Utah Code § 57-1-14

Form of mortgage -- Effect
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A mortgage of land may be substantially in the following form:
MORTGAGE
 ____ (here insert name), mortgagor, of ____ (insert place of residence), hereby mortgages
to ____ (insert name), mortgagee, of ____ (insert place of residence), for the sum of ____
dollars, the following described tract ____ of land in ____ County, Utah, to wit: (here describe the
premises).
 This mortgage is given to secure the following indebtedness (here state amount and form of
indebtedness, maturity, rate of interest, by and to whom payable, and where).
 The mortgagor agrees to pay all taxes and assessments on said premises, and the sum of
____ dollars attorney fee in case of foreclosure.
 Witness the hand of said mortgagor this __________(month\day\year).
 A mortgage when executed as required by law shall have the effect of a conveyance of
the land therein described, together with all the rights, privileges and appurtenances thereunto
belonging, to the mortgagee, the mortgagee's heirs, assigns, and legal representatives, as security
for the payment of the indebtedness thereon set forth, with covenants from the mortgagor of
general warranty of title, and that all taxes and assessments levied and assessed upon the land
described, during the continuance of the mortgage, will be paid previous to the day appointed
for the sale of such lands for taxes; and may be foreclosed as provided by law upon any default
being made in any of the conditions thereof as to payment of either principal, interest, taxes, or
assessments.

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