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County revises septic loan agreement language to resolve lien/subordination conflict
Summary
Nobles County approved revised language for the septic loan agreement on Aug. 5, 2025 to address conflicting guidance about loans remaining with property versus the county's reluctance to subordinate to new mortgages.
Nobles County commissioners approved revised language for the county's septic loan agreement after staff noted conflicting guidance between advising landowners that loans could remain with the land and the county's practice of not subordinating to new mortgages.
County staff said the existing wording created confusion for new owners and lenders because non-subordination typically requires payoff on sale. The board voted to adopt the clarified loan language to resolve the inconsistency; the action was moved by Commissioner Justin Ahlers and seconded by Commissioner Chris Dybevick and recorded as duly passed. The meeting minutes do not include the exact revised text; county staff will need to publish the amended agreement language for lenders and affected property owners.
