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September 21, 2018

What traits do escrow officers look for in Notaries?

Filed under: General Articles — Tags: — admin @ 11:34 am

Here are some things that Escrow officers look for in Notaries.

1. Document knowledge.
You should know your documents inside out and know where to find the rate, prepayment penalty information, 1st payment info, APR, how to date and initial the RTC, etc.

2. Form Filling
Many loans have forms to fill out. The borrower will do the actual filling out, but the Notary needs to know how to assist in this process if you want to get hired again.

3. Personal Knowledge
Many Escrow Officers prefer to hire a Notary who is personally known (rather than proven on the basis of satisfactory evidence) to them rather than hire a signing agency who hires strangers. For jobs that are far away from the Escrow office, they might be more willing to hire signing services.

4. Personable
Are you the type of person who can interact nicely with others? Or are you difficult to communicate with, rude, complain a lot, or avoid people?

5. Available
If you are not available, or are not reachable by phone that is a problem. Then there are others who answer the phone and refuse to talk who are also not doing well in terms of availability.

6. Back to Back signings
If a signer is willing and able to do one signing after another, that is a selling feature for escrow.

7. What about certification?
Certification is only as valuable as the knowledge that goes with it. Escrow officers want knowledge and reliability, not claims of knowledge and reliability. Elite 123notary Certification is popular with title & escrow. But, very few Notaries bother trying to get it.

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You might also like:

If you work for title companies directly, what do they want?
http://blog.123notary.com/?p=16110

Why you should consider getting 123notary Elite Certified
http://blog.123notary.com/?p=20094

Elite certification will benefit you the rest of your life
http://blog.123notary.com/?p=20770

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September 17, 2018

What are Jeremy’s intentions?

Filed under: General Articles — admin @ 7:48 am

Why is Jeremy mean? Why does he give so many quizzes? Why does he take away people’s certifications? We are amazingly great Notaries and don’t need to be quizzed and deserve $200 jobs, etc. So, what gives?

I (Jeremy) realize that people who hire Notaries have a lot to lose if they hire a bad Notary. I also realize that the other notary directories out there have mostly really awful Notaries who don’t answer their phone, don’t communicate well, and don’t know how to be good Notaries, let alone good signing agents.

Next, picture yourself having to deal with thousands of apathetic Notaries who put more effort into coming up with excuses and avoiding doing what they are asked to do rather than cooperating. Then, add a regular supply of viscious jerks who go out of their way to be as hostile as possible and then blabber all over Facebook saying what a jerk I am. I am just doing my job, but get pelted with hostility the minute I ask anything of my Notaries or have any rules. I do not have the freedom to set down any terms and conditions that are enforceable without being relentlessly attacked. If you were in this position, how nice would you be, and would you even last?

123notary’s business model has always been about identifying and marketing quality Notaries. Most Notaries think of themselves as high quality, however, in my point of view, only a handful are. When I talk to someone for five minutes and have to repeat myself ten times, or find that whatever I say gets scrambled, this is what I call bad communication skills. When I ask simple notary questions and get resistance, that is a sign of a bad attitude and lack of motivation. When I give a notary quiz email and half the answers come back wrong — which is average, that is bad. We are showing you to fancy title companies who want to get good Notaries from our site. Generally the title companies are happy with us as a rule. But, I want to give title the best Notaries possible and filter through my notaries on board to find the best ones to identify as being good — or at least give higher placement to.

Additionally, the ones who have my certification icon are notaries who in a sense I am personally recommending. After retesting certified members and seeing how they don’t respond to emails and they can’t give straight answers to easy questions, I am thinking, how can I recommend these people? I want solid people to recommend who are professional, answer questions in a straightforward way, and know their stuff. This shouldn’t be hard to filter out, but when you boil it down, you might only get a few dozen people who match this requirement.

I want to market my certification like I did in the old days. But, people stopped respecting it. After I retested people, I too started to disrespect my certification. Unmotivated, stubborn people who did not know their notary procedures at all, and who were unwilling to study had my certification. Even with an open book test and study guide, many people just didn’t read the study guide and failed. A basic misunderstanding of the most basic notary principles and aspects of following directions were the problem. It is not rocket science to be a Notary. But, for most of our Notaries — it might as well be.

In short — I am trying to have the best site possible, but am dealing with a crowd of thousands of apathetic Notaries who don’t know their job and don’t give a damn. My value system does not match the majority of the Notaries.

The bottom line:

(1) I want to attract work for decent Notaries. And if I can’t differentiate a great Notary from an average one, that means more work for Title to sift through them. If most of the notaries on my site don’t know how to be a safe and good Notary, in my mind, why would anyone want to hire them or use our site? This is why I put so much emphasis on free courses, studying, quizzing, etc. That way in my mind notaries who pass deserve to get hired and paid well. Unfortunately only a handful are motivated enough to pass.

If we were a directory with only bad Notaries, or where you couldn’t find hardly any good Notaries, people would not get much work from our directory. Think about it. Those that hire want quality, especially if they pay well.

(2) I want my certification to be valued like in the old days. If people who used to be good, who forgot their stuff, and have become old and sluggish are the only ones with my certification, no wonder people don’t value it anymore. I feel sad taking my certification away from so many people. But, they will only value it when so few people have it, that it becomes an identifier of the cream of the crop. Then people will want it again, but whether or not they will be able to pass the test is doubtful.

(3) When I quiz by phone I have to make 200 calls per day. I have to get each call done fast to get to the next. When a Notary holds me up with sluggish answers, giving me the runaround or antagonizes me, I lose my temper because I really don’t have time or patience. Then, the notary typically gets on the internet and tells everyone how rude I am and I normally kick that notary off my site or mark them up as being a problem. Notaries do not understand that after being talked back to dozens of times per day I am long past the end of my fuse. Talking back to the police is not a good idea and they will not be nice to you if you do it either. Please remember that I am quality control and NOT customer service. If I am screening you, there is no benefit to not being polite and cooperative.

(4) I want to have the best directory possible as I said before. If you cooperate with me by being nice and studying, you can share the fruits of the quality. Otherwise you probably won’t do very well on 123notary in the long run and you are the one who loses the most. A few hours of studying to save your career doesn’t sound unreasonable.

(5) About 5% of Notaries email me and say that they are on my site and that they too are tired of really bad Notaries. For each supporter I have, there are twenty in the opposition who are pro-horrible Notaries and want the industry to have nothing but the worst, because they don’t see the worst as being bad, but think that it doesn’t matter. You just stamp a form and throw a package in the Fedex — that is all there is too it, and anyone who thinks differently is a prick. Those values do not attract quality clients and to not attract me either.

(6) Those “good” notaries who value knowledge who are on my side typically do not spend much time on social media. They are too busy working. Those who are not working are the majority on all theses Facebook groups that bash me. If they would spend as much time studying as they do commiserating with other jerks, they might get ahead.

I just want to have a site I am proud of with notaries who are conscientious, and can handle any type of work-related situation. If that doesn’t gel with you, then I can’t help you!

Also Read: What are Jeremy’s favorite blog entries?
http://blog.123notary.com/?p=18837

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August 27, 2018

Emailing questions to notaries proves fruitful

Filed under: General Articles — Tags: — admin @ 11:07 am

I emailed hundreds of Notaries with notary questions. Carmen likes the idea, and she told me why.

1. Convenience — Notaries have the chance to answer the question at their convenience instead of being put on the spot by me which makes them uncomfortable and sometimes mad!

2. Learning — Notaries have the chance to learn something by looking things up in their NNA materials or on our blog or other sources. Learning should be a regular part of a Notary’s life, so I am glad to give them a chance to learn.

3. Certification — I have been able to give temporary certifications and reinstate people’s certifications who lost it because I could not reach them to test. I would like to have at least 1000 certified member, but people are mostly sluggish about studying and being cooperative, so this goal will not be possible until the market shifts.

4. Wrong Emails — I get to see whose emails bounce and whose are wrong. I can remove free listings who are out of the loop. This is valuable information and it only takes a minute for me to sent them an email and make a record of it.

I am happy that you are learning something, and hope you enjoy our Notary Public 101 course on the blog as it is packed with pertinent information, particularly the scenarios page which can get you out of a bind and save you from a bad review.

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August 24, 2018

Notaries who feel entitled

Filed under: General Articles — admin @ 8:14 am

At 123notary, we have this unpopular practice of testing people to make sure they know what they are doing. Unfortunately, most fail our test with varying degrees of incompetence. People don’t like being quizzed because they know they will fail, yet they always claim to be great Notaries.

The problem is that some of our more loyal clients who have been Notaries for 20 years claim that they shouldn’t have to pass our test or take our test. Some of these people are operating on a 20% level of competency. How is it they survived in this business so long without knowing what they are doing. How is it that nobody else is chastising them for not knowing what they are doing. Customers who hire Notaries are normally unaware of proper notary procedure and also not aware of the consequences of careless Notary work. The result is that I am treated like the bad guy for being the one person who scrutinizes notaries. I do so because I do know the difference and don’t like the attitude of those who don’t give a damn.

In any case, we are having an argument with a New Mexico Notary who just won’t pass our test. He got a failing grade before, and now we jacked up his renewal rate since he is a risk to our reputation for quality. Why can’t he just study? It takes only a few hours to learn what you need to learn as a notary and that will help you for the rest of your life. Why all the resistance. Carmen even tutors people for free sometimes if they are a loyal client.

The fact is that I cannot make exceptions for veteran Notaries. All Notaries need to know what they are doing — no exceptions. If you don’t know, we will allow you to learn. But, refusing to learn is not an option. Our reputation with title companies matters to us, and I do not give you permission to ruin it.

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August 15, 2018

Please let me do my job without all the bashing

Filed under: General Articles — admin @ 10:03 am

For those Notaries who have nothing better to do than bash 123notary, I have a message. The fact that you have time to bash us means that you don’t have many customers because you are not a good Notary, or in my opinion, not a real Notary.

If you spent the time you spend bashing us and everyone else who you don’t like, and spent that time studying to be the perfect Notary, and loan signing agent, you would get more jobs, probably double your income, and then you wouldn’t be angry and go around defaming people. Your bashing might be slanderous, illegal, and I could sue you for defamation, and I have Attorneys who specialize in that by the way.

I have a right to run my site according to policies that I feel make sense. Asking people to:

1. Score 70% on a Notary test seems very reasonable as we are a Notary directory.
2. Login to their listing every 120 days seems reasonable since you need to update your notes and number of signings and let the world know you take your listing seriously.
3. Be reasonably polite and know how to communicate.

My requirements are actually very lax compared to what they should be. I keep them lax because I live in the real world and know that I cannot expect 100% competency, even from our certified members.

You should mind your own business and learn to do your own business correctly instead of being an online lynch mob. You have damaged your businesses by being jerks, and caused me grief by harrassing me in a prolonged way. There is only bad karma from this. Knock it off. I am beginning to consider taking legal action against slander since the problem is so out of control.

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August 10, 2018

Refinances are dead, Foreclosures slow & Reverse very slow

Filed under: General Articles — admin @ 11:30 am

Every type of loan is slow or dead right now.

My suggestion is to learn to do what Carmen and I call “general Notary work.” That means just notarizing random documents for people. This requires knowledge of how to handle notary situations and I suggest specializing in hospitals, jails, and business documents as well.

So, now you know why your phone isn’t ringing. The higher interest rates are making it very inauspicious to borrow money. However, things always change. What goes up must come down. If interest rates go up, eventually they will come down and you will be showered with work if you maintain your skills and your profile. Good luck.

You might also like:

Letter to Trump about the State of the Notary Industry
http://blog.123notary.com/?p=19908

Is trump to blame for the notary slowdown?
http://blog.123notary.com/?p=19138

State of the notary industry = slow
http://blog.123notary.com/?p=20632

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August 2, 2018

Cooperation is a highly merited trait in the Notary business.

Filed under: General Articles — admin @ 9:59 am

In any business, especially the Notary business, cooperation is key. A Notary who doesn’t cooperate might not arrive at jobs on time, or might not get documents back on time. They might not answer their email and might be difficult in other ways.

Part of why we quiz people by phone is to see if people are cooperative and can communicate. I find it difficult to see how someone can hire a Notary who doesn’t cooperate.

We are not asking for huge things here. We just want Notaries who can pass a test, answer a few questions and not be resistant. Why is it so difficult with so many people. And studying is important too. It is so hard to get even our certified members to study. This is your profession, yet you treat it like a hobby. If you truly value being a notary, you would take it more seriously. People can get hurt if you don’t do your job properly. It is not a joke. I take being a Notary very seriously as it protects the fabric of society. How come I am one of the only ones who does?

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August 1, 2018

You are service providers

Filed under: General Articles — admin @ 9:58 am

Some customers complain that I don’t treat them like customers. I treat them more like students in a school, or people who work for me. The reason for this is that you reflect my reputation with people who use the site. If all of our Notaries were basket cases, I would be out of business because no browsers would come to my site.

If you are a Notary who scores well on our tests and logs in regularly, I will treat you purely as a customer, because there would be no integrity breaches with you. But, if you are negligent as a notary, that causes reputation problems.

The fact is that you are service providers as well as customers. The end users are Title, Escrow, Signing Companies, and other people who regularly use Notaries. I treat them like customers because they are the ones who pay you so you in turn pay me. If we lose them, then there will be no 123notary. So, if there is a conflict between pleasing a delinquent Notary and the general population of Browsers, I am compelled to favor the browsers because we cannot exist without them. Think about it.

On the other hand, there is no reason why all of you cannot score 100% on my quizzes and do a wonderful job pleasing customers and logging into your listing. This is easy, you should do it anyway, and it makes life safer. So, why not?

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July 23, 2018

What is the secret to Carmen’s success?

Filed under: General Articles — admin @ 9:47 am

Carmen is one of the best Notaries out there. I taught her when she first began after she had studied from one of those other well known companies and found that their teaching materials were inconclusive. Please let me take a bow — thanks. Carmen gained knowledge throughout the years only to become probably one of the top ten finest Notaries in the United States (not including Guam or Puerto Rico.) In any case, Carmen didn’t get the knowledge she has by snoozing. She studied, and continues to stay up to date on her reading.

She makes $150 to $300 per signing and gets lots of offers. But, most Notaries who lack skills get $60-90 per signing. Don’t you think it makes sense for you low paid Notaries to get it through your head that mastery of skills and good communication and business etiquette is the secret of Carmen’s success? Don’t you think you could emulate what works and do it too? Refusing to have Notary knowledge is not the secret. Claiming to be great while failing Jeremy’s quizzes doesn’t cut it either.

Mastery requires teaching and studying and taking things seriously. Reading the documents at signings to be intimate with what they are about is part of it. Most Notaries ignore the documents, claim to be very “familiar” with them, yet cannot give accurate answers to questions about them.

Mastery is the difference between averaging $80 per signing and getting very few and getting $200 per average signing and having regular work. The fact that most Notaries don’t get paid enough is because most Notaries do not know their job well at all and are remarkably unpolished. The solution is in your hands. You could join the ranks of the elite. The problem is that most Notaries do not want to.

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You might also like:

$300 in 13 minutes – how Carmen cleans up in the Notary business
http://blog.123notary.com/?p=19284

Winging it as a Notary
http://blog.123notary.com/?p=19644

From 3 jobs per week to 3 jobs per day!
http://blog.123notary.com/?p=3940

$10,000 a month on a bad month
http://blog.123notary.com/?p=3891

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July 19, 2018

Attila the HUD

Filed under: General Articles — admin @ 9:49 am

There was was a fierce Mongol named At-tila the HUD. He got so out of control invading different lands, that finally the governments of these different places got together and decided to create a new document called the CD. At-tila was furious once he got the disclosure. Then he died. But, it is estimated in areas that were invaded by the Mongols, at least 3% of the population has a male blood line going back to At-tila, and a prepayment penalty to prove it.

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