An allonge is a sheet of paper that is attached to a negotiable instrument, such as a bill of exchange, to provide space for additional endorsements.

How Mortgage Allonge Works? When you purchase real estate on loan, you get a mortgage form and a promissory note. The mortgage form is what states that your house will become yours on full payment.

The N.J. Appellate Division found a prima facie case for foreclosure, even though the allonge to the note was not physically attached when the allonge was initially executed.

The indorsement must be made either on the face of the note or on an allonge ‘so firmly affixed thereto as to become a part thereof” (UCC § 3-202[2]).” ...

If the endorsement is on an allonge, the plaintiff must show that the allonge is so firmly affixed to the note “as to become a part thereof,” as required by UCC 3-202(2).

Here, while the allonge was not initially attached to the note, the proofs clearly showed that U.S. Bank had been properly assigned the loan and had the right to foreclose. NOT FOR REPRINT ...