgages, the borrower has no rights to object. Since a mortgage is centered upon a specific borrower's credit profile, it is difficult to replace with a new borrower.
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Updated September 30, 2024

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Where to Record

Any change made to a mortgage should be recorded in the Registry of Deeds (see table below) where the property is located. This will make the change official for public and private purposes.

State Registry of Deeds Statutes
 Alabama County Probate Judge

§ 43-2-420
 Alaska District Recorder’s Office § 34.20.010
 Arizona County Recorder’s Office § 33-706
 Arkansas Circuit Court § 18-40-104
 California County Recorder’s Office § 2934
 Colorado County Recorder’s Office § 38-36-161
 Connecticut County Recording Office § 49-10
 Delaware
Kent, New Castle, or Sussex County
§ 2109
 Florida County Recording Office § 701.02
 Georgia Clerk of the Superior Court § 44-2-6
 Hawaii Hawaii Bureau of Conveyances § 506-8
 Idaho County Recorder’s Office § 45-909
 Illinois County Recorder’s Office 765 ILCS 905/2
 Indiana County Recorder’s Office § 32-29-1-8
 Iowa County Recorder’s Office § 589.10
 Kansas Kansas Register of Deeds Association § 58-2306
 Kentucky County Clerk’s Office § 382.360
 Louisiana Clerk of Court’s Office § 9:5386
 Maine County Registry of Deeds § 770
 Maryland Division of Land Records at the Circuit Court § 7-101
 Massachusetts County Registry of Deeds § 28
 Michigan County Registry of Deeds § 565.33
 Minnesota County Recorder’s Office § 507.401
 Mississippi Clerk of the Chancery Clerk’s Office § 89-5-17
 Missouri County Recorder of Deeds § 443.035
 Montana County Clerk and Recorder’s Office § 71-1-207
 Nebraska County Recorder’s Office § 76-253
 Nevada County Recorders NRS 106.210
 New Hampshire County Registry of Deeds Office § 479:7
 New Jersey County Clerk’s Office § 46:9-9
 New Mexico County Clerk’s Office § 14-9-1
 New York County Court Clerk’s Office RPP § 275
 North Carolina County Registry of Deeds § 47-17.2
 North Dakota County Recorder’s Office § 35-01-25
 Ohio County Recorder’s Office § 5301.31
 Oklahoma County Clerk’s Office § 46-13
 Oregon Varies by County § 86.060
 Pennsylvania Land Records § 21 Pa. Stat. 623-1
 Rhode Island City/Town Office § 34-26-4
 South Carolina County Recorders of Deeds § 29-3-10
 South Dakota County Registry of Deeds § 30-7-30
 Tennessee County Recorder’s Office § 66-25-101
 Texas County Register of Deeds § 12.001
 Utah County Recorder’s Office § 57-1-14
 Vermont County Clerk’s Office § 1158
 Virginia Clerk of the Circuit Court § 55.1-336
 Washington County Recorder’s Office RCW 61.16.010
Washington D.C. Recorder of Deeds § 42-801
West Virginia County Clerk’s Office § 38-12-1
 Wisconsin County Register of Deeds § 708.11
 Wyoming County Records § 34-5-105