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May 29, 2018

Notary Felons — whose dilemma is it?

Filed under: Technical & Legal — admin @ 11:01 am

It has come to my attention that when I quiz Notaries, only 30% give Oaths regularly, and the other 70% do not. Of the 30% who claim they administer Oaths, the Oaths are normally irrelevant and incorrect. It is really only about 10% of Notaries who sign up on our site who give correct and relevant Oaths with a degree of proficiency. So, why is this a problem? Nobody is checking up on us, right? Generally right.

When a loan is called into court (which doesn’t happen that often) the Judge might ask the Notary if he/she indeed administered an Oath to the borrower. If the Notary says no, or has no proficiency at giving Oaths in front of the Judge, the Notary could be accused of Perjury.

Lying under Oath can be considered perjury. However, filling out a Jurat that says “sworn to me” when in fact nobody swore to anything at the Notarial transaction — can be considered perjury on the part of the Notary Public. This is a federal crime with a possible jail sentence of up to five years per incident. Yet, Notaries throughout the nation are going about committing perjury almost every time they do a signing without a care in the world. This is a serious legal matter that you should be concerned with.

Why am I concerned with this? Because I am advertising people who might be felons. I cannot prove who the felons are or when they committed a felony, but it seems that many of our notaries based on my quiz are committing perjury on Jurats on an almost daily basis. If they were audited, they might go to jail.

I did not realize I was doing business with a criminal class of people, but that is the case. Please be an expert at Oaths, because I am not confident about listing Notaries who are engaged in serious crimes such as perjury which is what you are committing when you sign a statement saying you administered an Oath when you did not.

If I find out that you do not give Oaths, I might have to remove your listing temporarily or permanently.

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May 20, 2018

Tips for avoiding liability with the elderly

Filed under: Hospital & Jail Signings — Tags: — admin @ 9:37 am

Elder Notarizations

If you are a Mobile Notary, you will undoubtedly get calls from people in hospitals, convalescent homes, and jails. The problem with jail signings used to be lock downs and the lack of an acceptable ID. I’m not sure if ID rules have changed or jail practices have changed in the mean time because I keep hearing rumors that there is some formal jail ID card now.

But, the problem with elder notary hospital signings are different. Here are my points and recommendations for notarizing the elderly and bed-ridden.

1. Read the ID over the phone
Not all elderly people have an ID, and not all have a current identification. Have someone read the identification information and expiration date to you over the phone. That way you will know that they:
(a) Have an ID
(b) Can find the ID
(c) That it reads a name that proves the name on the document (which should already have been drafted)
(d) That the identification for notary work has not expired.

2. Ask if the signer will be drugged within several hours of the notarization.
If the signer is not sober, you should decline to notarize, and let the family of the hospitalized person know that your travel fee is paid in cash at the door. If you feel for any reason that it is not prudent to notarize the signer, that you will walk out for reasons pertaining to legal liability. Here are some reasons to decline service.

(a) The signer is sleeping

(b) The signer communicates incoherently or in a tone you cannot clearly understand.

(c) The signer cannot orally summarize the document in a way that makes you feel sure they understand what they are signing.

(d) The signer has been drugged recently perhaps with morphine.

(e) The signer cannot sign their name. If you know how to do a signature by X procedure that might be a substitute, but check your state laws and procedures before doing a signature by Mark or X.

(f) The signer cannot sit up or move their arm to sign.

If there is a problem with a hospital notarization, it is better to find out before you get in your car. Have the family communicate with the signer, have the signer practice signing a blank piece of paper with the family before you commit to an appointment. There is a lot that can go wrong, so try to anticipate common problems and solve them before you drive over.

3. Legal liability
If you notarize for a person who is bed-ridden, the chances of the transaction ending up in court are at least twenty times as high as for loan signings, so you should charge a lot more for hospital notarizations due to the unseen costs of doing business, not to mention the waiting time and other inconveniences. If you are a sloppy Notary, I would suggest not doing hospital notarizations at all as they will come back to you and your sloppily kept or not kept journal will be the only thing that will save you or not save you in court. Here are some things that can go wrong at hospital notary jobs that can get you in trouble.

(a) The signer claims that they were tricked into signing something that gave their money away.

(b) The signer may be conscious when you are doing the signing, but afterwards might not remember signing something.

(c) Someone might investigate and question whether the signer really signed the document or really knew what they were doing.

(d) Someone might questions the identity of the person who actually signed. That is why I kept thumbprints. However thumbprints for the elderly often are like tires with no tread which makes them hard to differentiate.

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You might also like:

When to ask for ID over the phone & fees at the door
http://blog.123notary.com/?p=15282

A tale of 4 notaries at hospitals
http://blog.123notary.com/?p=463

Do you like your job? A story of being kept waiting forever at a hospital.
http://blog.123notary.com/?p=617

Hospital Notary job tips from A to Z
http://blog.123notary.com/?p=76

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April 25, 2018

Preparing to Sign a Last Will and Testament

Filed under: Technical & Legal — admin @ 11:11 am

Preparing to Sign a Last Will and Testament

One of the most important documents that a person signs during the course of a lifetime is his or her last will and testament. Of course, ensuring that a last will and testament is drafted properly is crucial. However, ensuring that a last will and testament is valid does not end when the instrument has been written. The manner in which the document is signed is vital to its ultimate validity.

State Laws Govern Drafting and Signing a Last Will and Testament

Each individual state has its own laws as they pertain to the drafting and signing of a last will and testament. With that said, many states utilize a derivation of what is known as the Uniform Probate Code. In other words, although there are some minor differences from one state to another when it comes to a will, there is a great deal of commonality in the laws about wills across the United States.

In order to make certain that a last will and testament is appropriately drafted and properly executed, a person does need to check the specific laws of the state in which the will is signed. This is the only way in which compliance with the law can be confirmed.

The Role of a Notary Public at a Will Signing

A notary public plays a pivotal role in the execution or signing of a last will and testament. One of the power bestowed upon a notary public is the ability to administer oaths and confirm information in certain situations. For example, at the time of the signing of a last will and testament, a notary public is charged with confirming a number of factors before a person signs the instrument.

First, a notary public is required to confirm that the person about to sign his or her last will and testament understands what is contained in the instrument. A notary public doesn’t quiz the signer on the contents of the instrument. Rather, a notary public requires the signer to affirm that he or she has read the instrument and understands its contents.

Second, a notary public must concern that based on his or her reading of a last will and testament that the instrument does what the signer intends. In other words, the signer must affirm that the last will and testament deals with matters associated with his or her estate in the manner in which he or she intents and desires.

Third, a notary must ascertain that the signer of a last will and testament is of sound mind and body at the time of the execution of the instrument.

Finally, when the person signing a last will and testament executes the document, a notary public verifies the signature and affixes the seal of his or her office to the instrument.

Witnesses at a Will Signing

The laws of all states mandate that witnesses be present at the execution of a last will and testament. The laws do differ as to how many witnesses must be on hand at the signing of a last will and testament.

The witnesses are present to confirm that the person executing a last will and testament understands what he or she is doing, that he or she is signing the will as a free and voluntary act, and that the signer is of sound mind and body.

The witnesses can end up playing a pivotal role should the day ever come that a last will and testament is being challenged in some manner. For example, the witnesses might be called upon to testify in court if a challenge is made to the will after the signer of the instrument dies. The witnesses might be called upon to testify that the signer was of sound mind and body when the last will and testament was executed.

At the time of the execution of a last will and testament, a notary ensures that the witnesses understand their roles. The witnesses sign the instrument, after the signer of the will itself completes that task. A notary typically verifies the signatures of the witnesses to the last will and testament as well.

Generally speaking, a last will and testament usually is signed in the office of the attorney that drafted the instrument in the first instance. More often than not, the attorney will have a notary public available from his or her own staff. There are rare situations in which a notary public is called in from the outside to witness and notarize the signing of a last will and testament.

 
Jessica Kane is a professional blogger who focuses on personal finance and other money matters. She currently writes for Checkworks.com, where you can get personal checks and business checks.

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April 17, 2018

How often do Notaries end up in court?

Filed under: Technical & Legal — Tags: — admin @ 10:24 am

Notaries can end up in court for a variety of reasons. If the person you notarized used a fake ID and you did not thumbprint them, you are likely to end up in court. If a borrower is suing the Lender and wants to sue all involved, you could end up in trouble. If you explain something poorly and the signer feels you are denying a legitimate request for service and they miss a deadline and experience a loss — you can end up in court.

Here are some ways to increase your likelihood of ending up in court:

1. Not keeping a journal
2. Doing hospital or elder notarizations (even if you are cautious)
3. Not taking journal thumbprints
4. Not explaining notary requirements clearly to irate customers who will lose big bucks if you refuse them service.
5. Doing a notarization for someone who happens to be in a court building at the time of notarization (sorry, bad example.)

So, bad communication and record keeping skills are the prime reason people get in legal trouble as a Notary.

One in seven full-time Notaries who we have spoken to (rough estimate) have ended up in court at least once. Having good records makes it a lot easier for judges and investigators. So, when we ask you to keep a journal, we are not doing that just to put another burden on you. It is for safety reasons — your safety and the public’s safety.

If someone copies your seal and impersonates you the notary and notarizes something, if you don’t have a journal of what you actually did in real life every day — then you will not be able to prove to a judge that you did not notarize that phony notarization and you can get in trouble or even end up in jail. So, if you don’t like jail, keep a journal. That is a far fetched worst case scenario, but you could get in bad trouble. So, keep a journal even if your state says you don’t have to because the FBI doesn’t play games and neither should you. And FBI is FEDERAL and they work in all states regardless of whether your state requires a journal.

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You might also like:

13 ways to get sued as a Notary
http://blog.123notary.com/?p=19614

10 risks to being a Mobile Notary Public
http://blog.123notary.com/?p=19459

he FBI is at your door and names you as a suspect!
http://blog.123notary.com/?p=20013

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April 14, 2018

Check to see if the signatures match

Filed under: Technical & Legal — admin @ 10:24 am

As a Notary, when you do an Acknowledgment, the signer does not need to sign in your presence (in most states). However, they need to appear before you and sign your journal. You must check to see if the signatures match the ID, journal and document. If they don’t, you have a big problem. Also, make sure the person looks like they do in their ID, and note down their ID information in your journal which of course you keep because you can get in trouble if you don’t keep one even in states that don’t require it.

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April 10, 2018

Document dates, signature dates, rescission dates and transaction dates

As a Notary, you will undoubtedly be confronted with a variety of dates that all need to be clearly defined in conversation so as not to confuse yourself or the other party. Let me sum these up.

Document Dates
The document date is NOT necessarily the date the document is notarized. It is merely an arbitrary date normally created by the document drafter that might reflect the date the document was drafted, supposed to be signed, supposed to be notarized, or some other arbitrary date. There is no rule for when a document date can be.

Signature Dates
The signature date of a document is the date it was signed. If you have two signers signing on different dates, you might have what 123notary calls “a double date.” There are multiple questions involved in a double date. One is how do you date the rescission document if the date you signed a document is more than one date. The other far more important question is — who pays?

Rescission Dates
The rescission date is based on a date that comes CALENDAR three days after the transaction (= signature date) not including Sundays or Federal holidays. If you have two signature dates, you might have two rescission dates, one per person. But, if there is only one rescission date, it probably is based on the last signature (complicated.)

Transaction Dates
This is more of a glossary type term or test term. The transaction date is the date when the transaction happened which is based on the date of the signature. I ask people what the synonym is for a signature date to see how much they read.

Medjool Dates
If you go to a signing for health conscious people or Saudi’s, after the signing, you might get yet another type of a date — a Medjool date. These dates are typically grown in the Middle East, but also in parts of Arizona near Yuma

Hot Dates Q&A
If you steal a document, would the date on the document be correctly defined as being a “hot date” since it was technically stolen?

Dates and Journal Entries
A good Notary does more than his/her state’s minimum requirements for journal entries. There is a field in your journal for the name and/or description of the document. A good journal also has an optional field for the document date. I suggest you pay attention and write in the document date as it helps to identify a particular document and distinguish it from a different document with the same name signed by the same person. Sometimes the document date is the only way to tell them apart.

Dates and Notary Appointments
I once went to a Notary appointment with a date. I left the date in the car and came out $30 richer. She complained that I left her in the car too long, which is good, because that date would expire at midnight.

Please also read our previous article on the same topic. Read more…

You might also like:

Notary Public 101 Certificates!
http://blog.123notary.com/?p=19502

10 tight points on loose certificates
http://blog.123notary.com/?p=15449

Backdating from A to Z
http://blog.123notary.com/?p=2424

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April 5, 2018

The name on the ID vs. the Acknowledgment, Document, and Signature

Filed under: Technical & Legal — admin @ 11:08 pm

As a Notary, you will be confronted by a myriad of inconsistencies. Names on identifications don’t always match names on documents. We have discussed this multiple times in our John Smith examples where the name on the ID is shorter than the name on the document which in my examples is normally John W. Smith. However, I want to introduce the complexities of name variations in an organized way.

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RULE #1: The name on the ID must prove the name on the Acknowledgment
The name on the ID is not always identical or “matching” the name on the document. I do not like the term “matching” because it has multiple connotations and therefor is not clear. The name on the identification must PROVE the name on the Acknowledgment as a minimum.

Example
The name on the ID says John Smith.
The typed name on the document says John William Smith
The signature on document says John William Charles Smith
The name on the Acknowledgment cannot say more than John Smith otherwise you are notarizing someone whose name you cannot prove.

Whether or not your state approves you notarizing a signature that is longer or not matching the name on the identification is between you and your state. But, according to sensible practices, the main thing is what name you are Acknowledging the person as, because that is your job as a Notary. As a Notary, you have to prove the identity of the signer and certify that information in the form of a Notary certificate. What goes on the certificate must be true under the penalty of perjury in California and must be true in other states otherwise it could be considered fraudulent. In this example, you can prove the signer is John Smith, he over signed the document which the Lenders don’t usually mind, and you notarized him once again as John Smith — nothing more, nothing less.
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RULE #2: The typed name on the document ideally exactly matches the signature, but, if the Lender says it’s okay, an over signed version of the same name would suffice.

i.e. If the typed name says John William Smith, then the signature could be John William Charles Smith.
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RULE #3: The name on the Acknowledgment can be an exact match of the signature if provable by ID, or a partial match of the signature that is proven by the identification.

i.e. If the signature says John William Charles Smith, you can notarize the signature as that name if it that name variation is entirely provable based on the ID, or you can notarize him as John Smith as the ID proves that name.
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RULE #4: The typed name on the document is supposed to match the name on Title.

The recording agency has a particular name on title, and loan documents are supposed to match the name on title. Sometimes people change their name on title using Grant Deeds and Quit Claim Deeds and which form you use to change a name on title depends on what state you live and your individual situation, and I am not trained in these matters, (sorry.)
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Rule #5: Just because you are obeying sensible practices and the law doesn’t mean the Lender won’t get mad and fire you.

The Lender wants the name notarized based on how the name reads on the documents as a general rule. Usually times you can get away with notarizing a shorter version of the name for legal reasons. If you have a situation where you have a choice between breaking the law and pleasing the Lender, choose obeying the law. If you have a choice between pleasing the Lender and taking liberties identifying someone which is a wishy-washy point in the legal code in many states (look up your state’s requirements for proving someone’s name — many states only say that you have to check their ID, but not see if the names exactly match) then you have a judgement call.

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Summary of rules using fortune cookie English

1. Name on ACKNOWLEDGMENT must be proven by name on IDENTIFICATION

2. Name on ACKNOWLEDGMENT must be part or whole of name on SIGNATURE

3. Name on SIGNATURE can match exactly or be a longer variation of TYPED NAME on document.

4. TYPED NAME on document should MATCH name on TITLE

5. LENDERS want name on the Acknowledgment to match TYPED NAME on document, but this is not always legally possible.

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You might also like:

The ID says John Smith
http://blog.123notary.com/?p=19953

What’s your sign? A guide to spotting fake ID’s.
http://blog.123notary.com/?p=19638

Credible Witnesses – the ins and outs
http://blog.123notary.com/?p=19634

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April 4, 2018

123notary 2018 Certification Standards

Filed under: Certification & Communication Skills,Loan Signing 101 — admin @ 2:26 pm

Due to the fact that the Notary industry has changed, and the values of people hiring Notaries have changed, we have changed the requirements for being certified. In the past, people valued our certification and gave our certified members a lot more clicks as knowledge was a commodity with a price tag. These days, knowledge is less valued and the type of knowledge that is valued changed from being more document focused to be more about manners, following directions, being business-like, and being good at Notary work. Additionally, those hiring Notaries either want someone who is very knowledgeable or don’t care about knowledge at all. The Notaries who were simply mediocre with a certification or without a certification seem to get the same amount of business. However, those who do not know how to function at all as a notary get substantially less clicks on our site. By passing our online test you can get a temporary certification. However, the over the phone test gives a longer term result. We feel free to retest people as often as we find necessary. Below are our new elaborated requirements for regular 123notary certification.

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NOTARY KNOWLEDGE

Note — we require an 80% on general Notary knowledge. Topics included are listed below and are taught thoroughly in Notary Public 101.

Notary Acts
Intimate knowledge of Notary acts such as Acknolwedgments, Jurats, Oaths, Affirmations and Proofs is necessary to pass our test. You need to be able to distinguish between the details of the characteristics of each act and explain each act thoroughly and accurately which is harder than most Notaries realize.

Form & Journal Filling
Detailed knowledge of how to fill in a Notary journal and certificate forms based on good practices and NOT based on your state’s particular rules.

Oaths & Affirmations
Detailed knowledge of administering Oaths & Affirmations that are worded correctly for a variety of situations.

Identifying Signers
A basic knowledge of how to identify signers under varying circumstances.

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SITUATIONAL KNOWLEDGE

We require Notaries to know how to handle curve balls before, during and after signings. This information is taught in the scenarios section of Notary Public 101.

Common points include:

Confirming the signing
There are many things you need to go over with the borrower when you confirm a signing. Do you know them all?

Handling Power of Attorney Signings
There are many ways a signer could sign in a capacity of an Attorney in Fact, but do you know the right way you need to have them sign so as not to get in trouble?

Dating the Right to Rescind
Many Notaries on 123 Notary cannot count 1, 2, 3, which is why they need to review dating the Right to Cancel.

A list of other situations
A variety of other situations that could really vary and could be based on questions that stress following directions which cannot be taught. Read about these on our scenarios page in our Notary Public 101 course.

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DOCUMENT KNOWLEDGE

We require Notaries to know the basic characteristics of the following documents with an 80% accuracy under time pressure. We teach most of this knowledge in our 30 point course on our blog.

Deed of Trust / Mortgage
Note
Right to Cancel
Closing Disclosure & Closing Statement
Truth in Lending (semi-antiquated)
HUD-1 Settlement Statement
Compliance Agreement
Correction Agreement
Occupancy Affidavit
Signature Affidavit & AKA Statement
Owners Affidavit
Automatic Funds Transfer Disclosure
Various Riders
Subordination Agreement
Quit Claim & Grant Deeds
Understanding the APR (listed on the TIL or Closing Disclosure)
Initialing

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Also see — Elite Certification Study Guide

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123notary Elite Certification Study Guide

Filed under: Loan Signing 101 — Tags: , — admin @ 12:24 am

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ELITE CERTIFICATION

To get elite certification, you need to do well on the regular certification topics, and then know a lot more. Here are the items we quiz about for elite certification. We test by phone for the elite, and if you study hard and know your basic documents, scenarios, and Notary knowledge plus the content on this page, you could pass.

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Documents you have to understand intimately

Recorded Documents
Riders
Subordination Agreement
Residency Affidavit
Owners Affidavit
Deed of Reconveyance
Deed of Trust
CD & HUD-1
Please read the details of the required documents. Read more…

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Procedures or Acts to Understand

Signature by X or Mark — read more…
Apostilles and Authentications — read more…

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Other Terms or Information
Please click on the links below to get detailed information on the following points.

The term Elizor — read points 23 on this link. An Elizor is a court appointed official that can sign over property when the owner refuses to cooperate in court.

Explaining beneficial & financial interest. A Notary may not have beneficial interest or financial interest in anything he is notarizing. A beneficial interest could be construed as …

Federal Holidays in chronological order (memorize these). Let’s start with New Year’s Day, Martin Luther King Day, Washington’s Birthday, Memorial Day, Independence Day …

Fraud Prevention & types of fraud that happen in the Notary world. Falsified identification, incorrect dates on certificates, using someone else’s Notary seal …

Authority – Who has the highest level of authority if there is a question about a notary act or document at a signing? The Notary is the authority as to how a notary transaction happens, but…

Annual Percentage Rate — a detailed understanding is required. The APR is based on the amount borrower after certain (but not all) fees and closing costs have been deducted, and expressed as a …

Pros & Cons: — Adding an Acknowledgment rather than fixing the original. if there is a mistake on a preprinted form. It is cleaner to add a new form, but there can be recording fee issues involved…

What to do if John & Sally’s names are inscribed in an Acknowledgment by the Lender and Sally can’t make it. — Cross out or add a new form? This is similar to the last point, but there are some extra snags…

Handling name variations and discrepencies such as: ID Name, vs. Typed Name, Signature on Doc, and Name on Ack. Relationship between these names if they don’t exactly match. The main thing is to obey the law first…

Understanding dates such as: Transaction Dates, Signature Dates, Rescission Dates, and Document Dates… A transaction date is the same as a signature date, but a document date is arbitrarily chosen, but by whom?

Loan Signing FAQ’s that Borrowers ask. FAQ’s have been greatly reduced by Lenders being required to explain documents to the borrowers in advance. But, you still might be asked why the APR is …

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April 3, 2018

Confirming the signing

Confirming a Notary Signing

As I continue to teach people and quiz Notaries on the subject of confirming the signing, I realize that the subject is more complicated than I previously realized. When confirming the signing with the borrower, there is a lot to go over. But, sometimes you don’t have the means to know what you should ask, especially when you have not received the package. Sometimes there are instruction pages with requests for checks or Quit Claim Deeds where non-borrowing in-laws need to sign. You might not know this until the last minute, but you could put it on your list of things to ask about during your initial call.

Since there are so many things to ask about during a confirmation call, it makes sense to keep a cheat sheet in your wallet with a list of things to ask about.

THE CHECK LIST

1. Signers
Make sure all of the signers will be present. Not all signers are borrowers. It is common to have a non-borrowing spouse, or even in-laws who are on title. It is also common for people to sign off title if they don’t want to be part of a loan. There might be Grant Deeds or Quit Claim Deeds in such cases.

2. Identification
It is common for Notaries to confirm that the borrower(s) has/have a current government issued identification card. That is not good enough. If the name does not match, you will have a very short or cumbersome Notarization. You can avoid a three hour trip that you don’t get paid for by making sure the ID proves that the name on the document is authentic.

3. Surface
To do a signing, you need a surface to do the signing on. Normally, homeowners sign on their dining room table. Many title companies are making sure that the table is clear before the Notary arrives to save time and grief. If you don’t make sure there is a surface, you might be signing on the floor or a cluttered coffee table that you have to crouch to sign on.

4. Duration
Many signers are not aware of how long a loan signing takes. It might take anywhere from thirty minutes to two hours depending on the length of the package, the degree of familiarity with the process and how much reading the borrower intends to do. The Notary should confirm how much reading the borrower wants to do, because the Notary needs to be on time to his/her next appointment. Find out ahead of time how much time the borrower wants, otherwise your schedule might get very messed up.

5. Paperwork going back to the Lender
There are often personal checks, cashier’s checks, tax or insurance forms or copies of ID’s going back to the Lender. Make sure that if there is anything going back, that it is in a folder on the signing table when you come so you don’t have to waste time finding it or forget.

6. Introduction
Many Notaries go over the fact that they are the Notary, what their name is, what their function is, and how they cannot answer legal questions, etc. Introducing yourself is great. But, if I am quizzing you with one minute to go over confirmation, and you waste the entire minute explaining the details of how you introduce yourself and forget to mention that you made sure all the signers would be there with ID’s that match the names on the document, you will fail.

7. Numbers
If you want to go over numbers on the CD or HUD, you can think about that. These days, the Lenders normally do a good job of that on their own, but a last minute brush up can reduce the chance of last minute surprises.

8. Where to Park & Directions
If you want to go over directions and where to park, that matters too. That is the last thing I want to hear if I quiz you, but in real life, where to park can be a serious consideration.

Conclusion
The purpose in confirming a signing is to introduce yourself and go over all issues which would cause a glitch in the signing to make sure the glitch doesn’t happen before you get in your car and drive. Be prepared to confirm a second time after you have the documents printed out as you might learn more about what needs to be done after printing. Be prepared to cancel the signing if any information doesn’t check out as well. Be thorough, don’t leave any necessary information out, and you will have a more organized and stress free profession.

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Notary Marketing 102: Phone & Communication Etiquette
http://blog.123notary.com/?p=19764

Notary Etiquette from Atheist to Zombie
http://blog.123notary.com/?p=13718

Don’t Call Title or Borrower
http://blog.123notary.com/?p=15066

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