(7) Signing Agent Articles Archives - Page 25 of 28 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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February 24, 2011

Erica’s Mobile Office Story

Erica’s Mobile Office Story
 
Erica has been a full time mobile notary for 17 years in California’s central coast.  She enjoyed driving her BMW to signings, and the gas mileage was not that bad.  But going all the way up to Northern San Luis Obispo county and all the way down to Santa Barbara Couny, and then all the way up and down and up and down for e-document signings got to be ridiculous.  She said to herself, “I’ve been doing this business for a long time, and there must be a better way to do this”. 
 
A few years ago she decided that a mobile office was the way to do business.  That would eliminate all of the traveling back home each time she needed to print documents.  She could print on the road while driving and multi-task which would make her time work even more efficiently.  There was a particular vehicle that she had had her eye on for a long time — the Chevy HHR.  It was a cross between a SUV and a Hatchback.  But, its main feature was that it’s battery was in the BACK, making it easy to add an inverter and power strip.  This would allow her to have printers, computers and other equipment in the back receiving enough power to all function at once!!! 
 
Long distance travel
Although her BMW got better gas mileage than her new “truck”, she didn’t have to go all the way back home each time she printed docs using the truck!  Erica’s range was 120 miles up and down the coast, and many times she would have to go up and down multiple times per day when business was faster (in the old days).
 
The inverter
Initially, she wanted to get a generator, but thought it would be too loud for night signings.  But, then after she bought her more powerful vehicle, the generator was no longer necessary.  She started out getting an inverter on ebay for $79, but it didn’t have enough Hertz.  Then, she got serious and made a pilgimmage to Oxnard, California to get a heavy duty 2000 watt inverter for $129 which did the trick.    This inverter had enough power for all of her equipment.
 
Her equipment
Erica’s arsenal of equipment includes: (1) a netbook, (2) a three-in-one scanner, printer, and fax (3) HP Laserjet 2430dtn printer that prints a whopping 35 pages per minute! Wow! That’s the fastest I’ve ever heard about.  She has SIX of these and gets them for pennies on ebay, but they might cost up to $1000 in a store.  She get’s her toner for $20 on ebay which costs over $100 in stores.  The other things she stocks in her “truck” include extra legal paper, letter paper, toners for each weapon, staplers, tape, rubber bands, shipping supplies, post-it notes, and dozens of pens.  She also keeps an extra journal in her car just in case!
 
The warranty
Erica is a seasoned electronics customer and gets a square trade warranty whenever she buys something online.  Personally, I would go with the triangular one (to keep things simple), but the square one seems to be the industry standard.
 
More work capacity
The bottom line of this story is how Erica refined her operation to have maximum efficiency.  She can now accept last minute assignments.  And, by eliminating the back and forth, she can now do nine signings per day, when the maximum she was able to do in the old days was five.

You might also like:

Which dual tray printers do Notaries like?
http://blog.123notary.com/?p=19351

Mobile Offices from A to Z

12 points on e-notarizations

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

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February 15, 2011

Cross-out happy; Not a good idea

Some lenders allow cross outs. Others will fire you after the first cross out. Some signing agent courses recommend that you cross things out without a second thought. Others don’t. Even our loan signing course teaches you to cross out wrong dates in the right to cancel document. But, if you work for Provident or other lenders who don’t allow cross outs — you’re fired! Gulp?

Don’t worry, just read the instructions. Many loans have an instructions sheet. If there is no letter of instructions, then ask before you cross, okay? Don’t assume that you can just cross anything out. First of all, remember the golden rule of cross outs. Don’t cross out unless: (1) you have permission and (2) it is a last resort.

What about the 1003? The 1003 loan application has endless wrong information. It is my personal belief that the clerks they hire are required to make endless mistakes — otherwise they will be fired on the spot. If they get your social security number right they will be laid off immediately, right? In any case, the 1003 is not binding in the loan, but has to be sent back signed. Borrowers whine endlessly about this carelessly prepared document. What is the solution? Cross out and initial? Hmmm. Not sure…

My take on the 1003 is that you will cost yourself 30 minutes of wasted time if you call your contact person about anything, so don’t call unless you really need to. Otherwise you will never get out of the signing. If the lender allows cross outs, you will not endanger your loan by crossing out in the 1003 or for wrong dates on the right to cancel. If the lender doesn’t allow cross outs, then don’t do it.

Trick question

Q. What is the only document the is in a completed loan package that REQUIRES cross outs?
A. Acknowledgment certificates require the notary to cross out the his/her/their, etc.

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February 13, 2011

A great attitude gets the most jobs

A Great Attitude Gets the Most Jobs (If You Answer the Phone)

One title company told us recently, “I never believe notaries who say ‘error-free’ or ‘100% error free’– because everyone makes mistakes. But I would like to hear a notary say, ‘If I do make a mistake–I correct it. I will be glad to drive back to the borrowers if I need to.’ That’s the kind of positive attitude we like.”

The notaries who attract the most work again and again are the ones who may not be perfect, but do it all–try hard to learn everything, use best practices, get certification from several sources, get reviews, share stories–and keep attracting work because they have such a great attitude. And we can tell who these notaries are from the very beginning…and so can the companies that hire them. Here are a few notable examples.

This 60-ish man is a notary who had been in the collections industry and also a notary since 1985. From the very first time we spoke with him, he wanted to learn; he wanted to be the best. He has now been a full-time signing agent for a year, and has done 1000+ loans: he followed our advice and now has a thriving business and is training other notaries to help him. He bought a top position, took one of our courses, got certified, got reviews…and appreciated every experience. He says, of the notary work, “I’ve never worked harder in my life.” But he loves the work, and keeps on getting more and more. He always replies to an email. He always has wonderful things to say on the phone, and always finds a sincere compliment for everyone; if he is busy, he lets you know–without ever being rude. He just keeps taking our advice, and his business keeps growing. He is never cynical, and every company that calls him loves to work with him.

And–he always answers the phone.

Another notary who comes to mind is a woman who joined 123notary recently. She has extensive experience in the mortgage industry, but was willing to look at all the sample notes sections we recommended and created a fabulous notes section using everything she could think of in her background. She didn’t think she was above all this just because she had a lot of experience. Her notes were nearly perfect when she sent the first draft, but she was still willing to keep working on them. She also was eager to get our certification–despite her experience that includes almost 10,000 signings– and spent a lot of time studying our “phoninar” blogs; of course, she got the certification. She will do well on the site because of her positive attitude and willingness to make an effort. She always answers the phone.

Our final notary, a young woman, has barely started on her notary career, but is already getting a few jobs because of the energy she puts into everything she does. Her notes section really tells what kind of a person she is (does not mind pets at the signing table), and gives lenders an idea of why they should hire her–even though she has done fewer than 10 signings. For example, experienced in IT, she tells us “Technology is my soul,” and explains how her background in that industry supports her detail work as a notary. She can really have a great conversation on the phone…which often ends in jobs and good reviews. And, guess what? She always answers the phone!

Tweets:
(1) Is it better to say, “1000 error free signings,” or, “If I make a mistake I’ll fix it ASAP.”
(2) The notaries who get ahead are not the ones who brag, but the ones who really want to learn & do a great job!
(3) The notaries who attract the most work get multiple certifications, reviews, and have great attitudes.
(4) A great conversation on the phone often attracts jobs and good reviews, which attracts more jobs. Always answering the phone helps!

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February 1, 2011

How to get paid by out of biz signing companies!

Many notaries ask us how they can get paid by signing companies. Dealing with signing companies can be tricky. But, there are some basic rules of thumb you need to understand.

(1) You need to screen companies before you work for them.
That way you avoid the really bad ones and cut your losses. No notary gets paid 100% of the time, but if you avoid bad companies, you will raise your percentage for how often you get paid. Notary Rotary and 123notary have excellent resources in our lists of signing companies and the forum. You can read the gossip about hundreds of companies before you get involved. Stick you toe in before you jump if you don’t want to get in trouble!

(2) Don’t give too much credit to companies
Notaries get in trouble when they let a company rack up a huge bill. You need to keep track of the payment regularity for each company who you work for. If someone is delinquent on even one payment, don’t work for them until they clear that up. You need to keep your personal records for all signing companies on your person at all times just in case they call offering you work. I wouldn’t offer more than $400 credit to companies with a good rating on our list of signing companies. Don’t offer more than $200 credit to others who are either not ranked, or have mediocre rankings. If they want more work from you, they can paypal you funds up front or pay faster. No money, no honey!

(3) Visit our resources page.
There is a “how to make sure you get paid” page in our resources page. In that page there is a letter from hell which is a template for a demand letter. It works most of the time. But, if the company is out of business, even our demand letter might not work. Don’t get strung along to that point. Settle your finances quickly so that you don’t end up with a company owing you $3000 who is out of business. Keep track, and stay out of trouble.
http://www.123notary.com/notary-public.asp

(4) Your attitude makes a big difference
When I talk to notaries who have trouble getting paid, I notice a few things. First of all, all notaries have trouble getting paid from time to time. But, if a company is low on funds and can only pay a few of the notaries they owe money to, they will pay the ones they intend on using in the future. If you are a bad notary, or are a headache to deal with, you are LESS likely to get paid. Keep that in mind. Be pleasant and professional. One guy who didn’t get paid interrupted me each sentence. I couldn’t finish my thought without being interrupted. No wonder he didn’t get paid. The signing company must have gotten complaints about him. That is not a legitimate excuse not to pay him, but signing companies typically don’t care about what is legitimate or not! They do what they feel like.

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Best excuses why a signing company didn’t pay their notary

Filed under: Tips for Getting Paid — Tags: , — admin @ 2:34 am

Top excuses why a signing company doesn’t pay the notary 

After looking through my list of signing companies today, I saw that the majority had more negative reviews than positive ones.  It is a shame.  Please do your homework BEFORE you accept a job from any of these characters.  However, if you ever want to start a signing company of your own, and string notaries along, you need to learn the ropes.  Here are some basic stringing along techniques.  If you follow these techniques to a tee, then I can almost guarantee you that you will get in trouble with the BBB, the FBI, ripoffreport, perhaps even the district attorney and even the Secretary of State if you are lucky! Additionally, you will win the grand prize of having everyone hate you, creating the worst possible karma imaginable,  and going out of business for sure which is the goal of 90% of signing companies – or so the evidence makes it seem.
 
Excuses for not paying notaries
 
1.  We pay the second Friday of each month… that Friday hasn’t come yet.
2.  Oh, sorry, my accountant is out sick this week (and probably every week)
3.  My Quickbooks keeps crashing
4.  My brother deleted the email you sent asking for payment
5.  My apologies, I lost your fax invoice… and the one before that… and the one two weeks ago on Thursday too (oops!)
6.  The check was sent out three days ago… check your mailbox
7.  Sorry, the loan never funded, so I can’t pay you
8.  Sorry, I’m not in charge of payment, please talk to Marsha (who never answers the phone or emails by the way)
9.  Sorry, but you made a mistake on the HUD-1, and we are telling you now!
10. Sorry, but we took over for XYZ company, and our new name is ZYX, and we can’t assume responsibility for their business with you.
11. We sent the check and here is the check number (a number which doesn’t exist)
12. You never sent us an invoice!
13.  Oh, sorry, did the check we sent you bounce?
14. Sorry, the check must have gotten lost in the postal system.  Maybe it’s because of their pay cuts!
15.  Sorry, checks are being sent out late, we are experiencing a “temporary” cash flow issue.
16.  We pay 60 days after the closing (take your chances!)
17. We are having a hard time getting in touch with the accounting department!
18.  Sorry, our phone is disconnected!!!
19. We can’t pay you until we get paid!
20.  Sorry, we don’t have a copy of your W-9 in our files! (even though you faxed it six times)
21.  Conversations always begin with – I have the easiest job for you today — but then it’s not so easy to collect on it.
22.  Sorry we were rude to you on the phone!
23.  Sorry, but the title company refuses to pay for second visits, even though it was because the documents weren’t drawn correctly the first time!
24.  The check will go out in the “next batch”.
25.  I am owed more than $100,000 and am paying as fast as I can.
26.  You were supposed to collect from the borrower for this signing — that was the arrangement (even though we didn’t tell you beforehand, and even though the borrower’s settlement statement shows a $175 fee for notary on it that already was paid.)
27.  You will get an answer in 10 business days!
28. It takes 3 months for the loan to fund.
29.  Please call back in five weeks because we have a “change in our system”
30.  An “email” will be sent to accounting
31.  Sorry, you must have been faxing to Gary… Gary is no longer with us.  I am the new contact person… just fax me your invoices for the $600 we owe you… It will get paid right away… I promise!!!
32. Sorry, we can’t pay the whole thing, we’ll send a partial payment!
33.  Please hold…….
34.  The check is in the mail…
35. Sorry, we didn’t have your current mailing address!
 
A third notary told some great stories.  He heard from R&R that they thought the check was in the mail.  The next excuse was that their Quickbooks crashed.  The manager’s brother deleted his email, and they kept losing incoming faxes.  Boy… I should write a book of excuses why signing companies can’t pay their notaries.
 
I have also learned that you can get convicted of wire fraud for engaging in crime via the internet! 941 18 U.S.C. 1343
 
Tell us your favorite (or least favorite) excuses.  It makes for good conversation.  If you RESEARCH your companies before you work for them, you won’t ever hear these type of excuses to begin with!

You might also like:

Notary Marketing 102 guide to getting paid
http://blog.123notary.com/?p=19794

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January 27, 2011

Mobile Office: Will it void your warranty?

Filed under: Business Tips,Popular on Twitter 2011 — admin @ 10:30 am

An important upgrade to make to your mobile notary service is having a mobile office, an office in your car. This means, at the very least, having a laser printer wired into the car; for some, it can mean a laptop and a scanner as well. It is expensive to keep going home to get documents printed, and our most successful notaries these days have a mobile office. You can write it off as a business expense (IRS Publication 463), and it will help you save time and make a great impression on the borrowers. We had a forum discussion about having a mobile office in 2010 http://www.123notary.com/forum/topic.asp?TOPIC_ID=2770 and in 2011:

Blog posts about mobile offices
http://blog.123notary.com/?tag=mobile-offices

But, here is some more information to consider.

Recently, GM dealers told a mobile notary that to wire a laser printer into the car will void the warranty. It might cause a power train failure. Wiring in a laptop or a printer could void the power train warranty by altering the engine, and a mobile office is certainly a drain on the power of the vehicle. I assume that is why one of the notaries we spoke to in 2011 described the need for an extra-powerful alternator and battery, and why he puts the laptop on battery only while printing documents.

HOWEVER, another mobile notary who has a Dodge and an extensive mobile office just told us that to avoid the warranty issue, you have to install a second battery and a second alternator– which should actually not cost you more than $150, and does not void the warranty. Get information from a shop that installs car stereos, for example, says the notary who owns a Dodge. You can also google “How to install a mobile office in your car.”

Toyota, however, has said nothing official about such installations voiding the car’s warranty– and another mobile notary just went ahead and installed a printer and laptop through a friend who works on cars. The difference is–his Toyota is out of warranty anyway.

So if your vehicle is still under warranty and you plan on installing a mobile office–check with your dealership or with corporate for the company that makes your vehicle.

Or, you could just get a custom vehicle. Just ogle these new vehicles– made for anyone who wants the ultimate mobile office: http://www.automotto.com/entry/10-cars-that-bring-your-office-to-wheels/

Tweets:
(1) Having a mobile office in your vehicle could cause a power train failure
(2) You need a 2nd battery in your car to handle a mobile office w/o warranty issues

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January 25, 2011

The man who wouldn’t use his middle initial

Once upon a time, there was a man who didn’t want to sign with his middle initial.

This man was very uncomfortable using his middle initial and protested vehemently.

He wanted to use his regular signature to protect himself from identity fraud. He felt that signing in a slightly different way would make him succeptable to identity fraud.

During the initial signing, he was forced against his will to sign with his middle initial. This was during the time when he was doing a purchase on the property. Then, several years later on the refinance signing, the notary explained how he wouldn’t get his money if he didn’t sign with his middle initial.

No initial — No $200,000 — it’s that simple.

So, after a little coaxing, the signer did what the notary asked, and signed using his middle initial, and all went well.

And everyone lived happily ever after

The End!

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A resurgence in interest in 123notary certification

Filed under: Certification & Communication Skills — admin @ 10:51 am

(originally from 2019)

More and more Notaries are becoming a lot more serious and interested in 123notary.com certification. In the old days people said, “I am already NNA certified so why do I need yours?” The answer was always — how much work do you get from signing agent.com. The answer was generally, “not much.” Our site is based on quality and our certification gets people more work.

The amount of interest is like drops in a bucket. Every week a few people express interest and some of them will study enough. But, this can add up over time. Carmen and I like teaching people and we have given a lot of free time to those who expressed an interest in Notary knowledge.

I hope that in the future people start taking notary education more seriously. Although the general climate in the notary industry is low-balling and not quality, quality notaries do get more business and do make more money. So, there is a huge benefit in being at the top of the food chain even in today’s market.

People love our Notary Public 101 course on the blog. We have had more than 10,000 people visit the home page of that course. Most people read it for pleasure and not for mastery, but that is better than nothing. I hope that more Notaries express an interest in learning regardless of who they learn from. 123notary is not just a job, it is my craft and I seek to be the best craftsman I can be by having the best directory. Having the best directory means having the best and most desirable Notaries and that means that you guys need to study and be your best.

Many of you have the intellect to be masters of this trade. However few of you start out with the knowledge. Knowledge is there for the taking. It is just a matter of approaching the information with the intention of mastery. This takes time, patience and perseverance, and perhaps a little tutoring from the people here at 123notary.

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January 22, 2011

Bounced Checks, Collection Agencies, FBI reports: Learn which companies are involved!

Bounced Checks, Collection Agencies, FBI reports…

For some of you, this is old information that you have already been following. However, many notaries do not have time to read everything that goes on on the forum, and this news about signing companies will be of interest and a convenience to them!  It is hard for me to keep up with what is going on on the forums on a daily basis, but I have noticed that a lot of bad things happened in September 2011.  There were a few loan signing companies that had a reasonable reputation that suddenly stopped paying notaries.  One or more companies was reported to be out of business.  I am going to summarize the more important events of the last month or two here. I will only mention the more noteworthy signing companies here.
 
All Service Notary & Signings
Sept 16 – A notary gives up on trying to collect their bill and hands it over to a collection agency. Additionally, this notary reports the signing company to a credit bureau!  Another notary reports trouble getting paid from this company.  A third notary says, that after a long time, they finally received their check — but, that was in early August. The situation looks like it has deteriorated since then.
 
CRES Closers
One notary says that they are the BEST to work for!  Another says they met his fee and that they were great to work for. A third notary claims that they sent payment super fast!  Wow, it is nice to hear good things about a signing company these days!
 
Equifax Settlement Services
One notary got paid, but says the company says that they will take THREE MONTHS to pay for jobs in the future because they have to wait until the loans fund.  Another notary discusses the letter they sent to the BBB about this company. A third notary discusses the difference in what this company offers different notaries for the same work.  One gets $85, while another is offered $125!
 
FASS – First American Signature Services
Notaries are complaining, but not about payment issues.  One notary was taken off the list because FASS found a less expensive notary.  Back in 2010, FASS took over service for a big Title company and dropped the notary who had been servicing the signings for that Title company.  Another notary feels that they were treated rudely after some sort of argument about “quality issues”.  Although there is a lot of complaining going on here, I don’t see any wrongdoing on the part of FASS. They are just shopping around to find the best notaries for them — and trying to get high quality service as well. America is a free country and nobody is obligated to keep the same notary for life.
 
Final Link
Three notaries have complained that this company doesn’t do a good job of getting back to people. Not returning calls, etc.
 
First Preference Signing
Four notaries all claim in unison that this is the best company that they have ever worked for. 
 
Harvard Abstract
Three notaries are claiming that this company is easy to work for and that they pay quickly.
 
HVR Notaries
Two notaries claim that this is a good company to work for.  One says, “They met my fee”, which is a very good sign these days with all the low balling.
 
Insured Closings
Notaries claim that there have been several reports of BOUNCED CHECKS from this company.  Watch out!
 
National Loan Closers
This company is reported to be asking for $25 to keep notaries on their list. This is causing a lot of disturbance in the notary world.  Notaries feel that companies should be paying them, and not vice versa. 
 
Nations Direct
We have gotten many complaints about low-balling and micromanagement. One notary’s signing was interrupted by a phone call, where she was asked if she was using a blue pen.  On the other hand, it is prudent for a signing company who uses many newer notaries to call and check up on people. Obviously, many of the notaries they hired screwed up and ruined many loans which is the reason for all of the babysitting.  Please try to look at things from the signing company’s perspective. They are trying to get the job done.  Also see: Nations Direct has been around for more than a decade!
 
Nowclosings.com
Many notaries are claiming that this is one of the BEST signing companies they have ever worked for.

N3 Notary
A few notaries are complaining that company has badgered them too much during their signings. 

Pacific Document Services
Checks that they sent out have allegedly gotten LOST in the mail. One notary has filed an official complaint with the FBI to try to get this company shut down. Another notary received a check that BOUNCED.  This is one of the most serious cases I have seen all year!  The opinions expressed here are the opinions of particular notaries and not of 123notary.com.
  
Safir Signing Agents
Multiple notaries are complaining about no-pay and SLOW-PAY.
 
Service Link
This company has lowered their fees, and we have had many complaints from notaries about LOW-BALLING from this company.
 
Superior Closings
The people that run this company have been functioning under four different business names over the course of time.  They are reported to be out of business now.
 
The Notary Biz
Many notaries are discussing whether or not this company is still in business.  One notary had a discussion with the owner who claimed that they were no longer in business.
 
The R&R Group
Several notaries are complaining about non-payment, and one is owed $375 by this company
 
Trans State Services
Many notaries are really happy with this company.  Good working conditions and timely pay!
 
Vital Signings
This company has a good payment record, but many notaries are complaining that there are too many steps involved in the signing process and a lot of babysitting.

Tweets:
(1) Here is a list of companies that bounced checks, had FBI reports, or were notorious late payers to notaries!

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January 21, 2011

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.

.

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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