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Mortgages should be recorded in the Office of the County Clerk of the county in which the real property being mortgaged is located. When recording a mortgage, it is your lender's responsibility to take the proper steps to ensure that the document meets all of the legal requirements for recording. Please be sure to consult an attorney if necessary.


Submitting your mortgage to be recorded using PREP:

In order to record a mortgage in the Office of the Westchester County Clerk, your mortgage must be accompanied by:

1) A Recording and Endorsement Cover Page created on the PREP System; and
2) A Payment Cover Page created on the PREP System and the proper recording fees and tax payments.

Mortgage Tax:

For the most current tax information please visit the NYS Department of Taxation and Finance website. Mortgage tax can be computed by calculating 1.3% of the mortgage amount less $30.00 for one or two family dwellings when indicated in the mortgage. For Yonkers properties, mortgage tax can be computed by calculating 1.8% of the mortgage amount less $30.00 for one or two family dwellings when indicated in the mortgage. For mortgages of $10,000 or less on one or two family dwellings, the tax rate is 1% except in Yonkers where the tax rate is 1.5%. In calculating the tax, amounts of $50.00 or below can be rounded down to the lower hundred and amounts of $50.01 should be rounded up to the next hundred.

Returning your mortgage:

Once a mortgage has been accepted for recording, it is digitally scanned for easy retrieval and to safeguard the document.  After scanning and digitally archiving the mortgage, the original will be returned to the address that appears in the Record and Return Box on the cover page. If you need a certified copy of the mortgage quickly, you should order a certified copy at the time the document is submitted for recording.

Questions? Call us at (914)995-3094, (914)995-3095, or email

 

Calendar of Events

Monday, January 16

Martin Luther King, Jr.'s Birthday
Office closed
Office will reopen on Tuesday, January 17th at 8 am


Monday, February 20

Presidents' Day
Office closed
Office will reopen on Tuesday, February 21st at 8 am


Wednesday, March 8

Naturalization Ceremony
2 p.m.
Daronco Courthouse, 111 Dr. Martin Luther King, Jr. Blvd. White Plains, NY 10601

 

Calendar of Events

Visiting Our Office?

To visit our office, enter through the Richard J. Daronco Courthouse located at 111 Dr. Martin Luther King, Jr. Blvd. in White Plains. Our office is open Monday through Friday from 8 a.m. until 5 p.m., excluding official holidays.