Office of the Revisor of Statutes
2025 Minnesota Statutes Index (topics)
MORTGAGES
See also CONVEYANCES; MORTGAGE CORPORATIONS; MORTGAGE GUARANTY INSURANCE; MORTGAGE REGISTRY TAXES; REAL PROPERTY; TRACT INDEXES
Accelerated mortgage payment providers
Accounts and accounting, Minn. Statutes 2025 332.303
Background checks, Minn. Statutes 2025 332.301
Bond requirements, Minn. Statutes 2025 332.30
Debt management services providers, exclusion, Minn. Statutes 2025 332A.02
Definitions, Minn. Statutes 2025 332A.02
Generally, Minn. Statutes 2025 332.302
Adverse claims to real property, Minn. Statutes 2025 559.17 to 559.19
Advertisement of terms, Minn. Statutes 2025 47.206
Affidavits, filing or recording
Mortgage registry taxes, Minn. Statutes 2025 287.05
Notice to third-party designee, Minn. Statutes 2025 47.58
Amendments
Deed taxes, exemption, Minn. Statutes 2025 287.22
Form, Minn. Statutes 2025 287.05
Mortgage registry taxes, exemption, Minn. Statutes 2025 287.04
Armories
Armory Building Commission, securing, conditions, Minn. Statutes 2025 193.147
Mortgage registry taxes, exemption, Minn. Statutes 2025 287.04
Assignees defined as purchasers, recording conveyances, Minn. Statutes 2025 507.01
Assignment
Corporate identity changes, Minn. Statutes 2025 507.411
Deed taxes, exemption, Minn. Statutes 2025 287.22
Defined as conveyance, Minn. Statutes 2025 507.01
Generally, Minn. Statutes 2025 47.205
Recorded assignment, Minn. Statutes 2025 287.10, 507.32
Assumptions, Minn. Statutes 2025 47.20
Background checks, accelerated mortgage payment providers, Minn. Statutes 2025 332.301
Banks with trust powers, investment powers, Minn. Statutes 2025 48A.08
Bills of lading, negotiating bills with mortgages, fines, Minn. Statutes 2025 228.48
Business corporations, rights, powers of corporation regarding, Minn. Statutes 2025 302A.161
Campaign finance and public disclosure, Minn. Statutes 2025 10A.01
Canada, investments in, insurance companies, Minn. Statutes 2025 60A.11
Certificates of release of mortgage, Minn. Statutes 2025 507.401
Certificates of release or partial release of lien, Minn. Statutes 2025 507.403
Certificates of satisfaction by assignee, Minn. Statutes 2025 507.403
Certified copies, discharges, recording, Minn. Statutes 2025 507.40
Chattel mortgages, see CHATTEL MORTGAGES
"Churning", residential mortgage loans, Minn. Statutes 2025 58.13, 58.18
Claims secured by, defined as credits, Minn. Statutes 2025 272.03
Commercial mortgage activities, residential mortgage originator and servicer licenses, exemptions, Minn. Statutes 2025 58.05
Commercial mortgage loans
Definitions, Minn. Statutes 2025 60A.121
Insurance companies, Minn. Statutes 2025 60A.122, 60A.123, 60A.1285, 60A.1291
Community land trusts, Minn. Statutes 2025 462A.31
Condominiums, Minn. Statutes 2025 515.02
Conflicts of interest, Rural Finance Authority, members or employees, Minn. Statutes 2025 41C.11
Construction mortgages
Defined, Minn. Statutes 2025 336.2A-309, 336.9-102
Security interests, perfection and priority, Minn. Statutes 2025 336.9-334
Contracts for deeds
Interest, Minn. Statutes 2025 334.01
Investor sellers, Minn. Statutes 2025 559A.04
Cooperative apartment loans
Assignment or sale, Minn. Statutes 2025 47.206
Discount point agreements, Minn. Statutes 2025 47.206
Generally, Minn. Statutes 2025 47.20
Graduated payment home loans, Minn. Statutes 2025 47.201
Insurance rates, Minn. Statutes 2025 47.20, 47.206
Cooperative associations
Corporate powers, Minn. Statutes 2025 308A.201
Rights, powers of association regarding, Minn. Statutes 2025 308B.301
Cooperative power associations, Minn. Statutes 2025 507.327
Covenants, short form mortgages, Minn. Statutes 2025 507.15
Customer information security program, Minn. Statutes 2025 46A.01 to 46A.08
Damages, failure to discharge, Minn. Statutes 2025 507.41
Deed taxes, exemptions, Minn. Statutes 2025 287.22
Defeating security, violations and penalties, Minn. Statutes 2025 609.615
Deficiency judgment, Minn. Statutes 2025 582.30
Definitions
Certificates of release of mortgage, Minn. Statutes 2025 507.401
Commercial Code, Minn. Statutes 2025 336.2A-309, 336.9-102
Customer information security program, Minn. Statutes 2025 46A.01
Guardianship and protective proceedings, Minn. Statutes 2025 524.5-418
Housing Finance Agency, Minn. Statutes 2025 462A.03
Insurance law, Minn. Statutes 2025 60A.121
MFIP, Minn. Statutes 2025 142G.02
Mortgage registry tax, Minn. Statutes 2025 287.01
Municipal housing programs, Minn. Statutes 2025 462C.02
Partnerships, Minn. Statutes 2025 323A.0101
Residential Mortgage Originator and Servicer Licensing Act, Minn. Statutes 2025 58.02
Statutory construction, Minn. Statutes 2025 645.44
Uniform Probate Code, Minn. Statutes 2025 524.1-201
Delinquent mortgage loans, insurance companies, Minn. Statutes 2025 60A.123, 60A.127
Descriptions of property, misdescription, correction instruments, mortgage registry taxes, exemption, Minn. Statutes 2025 287.04
Discharge, certified copies, electronic records, Minn. Statutes 2025 507.40
Disclosures, interest rate or discount point agreements, Minn. Statutes 2025 47.206
Discount point agreements, Minn. Statutes 2025 47.20, 47.206
Discriminatory provisions restricting conveyance of real property, Minn. Statutes 2025 507.18
Distressed mortgage loans
Defined, Minn. Statutes 2025 60A.121
Insurance companies, Minn. Statutes 2025 60A.123, 60A.127
Dual tracking, loss mitigation applications, stay of foreclosure process, Minn. Statutes 2025 582.043
Eligibility, Minn. Statutes 2025 41C.05
Escrow accounts, Minn. Statutes 2025 47.20, 47.205
Evidence, Minn. Statutes 2025 287.10, 507.403, 507.411
Extensions
Deed taxes, exemption, Minn. Statutes 2025 287.22
Mortgage registry taxes, exemption, Minn. Statutes 2025 287.04
Farms, drafting, Minn. Statutes 2025 481.02
Federal preemption
Limitations on interest and other charges, Minn. Statutes 2025 47.204
Override, Minn. Statutes 2025 47.203
Finance charges, precomputed, refunds, Minn. Statutes 2025 47.20
Fines
Cooperative apartment loans, unlawful interest rates, Minn. Statutes 2025 47.20
Satisfaction of mortgage, failure to deliver, Minn. Statutes 2025 47.208
First-generation homebuyers down payment assistance program, Minn. Statutes 2025 462A.41
First mortgages, investment companies, assets, types permitted, Minn. Statutes 2025 54.27
Fixture filing, defined, Minn. Statutes 2025 336.2A-309
Foreclosure, see Mortgages under FORECLOSURE
Foreign corporations
Business transactions, exceptions, Minn. Statutes 2025 303.03
Violations, effect, Minn. Statutes 2025 303.17
Forms
Amendments, Minn. Statutes 2025 287.05
Conveyances, Minn. Statutes 2025 507.09
Drafters, inclusion of names and addresses, Minn. Statutes 2025 507.091
Multistate mortgages, Minn. Statutes 2025 287.05
Real property in Minnesota, security for, Minn. Statutes 2025 287.05
Short form mortgages, Minn. Statutes 2025 507.15
Fraternal benefit societies, mortgage registry taxes, exemption, Minn. Statutes 2025 287.04
Fraud, residential mortgage fraud, Minn. Statutes 2025 609.822
Gambling debts, mortgage void, Minn. Statutes 2025 541.21
Gas companies, Minn. Statutes 2025 507.327
Graduated payment home loans, Minn. Statutes 2025 47.201
High-risk mortgage-backed securities, investments in, public funds (local), exclusions, Minn. Statutes 2025 118A.04
Housing cooperatives, rights, Minn. Statutes 2025 308C.301
Housing projects in blighted areas, security, Minn. Statutes 2025 469.012
Implied covenants, Minn. Statutes 2025 507.16
Industrial development projects, see Mortgages under INDUSTRIAL DEVELOPMENT DISTRICTS
Insurance
Excess insurance, Minn. Statutes 2025 65A.09, 72A.31
Group accidental death and disability income insurance policies, Minn. Statutes 2025 62A.10
Group life insurance policies, provisions, Minn. Statutes 2025 61A.09
Guaranty insurance, see MORTGAGE GUARANTY INSURANCE
Private mortgage insurance, Minn. Statutes 2025 47.207
Reverse mortgages, Minn. Statutes 2025 47.58
Insurance companies
Definitions, Minn. Statutes 2025 60A.121
Direct write-downs, Minn. Statutes 2025 60A.123, 60A.1285
Fire insurance settlement proceeds, release to mortgagee, Minn. Statutes 2025 65A.50
Generally, Minn. Statutes 2025 60A.127
Impairment, measurement, Minn. Statutes 2025 60A.123
Investments, Minn. Statutes 2025 60A.11
Life insurance companies, Minn. Statutes 2025 61A.09, 61A.28
Losses, permanent impairments, realized losses, Minn. Statutes 2025 60A.1285
Valuation, Minn. Statutes 2025 60A.123
Interest
Conventional mortgage loans, Minn. Statutes 2025 47.20, 334.01
Limitations, Minn. Statutes 2025 47.204
Reverse mortgages, mortgage registry tax, exemption, Minn. Statutes 2025 287.05
Interest rate agreements, Minn. Statutes 2025 47.206
Investment grade, Minn. Statutes 2025 58.13
Investments in
Housing Finance Agency, powers, Minn. Statutes 2025 462A.05
Insurance companies, Minn. Statutes 2025 60A.11
Investment Board, Minn. Statutes 2025 11A.24
Public funds (local), Minn. Statutes 2025 118A.04
Public retirement plans, Minn. Statutes 2025 356A.06
Savings banks, Minn. Statutes 2025 50.14
Investor sellers, contracts for deeds, Minn. Statutes 2025 559A.04
Joint tenants, satisfaction or release, Minn. Statutes 2025 507.412
Land registration, see Mortgages under LAND REGISTRATION
Life insurance companies
Group life insurance, policies, Minn. Statutes 2025 61A.09
Loans secured by mortgages, investments, Minn. Statutes 2025 61A.28
Limited liability companies, see Mortgages under LIMITED LIABILITY COMPANIES
Long-term residential housing mortgage loans, Housing Finance Agency, powers, Minn. Statutes 2025 462A.05
Mail and mailing, satisfaction of mortgage, certified mail, Minn. Statutes 2025 47.208
Manufactured homes, repossession, Minn. Statutes 2025 327.63
Minerals, conveyances, recording, Minn. Statutes 2025 507.36
Modifications, effect on mortgage registry taxes, Minn. Statutes 2025 287.05
Mortgage brokers
Agency, duties, Minn. Statutes 2025 58.16, 58.161
Customer information security program, Minn. Statutes 2025 46A.01 to 46A.08
Fees paid to, Minn. Statutes 2025 58.137, 58.16
Lawsuits against, Minn. Statutes 2025 58.18
Reverse mortgages, limitations, Minn. Statutes 2025 47.58
Mortgage certificate program, Housing Finance Agency, powers, Minn. Statutes 2025 462A.05
Mortgage credit certificate programs
Definitions, Minn. Statutes 2025 462C.02
Generally, Minn. Statutes 2025 462C.11
Mortgage liens
Certificates of release or partial release of lien, Minn. Statutes 2025 507.403
Junior liens, voluntary foreclosures, Minn. Statutes 2025 582.32
Subdivided land sales, Minn. Statutes 2025 83.40
Mortgage loan originators, residential, see RESIDENTIAL MORTGAGE ORIGINATORS AND SERVICERS
Mortgage loans
Agricultural property, mortgage registry taxes, exemption, Minn. Statutes 2025 287.04
Applications, credit inquiries arising from, Minn. Statutes 2025 13C.01
Commercial mortgage loans, see same under this topic
Definitions, Minn. Statutes 2025 56.001
Farmers Home Administration, see FARMERS HOME ADMINISTRATION (FMHA)
Federal Home Loan Mortgage Corporation, see FEDERAL HOME LOAN MORTGAGE CORPORATION (FREDDIE MAC)
Federal National Mortgage Association, see FEDERAL NATIONAL MORTGAGE ASSOCIATION (FANNIE MAE)
First-generation homebuyers down payment assistance program, Minn. Statutes 2025 462A.41
Group life insurance policies, provisions, Minn. Statutes 2025 61A.09
Housing and Urban Development Department (U.S.), see HOUSING AND URBAN DEVELOPMENT DEPARTMENT (U.S.)
Housing Finance Agency, see Mortgage loans under HOUSING FINANCE AGENCY
Improved real estate, banks, liability, Minn. Statutes 2025 48.24
Low and moderate income/affordable housing programs, mortgage registry taxes, exemption, Minn. Statutes 2025 287.04
Renegotiable rate mortgage loans, Minn. Statutes 2025 50.14
Reverse mortgages, see same under this topic
Veterans Administration, see VETERANS ADMINISTRATION (U.S.)
Mortgage trustees, Minn. Statutes 2025 48A.07
Mortgagees
Advances by, mortgage registry taxes, exemption, Minn. Statutes 2025 287.05
Definitions, Minn. Statutes 2025 47.20, 507.401
Delinquent property taxes, filing to receive notice, Minn. Statutes 2025 276.041
Fiduciary duties, mortgage registry taxes, collection and remittance, Minn. Statutes 2025 287.08
Foreclosure solicitors, exclusion, Minn. Statutes 2025 325N.01
Fraternal benefit societies, mortgage registry taxes, exemption, Minn. Statutes 2025 287.04
Land acquired by foreclosure, hazardous substances releases, responsible persons, Minn. Statutes 2025 115B.03
Notice received, fire insurance, final settlement, partial withholding, Minn. Statutes 2025 65A.50
Payments to, fire insurance settlement proceeds, Minn. Statutes 2025 65A.50
Private transfer fee obligations, liability, Minn. Statutes 2025 513.75
Property taxes, payment, notice given, Minn. Statutes 2025 272.435
Public nuisances, definitions, Minn. Statutes 2025 617.80
Tax liens, enforcement, filing of notice, Minn. Statutes 2025 270C.63
Mortgagors
Liability, wrongful or erroneous certificates of release of mortgage, Minn. Statutes 2025 507.401
Note owner information from transaction agents or servicers, Minn. Statutes 2025 58.162
Notice received, property taxes, payment, Minn. Statutes 2025 272.435
Residential real estate closings, Minn. Statutes 2025 507.45
Multistate mortgages, mortgage registry taxes, see MORTGAGE REGISTRY TAXES
Municipal gas agencies, Minn. Statutes 2025 453A.04, 453A.05
Municipal power agencies, Minn. Statutes 2025 453.54, 453.55
Nationwide Multistate Licensing System and Registry, see under RESIDENTIAL MORTGAGE ORIGINATORS AND SERVICERS
Nonprofit corporations, Minn. Statutes 2025 317A.161, 317A.305, 317A.671
Notice
Recitals of unrecorded mortgages, Minn. Statutes 2025 507.332
Recording deemed notice, Minn. Statutes 2025 507.32, 507.325
Ores, conveyances, recording, Minn. Statutes 2025 507.36
Owners, affidavits
Deed taxes, see DEED TAXES
Mortgage registry taxes, payment, Minn. Statutes 2025 287.11
Partial release, deed taxes, exemption, Minn. Statutes 2025 287.22
Payments
Charges against principal, trust assets, Minn. Statutes 2025 501C.1113
Reverse mortgages, Minn. Statutes 2025 47.58, 287.05
Performing mortgage loans, insurance companies, valuation, Minn. Statutes 2025 60A.123
Pipeline companies, Minn. Statutes 2025 507.327, 507.328
Plain Language Contract Act, exemption, Minn. Statutes 2025 325G.30
Power companies, Minn. Statutes 2025 507.327
Power to make, generally, Minn. Statutes 2025 47.20
Precomputed loans, finance charges, refunds, Minn. Statutes 2025 47.20
Predatory lending practices, residential mortgage loans, Minn. Statutes 2025 58.13, 58.18, 609.822
Prepayment penalties
Eminent domain, Minn. Statutes 2025 117.087
Restrictions, Minn. Statutes 2025 58.137
Private mortgage insurance, Minn. Statutes 2025 47.207
Probate, mortgages defined, Minn. Statutes 2025 524.1-201
Public property, exemptions, Minn. Statutes 2025 287.04
Public retirement plans, loans secured by mortgages, investment in, Minn. Statutes 2025 356.64
Public service corporations, Minn. Statutes 2025 301B.04, 301B.05
Public utilities, Minn. Statutes 2025 507.327
Purchase, mortgage defined as, Minn. Statutes 2025 336.1-201, 336.2A-103
Purchase money real estate mortgages, see PURCHASE MONEY REAL ESTATE MORTGAGES
Real estate mortgage investment conduit, ownership of interest, income and franchise taxes, exceptions, Minn. Statutes 2025 290.015
Real estate mortgages, defined as encumbrances, Minn. Statutes 2025 336.2A-309
Real property, nonjoinder of spouse, effect, Minn. Statutes 2025 507.03
Real property subject to taconite and iron sulfides taxes, mortgage registry taxes, exemption, Minn. Statutes 2025 287.04
Receiverships, Minn. Statutes 2025 576.25
Recitals
Disregarding, Minn. Statutes 2025 507.33, 507.331
Unrecorded mortgages, Minn. Statutes 2025 507.332
Recording
Corporate identity changes, Minn. Statutes 2025 507.411
County recorders, duties, Minn. Statutes 2025 386.39
Defined, Minn. Statutes 2025 287.01
Mortgage registry taxes, payment, Minn. Statutes 2025 287.10
Records, financing statements, mortgage records as, Minn. Statutes 2025 336.9-502
Refinancing mortgages, Housing Finance Agency, powers, Minn. Statutes 2025 462A.05
Refunds, precomputed finance charges, Minn. Statutes 2025 47.20
Registration
Electronic documents, Minn. Statutes 2025 287.08
Fees, Minn. Statutes 2025 40A.151, 40A.152
Taxes, see MORTGAGE REGISTRY TAXES
Regulated lenders, see Mortgages under REGULATED LENDERS
Religious corporations, see Mortgages under RELIGIOUS CORPORATIONS
Renegotiable rate mortgage loans, Minn. Statutes 2025 50.14
Rescission, reverse mortgages, Minn. Statutes 2025 47.58
Residences, drafting, Minn. Statutes 2025 481.02
Residential mortgage fraud, Minn. Statutes 2025 609.822
Residential mortgage loans
Defined, Minn. Statutes 2025 47.207
Interest rates, Minn. Statutes 2025 58.16
Predatory lending practices, Minn. Statutes 2025 58.13, 58.18, 609.822
Rates, fully indexed rate, Minn. Statutes 2025 58.02
Residential mortgage originators and servicers, Minn. Statutes 2025 58.125, 58.13
S.A.F.E. Mortgage Licensing Act, Minn. Statutes 2025 58A.01 to 58A.22
Residential mortgage originators and servicers, Minn. Statutes 2025 58.01 to 58.19, 60K.43
Restrictions, discriminatory provisions restricting conveyance of real property, Minn. Statutes 2025 507.18
Restructured mortgage loans, insurance companies, Minn. Statutes 2025 60A.123, 60A.127
Retail installment contracts, Motor Vehicle Retail Installment Sales Act, Minn. Statutes 2025 53C.01
Reverse mortgages
Authorized, Minn. Statutes 2025 47.20
Federally administered mortgages, tax exemption, Minn. Statutes 2025 287.05
Generally, Minn. Statutes 2025 47.58
Interest, Minn. Statutes 2025 47.58, 287.05
MFIP, income, exclusion, Minn. Statutes 2025 142G.16
Mortgage registry taxes, see MORTGAGE REGISTRY TAXES
Proceeds, disregards, Minn. Statutes 2025 256.99
Residential mortgage originators and servicers, Minn. Statutes 2025 47.58, 58.19
Revolving lines of credit secured by
Mortgage registry tax, Minn. Statutes 2025 287.05
Recording, notice to parties, Minn. Statutes 2025 507.325
Rural development financing authorities, powers, Minn. Statutes 2025 469.146
Rural Finance Authority, seller-sponsored loans, security, Minn. Statutes 2025 41B.042
Rural water user districts, property, Minn. Statutes 2025 110A.33, 110A.34
Satisfaction
Certificates of release of mortgage, Minn. Statutes 2025 507.401
Certificates of satisfaction by assignee, Minn. Statutes 2025 507.403
Conveyancing forms, Minn. Statutes 2025 507.09, 507.091
Corporate identity changes, Minn. Statutes 2025 507.411
Deed taxes, exemption, Minn. Statutes 2025 287.22
Delivery, Minn. Statutes 2025 47.208
Failure to discharge, Minn. Statutes 2025 507.41
Procedure, Minn. Statutes 2025 507.40
Recording, mortgage registry tax payments, Minn. Statutes 2025 287.10
Release by fewer than all mortgagees, Minn. Statutes 2025 507.412
Violations and penalties, failure to deliver, Minn. Statutes 2025 47.208
Secured transactions, see Mortgages under SECURED TRANSACTIONS
Securities, exemptions, Minn. Statutes 2025 83.26
Security
Agricultural improvement programs, direct loans, Minn. Statutes 2025 41B.043
Agricultural resource project loans, Minn. Statutes 2025 41A.03
Inapplicable laws, Minn. Statutes 2025 47.21
Instruments, mortgage registry taxes, exemption, Minn. Statutes 2025 287.04
Livestock expansion and modernization loans, Minn. Statutes 2025 41B.045
Multistate mortgages, Minn. Statutes 2025 287.05
Real property in Minnesota, Minn. Statutes 2025 287.05
Selling mortgaged real estate, Minn. Statutes 2025 47.20
Semitaconite mining companies, Minn. Statutes 2025 507.327
Senior citizens' property tax deferral program, Minn. Statutes 2025 290B.03, 290B.04
Seven-day cooling off period, reverse mortgages, Minn. Statutes 2025 47.58
Shelter costs, mortgages defined as, Minn. Statutes 2025 142G.02
"Special mortgages", Minn. Statutes 2025 58.13
Successors in interest, savings banks, Minn. Statutes 2025 50.1485
Supplemental mortgages, see MORTGAGE REGISTRY TAXES
Taconite mining companies, Minn. Statutes 2025 507.327
Tax-exempt property, mortgages on, mortgage registry taxes, exemption, Minn. Statutes 2025 287.04
Taxes, see MORTGAGE REGISTRY TAXES
Telephone companies, generally, Minn. Statutes 2025 507.327
Timber, conveyances, recording, Minn. Statutes 2025 507.36
Transfer statements, see under SECURED TRANSACTIONS
Transfers, mortgages defined as, Minn. Statutes 2025 323A.0101
Trust companies, investment powers, Minn. Statutes 2025 48A.08
Trusts
Assets, generally, Minn. Statutes 2025 501B.46 to 501B.55
Custodial property, certification to mortgage, Minn. Statutes 2025 507.49
Uniform Short Form Mortgage Act, Minn. Statutes 2025 507.15
Unrecorded mortgages, recitals, notice, generally, Minn. Statutes 2025 507.332
Usury, Minn. Statutes 2025 47.20
Validity, mortgage registry tax, errors, Minn. Statutes 2025 287.10
Veterans administration, secured mortgages, savings banks, purchasing, selling, Minn. Statutes 2025 50.155
Violations and penalties
Cooperative apartment loans, unlawful interest rates, Minn. Statutes 2025 47.20
Discount point agreements, Minn. Statutes 2025 47.206
Failure to discharge, damages, Minn. Statutes 2025 507.41
Interest rate agreements, Minn. Statutes 2025 47.206
Predatory lending, Minn. Statutes 2025 609.822
Unlawful interest rates, Minn. Statutes 2025 47.20
Waivers, Minn. Statutes 2025 47.20
Warehouse receipts, negotiating without disclosing mortgage, Minn. Statutes 2025 227.55