The Mortgage and Security Agreement is a fundamental document in U.S. real estate financing, used when a lender requires security in both real property and personal property collateral. This combined agreement streamlines documentation by incorporating both mortgage provisions and UCC Article 9 security interests in a single instrument. The document is particularly useful in commercial real estate transactions where both the real property and associated personal property (such as equipment or inventory) serve as collateral. It must comply with federal regulations including TILA and RESPA, as well as state-specific property and recording laws.
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1. Parties: Identifies lender, borrower, and any guarantors
2. Background: Context of the loan and security arrangement
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Terms: Principal, interest rate, payment schedule, and maturity date
5. Security Interest: Description of collateral and grant of security interest
6. Representations and Warranties: Borrower's statements about their legal and financial status
7. Covenants: Ongoing obligations of the borrower
8. Default Provisions: Events of default and remedies
9. Governing Law: Applicable jurisdiction and choice of law
1. Insurance Requirements: Specific insurance requirements for the property when lender requires specific coverage
2. Environmental Provisions: Environmental warranties and indemnities for commercial properties or properties with environmental risks
3. Secondary Financing: Provisions regarding additional loans when allowing or restricting additional financing
1. Property Description Schedule: Legal description of the mortgaged property
2. Payment Schedule: Detailed amortization schedule
3. Permitted Encumbrances Schedule: List of approved liens or encumbrances on the property
4. Required Insurance Schedule: Detailed insurance requirements and minimum coverage amounts
5. Required Repairs Schedule: List of repairs required as condition of the loan
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