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In Florida, is a lender required to record both the mortgage and the note? or just the mortgage?

Hollywood, FL |

In Florida, a private lender is to record both mortgage and note in order to secure the loan/investment? or does the law and/or common practice just requires to record the mortgage but not necessarily the note? Thank you.

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Attorney answers 4


Notes almost never get recorded. Only the mortgage gets recorded.


Many people and companies want to keep the details of the note private. The lender is required to have the note in their possession, and foreclosures can be fought over that requirement, but usually the mortgage is the only thing recorded.

The dialogue on this website does not constitute legal advice nor does it form any sort of attorney-client relationship.


Typically only the mortgage is recorded, but there is nothing preventing the note from also being recorded, usually as an attachment to the mortgage. If the parties don't object, I believe recording the note, especially if it is an original note, is a great way to avoid the "lost note" issue.

On the other hand, recording the note could cause some difficulties in selling the note and mortgage, but only if it is done as the many mortgages/notes were being done in the securitization marketplace. Just because a note is also recorded does not prevent its being sold, and the sale would only require that an Assignment of Mortgage and Note also be recorded to evidence that transaction.

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The mortgage should be recorded to protect that lien interest against others. The note can be recorded, but it's not necessary and very rare to do so.

Please be advised that this answer is only a general response for educational purposes only. This attorney may not know enough facts about this situation to provide the best answer and this is not intended to be legal advice.

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