How to File a Mortgage in Michigan
To the average consumer, a mortgage is a loan that allows her to purchase a home. Mortgages have specific legal consequences. Failure to pay the loan back can result in foreclosure of the home. When property has been mortgaged, interested parties have the right to know that a lien on the property exists. Mortgages in Michigan must be filed at the property records office in the county where the land is situated.
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Instructions
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Sign the mortgage document in the presence of a Michigan notary public. Prior to filing the mortgage (called "recording" the mortgage), the document must have original signatures.
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Notarize the mortgage document. After signing the document, be sure to have a Michigan notary public subscribe his or her seal to the document and sign it. This provides further authenticity to the mortgage.
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Bring the mortgage document to the property records office in the county where the land is situated. Ask the clerk to record the interest. Recording fees may vary. Typically, the fee is $10 for the first page and $3 for each subsequent page (as of 2010).
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