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The Mortgage Note is the document that outlines the key terms of the mortgage and indicates the borrower's promise to repay the debt. As you can see in the example Mortgage Note below, the document outlines the monthly payment and when it is due, the interest rate, loan charges, any late fees or pre payment penalty and default terms. In short, the Mortgage Note tells you everything you need to know about your loan.
If you have a question about your mortgage, the note is the first place you should look. For example, if your lender attempts to change your loan terms or charge you extra fees, review your Mortgage Note to understand what is permitted. The note is the document that determines how your loan works and if your mortgage terms can change over time. Because it is such an important document, we recommend that you keep your Mortgage Note in a safe place that is easily accessible. Please note that this is an example Mortgage Note that should be used for informational purposes only.