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November 27, 2020

10 reasons to get 123notary certified

Filed under: Certification & Communication Skills — admin @ 7:02 am

Back in 2004 to 2012, many people wanted to get 123notary certified and studied hard to get this designation. In the last few years, we retested our certified members and found that the overall skill level of people on our site had declined a lot and that most people were not willing to study. This is a huge mistake. Title and signing companies care about experience above any other qualification. However, they still reward people for knowledge and the clicks and jobs dispatched prove my point. If you want to have an edge over the other Notaries, 123notary certification is one of the most effective investments of your time — the other two being reviews, a stellar notes section and accumulating mass amounts of experience the old fashioned way. Below are some significant benefits for 123notary.com certification.

1. Get more clicks (but, not on route 66)
123notary certification currently gets Notaries an average of about 30% more clicks to their listing. It is one major factor of several that determines whether or not your listing will even get looked at. More clicks typically translates into more jobs, however, this relationship is not directly proportional. 30% more clicks in real life would translate into 40-50% more jobs. Many people will click once on your listing during a query. But, if they give you extra clicks, that means they are strongly considering hiring you which is why the click to job ration is disproportional and in your favor.

2. Get more jobs from Title
One Notary wrote to me after he failed his certification retest audit. He said that calls from title dropped altogether the minute I took his certification icon away from him. This is not true for all Notaries, but was his case which is why he studied many hours to pass the scrutiny of my questioning. People who work for title want solid Notaries, and they look at a number of factors including certification — and for God’s sake, please don’t have any spelling mistakes in your notes section on your listing or you can expect your phone to be dead.

3. Feel more confident about yourself
Many Notaries who master our materials like the fact that they know what they are doing. At the risk of sounding more like a deodorent commercial — many signing agents have told me that the feel happier and more confident talking to title and going to signings. Yes, they spend many grueling hours studying for our test, but they feel it was worth it and I respect their diligence.

4. Be one step closer to elite certification
You cannot just become elite certified at 123notary. You need to have a solid understanding of Notary procedure and vocabulary as well as a 123notary basic certification. Certification brings you one step closer to being ready to study for the elite test which is very different material and much more obscure.

5. 123notary certification is sought after by particular companies
I have gotten correspondence from Notaries who claim that 123notary certification is informally recognized by 1st American Title among others.

6. You will be a safer Notary
Many Notaries put themselves at legal risk because they do not know the legal significance of how they handle situations. Not keeping your journal correctly could end you up in trouble with the FBI or a Judge in court. Not keeping thumbprints could get you named as a suspect in an investigation as it looks like a cover up. Doing cross-outs when it is not necessary can get you in trouble with certain county recorders or Lenders. Knowing what you can do, and knowing what you can do that is prudent are two different questions. Learn how to please your client without creating liability for yourself by mastering our Notary materials. We have written blog articles where Notaries have gotten into legal trouble and had to pay up to $20,000 to defend themselves when they were innocent. Imagine how much easier it would be if you kept proper records and acted prudently at all steps along the way.

7. Multiple certifications make you look serious
As someone who deals with Notaries all day long, I can attest to the fact that I have a higher level of respect for Notaries who have three or more certifications. Those who just get the NNA certification and say, “That is all I need.” seem like underachievers to me. I have a higher opinion of those who took notary2pro, NNA, and 123notary certification, or Loan Signing System. When I was a Notary I got certified by five organizations to give you an example of someone who takes this business seriously.

8. Make $8 more per signing.
We did a poll many years ago and learned that our 123notary certified members average income made per signing (according to their claims after a mass email was sent asking them how much their average signing netted) was $8 higher than people not certified by 123notary. Elite members made $14 more per signing. Making more income per signing means that after expenses, you will be making a lot more per year. The extra income could add up to $5000 to $10000 extra per year for a busy Notary which might be $200,000 in their lifetime. It only takes ten hours to do a good job studying for our test. Is your ten hours worth $200,000? That’s $20,000 per hour. What else can you do that is worth that much even if you do brain surgery (or are a hitman) on the side?

9. Get perks from 123notary!
If we notice you are 123notary certified, you would be more likely to get opportunities for free or paid upgrades that the others might be overlooked for. Stop being overlooked and get certified today! If you are late paying your bill, we might give you a little longer grace period. And in general we will value you more because you represent knowledge, quality, and come across as being a serious Notary. Over all you will get better treatment from 123notary if you pass our test.

10. Be more fluent explaining things to borrowers
In real life there are certain things you can and should explain to the borrowers while there are others that you should refer them to a professional about. If you pass our test you will know where to find the prepayment penalty, how to explain the APR, what is on the HUD or CD, and when their first payment is due. You will have this information memorized. You will know that a signer can legally presign an Acknowledgment (in most states) whether the Lender “prefers” that or not and how to administer an Oath without falling on your face. You will be more professional and smooth in all of your transactions.

SUMMARY
Certification will help you get more clicks, get more work, make more per signing, be smarter, feel better, be a smoother Notary, and get on the good side of 123notary. It only costs a few hours of study and a small fee, so the only thing holding you back is lethargy. Get off your assets and get 123notary certified today!

You might also like:

Compilation of posts about certification & elite certification
http://blog.123notary.com/?p=16264

123notary’s comprehensive guide to getting reviews
http://blog.123notary.com/?p=16290

How to write a notes section if you are a beginner
http://blog.123notary.com/?p=16698

Unique phrases from the Ninja course
http://blog.123notary.com/?p=14690

The lady who studied 30 hours for her elite test
http://blog.123notary.com/?p=21238

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November 24, 2020

Notary IQ Test: 123notary is to Snapdocs what…

Here is yet another Notary IQ test to test your Notary knowledge and thinking skills.

1. A Jurat is a Notary act that:
a. Has to be sworn to.
b. Has to be signed in front of the notary and sworn/affirmed to as opposed to an Acknowledgment which doesn’t have to be signed in front of the notary.
c. Has to be affirmed to. It is bad to ask people to swear as that might offend certain people.
d. Requires a Jurat certificate and an Oath or Affirmation.

2. Acknowledgment is to Jurat what:
a. A pre-fab home is — to a home that is built on site.
b. A chicken that has an egg inside it and then lays it — to a stork that brings your baby.
c. An Oath — to an Affirmation
d. A venue — to a certificate.

3. An Oath is to an Affirmation what:
a. Traditional is to politically correct.
b. God is to your personal honor
c. A New Yorker says in traffic to what a Millennial in California says at a formal appointment of office.
d. Choosing God to Choosing your diety of choice (pick option 4 for Lord Krishna).

4. A Mobile Notary is one that
a. Lives in Mobile Alabama
b. Used to live in Mobile Alabama
c. Travels to jobs
d. Charges a travel fee.
e. Prefers to book jobs at Starbucks… his “office” so he can have mocha-java while waiting for clients to show up. Sounds like the modern day Fonz having an “office.”

5. 123notary is to Snapdocs what
a. Source of information about real Notaries — to source of information about sad excuse for Notaries.
b. Directory is to Portal
c. Old school vs. High Tech
d. Public reviews vs. Thumbs up or thumbs down.
BTW, I just had a glass of 14 hands Merlot at a restaurant. The waiter asked me how I liked it and I said, “14 thumbs up, but not necessarily from the same seven hands.”

6. NNA is to 123notary what
a. One stop shopping is to advertising and signing agent training
b. Conferences are to blog articles and phone sessions with Carmen
c. A good source for ammunition is to a good source of higher paying Notary leads. (or am I confusing them with the NRA? — sorry, old joke.)
d. A big company where you don’t get to know the staff personally vs. a small company where everybody knows Jeremy & Carmen, but not Raymond.

7. The additional / optional information section on an Acknowledgment is critical because
a. It is good to show you are thorough
b. Jeremy says so
c. You can identify the document in multiple facets on the certificate so that it would be obvious if the certificate were swapped out to a different document.
4. To prevent someone from using the certificate on another document.

8. The most effective use of an embosser would be
a. To create a raised impression on all pages of every document you notarized to detect page swapping after the fact. Also, to prevent page swapping onto other documents that were not notarized by you.
b. To create a really large Oreo cookie.
c. To look hype when you arrive at a notary appointment — check out my embosser yo! Stainless!
d. You could use it as a weapon in case the signer tries to attack you — hey, it happens.

That is all for today students. I hope you enjoy our quiz. You can discuss potential answers in the comments or read Notary Public 101 to learn how I would answer some of these.

You might also like:

Testing Carmen on a bridge in 2003
http://blog.123notary.com/?p=21264

The lady who studied 30 hours for her elite test
http://blog.123notary.com/?p=21238

Notary Aptitude Test
http://blog.123notary.com/?p=15853

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November 22, 2020

How long does it take to get through a signing?

Filed under: Best Practices — Tags: , — admin @ 11:52 pm

Most Notaries allow around an hour for a signing. But, for a HELOC, Reverse Mortgage, or other longer packages, the timing can be unpredictable.

I did a huge construction loan for someone. I was in and out in 20 minutes with a 180 page package. He was a business professional and knew the drill. He didn’t read. He just signed. There are others who read all day at your expense.

One Notary claimed her average signing is 45 minutes. But, it depends on the lender and the type of package, type of borrower, number of pages, etc. Another Notary on Linked In claimed 45 minutes to an hour. A third Notary claimed 45 minutes as well. A forth Notary kept track of her signings over the course of a year and came up with the figure or 45-75 minutes unless there are multiple signers in which case it might take 15 or more minutes longer.

Older clients (the kind that leave their left blinker on for half an hour in Florida) might need 90 minutes for a signing. They can barely see their pen, so how can they possibly know what they are signing?

Summary
The considerations for how long a package will take to complete should be thought about in this order.

Age
Age determines how long a package will take to complete more than any other factor. Elderly people cannot see well, can’t hold a pen well sometimes, and get very tired. Allow a lot of extra time for Reverse Mortgages, Hospital signings, etc.

Experience
Professional businessmen can get in and out of a signing quickly, unless they make you wait for their busy partner to arrive which might take an additional ninety minutes without waiting time unless you negotiate well.

# of Signers
If you have five signers, you might be there for a while. They will have more bathroom breaks, more showing up late, and if even one doesn’t have proper ID, that throws the whole game off.

# of Pages
A fast signer can get through a long package quickly. But, a “reader” will take forever. The type of sign(er) is more important than the type of sign(ing) as a professional signer can whip through a 300 page loan faster than a nit-picky suspicious “reader” can get through an 80 page signing, especially if they have to call their lender.

Prepared Lender
If the Lender on the loan prepares his borrowers well, the signing will go fast. But, what if you get a Lender who waits until the last minute to fill in the blanks. You will be at the signing over an hour with a Lender like that. I had a best client who never prepared his borrowers well. The money was not bad, but they really took advantage of my time. Most Lenders have a few screws loose, and the Notary is the one who pays for that.

# of Notarizations
I was a fast Notary and could do 11 notarizations for two people = 22 notarizations in less than half an hour. But, it is a lot faster to do one notarization especially if the signer whips out their ID quickly (use a stopwatch for measuring that.)

Ending Joke
Here is a Maine joke for you guys.

TEXAS NOTARY: I once had a signing so big it took me three hours to complete

MAINE NOTARY: A-yup, I once had a printer like that

.

You might also like:

Following directions is more important than you think
http://blog.123notary.com/?p=19608

The grace period after your signing
http://blog.123notary.com/?p=19465

10 ways female notaries can protect themselves
http://blog.123notary.com/?p=19196

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November 21, 2020

What are dangerous places for a Notary to be?

Filed under: Business Tips — admin @ 8:25 am

Female Notaries think a lot more about safety than males do. But, even big strong guys can get into danger. If someone is crazy, they might attack anyone, even a big strong guy with a military background.

People’s houses at night.
Going to people’s houses sounds scary. But, in real life, if they have been screened for a Mortgage, they do not stand much of a chance of being dangerous, at least in my experience. However, their neighborhood might not be good at night.

On the other hand, going to a house for a single document might be dangerous. You don’t know who these people are, they have not been screened, and you might be going there at night.

Realistically, the danger is more than you will get into a car accident or bitten by a dog than have an incident with a crazy human being. In my twenty years in this industry I have heard of one Notary getting pushed down some stairs. That is out of 60,000 Notaries on hundreds of millions of assignments.

You might be okay at the house but run into gangs at the local gas station – it happened to me, and we covered it. I know a thing or two because I’ve seen a thing or two.

You might be at a tenement building and some rowdy intoxicated people might be outside. I have heard of this happening once in The Bronx. You could also get harassed by hoodlums on your way back to your car. It might be time to have the appointment at a Starbucks in a better neighborhood. But, it’s up to you.

Nursing homes
If you notarize at nursing homes, your chance of ending up in court is high. That is another type of danger.

Cafes
Some Notaries might notarize at a cafe late at night. Our local taco place is notorious for having crazy people, arguments, and police. The problem is that the police don’t seem to be there at the same time as the crazy people. Just because you are at a “safe” neutral location doesn’t mean a meth addict won’t walk in and start trouble. Being afraid of your clients is a legitimate fear, but the real danger is more likely from a drug addict, bad driver, or inclement weather.

Jails
Many Notaries are afraid to notarize at a jail. That is the safest place to notarize because the bad guys are on the OTHER side of the bars and there is tight security and check points.

The Street
If you notarize on your trunk on the street, you could get hit by a car. I had to park illegally and made the signer come out to sign on my trunk. They complained. I said that this is the only way I could do it otherwise I would have to leave as there was no place to park.

General Tips
It is generally a good idea to be aware of high risk individuals. Those who seem intoxicated or who are acting unusually. People might seem agitated, angry, or afraid for example. Additionally, people might get upset if you refuse to do an illegal notarization and that could trigger a situation. Other people might get upset that their rate is higher than expected. You need to know what to say and how to handle these types of situations. Personally, I have been to about 6000 total signings two thirds of which were loans. I have never been in a dangerous situation. The only disconcerting situations I have had involved animals and gang bangers who were “around” when I went to bad areas to do signings. But, these dogs and gangsters didn’t actually actively do anything to threaten me — I just felt threatened by their presence. Maybe I am worried about nothing. Maybe I overreact to certain things because I am not from that type of neighborhood and because I don’t like dogs.

As a rule, use your senses, and if you feel something is not right, step out. Also, make sure you know your escape route, because there is a small possibility you might need to use it.

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November 18, 2020

What do successful Notaries do that you don’t?

Filed under: Business Tips — admin @ 6:00 am

Originally published in 2019

We all want to be successful and we all think that we are experts at our job. But, are we really? Here are some things successful Notaries do that the others don’t do.

1. Keep your profile managed regularly.
What does this mean? You have to login, make sure your hours, counties, notes, and reviews are as current and thorough as they can be.

2. Keep your knowledge up and keep reading.
Serious Notaries read the various blogs and forums. They also take courses and get certified by more than one agency. Instead of claiming to be so great, they get a reputed third party such as the NNA, 123notary, Notary Rotary, etc., who has an impartial test, passes the test and then has credibility. Serious Notaries keep reading and have a never ending thirst for knowledge.

3. Knowing who to extend credit to
This is one of the hardest aspects of being a Notary. The tendency is to get as many jobs as possible. But, smart Notaries say no to bad jobs, jobs from companies that have payment issues, or jobs that pay too little. As a Notary it behooves you to have standards, but try to keep the standards reasonable as well, especially if you are new or if business is slow.. Don’t let companies rack up a huge bill. If they owe you more than $300, then ask them to pay up before you do more jobs, or Paypal you for future jobs.

4. Setting terms and having contracts
This is for the very advanced Notaries but some people do have a contract for others to sign. This is taking the upper hand and others might not be willing to sign your contract unless you are a top notch Notary — after all, why should they if you are a slouch?

5. Scheduling
Successful Notaries know how to schedule their day and get rid of packages fast so that they are not late.

6. Equipment
Good Notaries have top notch equipment and fix it fast if it breaks. They know how to download anything, anytime and anywhere and don’t make excuses. A good dual tray laser printer is a good place to start although you need good scanning and faxing equipment as well

7. Watching your email
Jobs can be dispatched through apps, email and by phone. So, a good Notary keeps a constant watch of all of these mediums.

8. Other sources of income.
Relying on Notary work when times are slow doesn’t make sense. Smart Notaries realize they need to diversify. We have a handful of full-timers who make a full living at this job. But, the majority cannot, so try to be realistic and have multiple streams of income.

You might also like:

How to become a successful mobile notary from scratch
http://blog.123notary.com/?p=13340

Beginner’s Notary 103 Reading List (Resources)
http://blog.123notary.com/?p=21120

How to write a notes section if you are a beginner
http://blog.123notary.com/?p=16698

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November 16, 2020

Notary fined $385 for botching a Notarization

Filed under: General Articles — Tags: — admin @ 10:49 am

Originally posted in 2018

Many of the Notaries on our site are so incompetent about communication and Notary practices that I shutter to list them. The fact is that I am not always informed when Notaries get in trouble. I would like to hear more stories of Notaries who goof and get in trouble because I want to learn how to prevent the problems from happening in the future.

The fact is that a Notary in Louisiana (I don’t remember clearly the name of the state but think it is Louisiana) did a Notary job for a loan signing. The Notary was new and had no idea what she was doing. There were numerous mistakes on dates, signatures, notarizations, etc. In fact there were so many mistakes that the Lender make the Notary pay for the redraw of documents. The bill came out to $385. Ouch. What a nasty surprise for this enthusiastic but clueless Notary.

The moral of the story is that you cannot just get a Notary seal and start working without knowing what you are doing. The states don’t prepare you at all for Notary work. Even California gives very little hands on training. NNA certified notaries have been trained in some basic aspects of loan signing, but that course does not teach basic Notary knowledge. So, if you think you “know what you are doing” because you are NNA certified, try taking NNA’s Notary Essentials course first. It is better to know how to be a Notary than a loan signer, because most of the mistakes notaries make are either rudeness, leaving people high and dry, not following directions, or you guessed it — Notary mistakes. Notaries very rarely get in trouble for not knowing their loan documents and rarely get in trouble for dating an RTC wrong although it could happen.

So, become an expert at being a Notary. You can get into trouble with me if you don’t and trouble with the law, lenders and customers as well. Knowledge is power and ignorance comes at a high expense.

.

You might also like:

Notary loses $4000 in legal fees because a fraud added a name to the certificate
http://blog.123notary.com/?p=19477

If you’re named as an identity theft conspirator, it could cost you $20,000 in legal fees.
http://blog.123notary.com/?p=19481

Do you keep a journal to please your state, a judge, the FBI or 123notary?
http://blog.123notary.com/?p=19483

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November 10, 2020

Which Dual Tray Printer do Notaries like? And what does 123notary say?

Filed under: Business Tips — admin @ 10:47 am

Originally posted in 2018

There was a conversation about Dual Tray Printers on the NNA Linked In page.

Nobody had a twin brother, but someone bought an older brother. That solves my problem of being an only child — buy a sibling. Available at Walmart and Amazon.

Recommendations by Notaries

Brother MFC-9970CDW. It’s a workhorse!

Brother MFC-8710DW. I’m happy with it.

Brother multifunction model is 8850

Brother 5200. and it’s AWESOME

Brother HL-L5200DW

Brother HL-L8350CDW and like it. It allows you to purchase the second tray separately (as an addition)

brother HL6180-dw I have tried many different ones this has been the best I ordered on Amazon

HP Laser Jet 4350 DUAL tray 10,000 per cartridge black only same as my Bank uses, it is a work Horse

Warning:
One Notary says that Brother printers aren’t easy to set up with a Mac.

123notary recommends
When starting out, a less expensive, but reliable printer might do the trick. But, if you get good business you should consider having two printers. A fast one for home and a small one with a good power source for your vehicle so you can print on the road which saves tons of time going home to print. Here is what we think you should look for:

1. A reliable brand.
Notaries in the business seem to like Brother best with HP as a second choice. Model numbers that experienced Notaries like are above.

2. Dual tray
means that the printer has two trays. You can use one tray for legal and the other for letter sized paper. Title companies prefer dual tray. It is more professional and means that you don’t need to use special software to sort out the different sizes of paper using a single tray.

3. Speed of printing.
You will be printing a lot if you do loan signing. If you do four packages a day that are 100 pages per package, and all need borrowers copies, that is 800 pages. If you have a printer that prints 45 pages per minute, your job will be done fast. Otherwise you will be sitting and watching for a very long time while your assignments print.

4. Replacement ink or toner
I do not use dual tray printers myself and have been out of the signing game for a long time. If you have a printer that uses ink, make sure you have a few good sources to get replacement ink, order in bulk, and have it in your pantry ready to go. Make sure it is affordable too, otherwise your yearly ink bill will be a tax deduction that is a little too good. If your printer has a toner cartridge, research replacement parts and their costs and how many pages it covers to estimate your costs over the life of the printer.

5. Repair
If you buy from a well-known brand, it will be easier to find places to repair your product. Hopefully, you will never need a repair. You might have a back up printer too just in case you have to leave your printer in the shop for a few days.

You might also like:

Split PDFs into Letter & Legal separate PDFs

Split PDFs into Letter & Legal Separate PDFs

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November 8, 2020

Elite Certification will benefit you for the rest of your life

It sounds ominous, but could be good too. Like if it were a goose that laid golden eggs. How can one possibly get such a goose? Easy — from 123notary!

Many Notaries say, “I studied already, why do I have to study again?” The answer is that in any profession, to keep you up to the highest standards you have to keep studying. And we have raised our standards and want to raise you with our standards. In the old days, we only asked a few questions to elite certify people because we were not organized about that particular test simply because so few people would take it. Now, we are giving it for free to many, and asking several dozen well organized questions falling into several categories. But, let’s do a cost and benefit analysis.

Cost – Free, but you need to invest 5 hours
It might take a few hours to study for the elite quiz. However, it does not cost money now. We used to charge $179, but now it is free, and lazy Notaries are not jumping at the opportunity because they want to get paid for services when they don’t understand what they are doing (despite their claims of being an expert.) I quiz people all day long and only 3% of you guys know what you are doing regardless of how many decades you have been doing Notary work incorrectly or illegally.

Just review basic notary acts and procedures. Review which documents cover what topics. Review the advanced elite topics in our study guide. It is not that hard and you can learn it.

Benefits:

1. Elite Certification is something you can keep for life.
We might want to do brush up quizzes from time to time, and you might have to review, but it is given with the intention of being a life designation. Whatever studying you do will benefit you with this icon for the rest of your career — day after day, month after month, year after year. You will get more money and jobs for the rest of your career.

2. Make $14 more per signing.
A poll of three hundred Notaries revealed that those who passed our elite certification made $14 more per signing than those who were not 123notary certified. Most Notaries complain that they don’t get paid enough and that they want to find a way to get paid more. Meriting the pay by proving your knowledge is the key. Our elite certification is highly prized and will get you more pay

3. Get more work
Those who are elite certified get a lot more clicks to their listing and a lot more work. I would estimate that they get close to double the work and more money per job. That translates into perhaps triple the income after expenses are paid such as car, printing, phone, etc.

4. Get favors from 123notary
We don’t always do people favors, and sometimes we do unfavors if you don’t login for 120 days (I’m sure you heard about that.) But, Elite Certified Notaries are a special breed, and if we can find a way to raise them up the list, we will. I am not promising anything, but we regularly reward Elite Certified members.

5. Get more respect from title companies
Title companies prefer our Elite members. If you are tired of signing services, get elite!

6. Legal safety
Most Notaries are not aware that being a Notary has legal liabilities. Some of the liability comes because of fraud or misunderstandings that can happen to you that is beyond your control. However, a lot of the danger that happens to Notaries happens because they do not take safety precautions in their paperwork, nor do they follow the law in many instances. Our elite program helps you be cautious and law abiding which could save you from being a witness or defendant in court. Being subpoenaed to court happens to 15% of full time Notaries eventually and is more common that you think. Reduce the chances of this happening to you by being safe and taking all the possible precautions.

7. Knowledge and pride
Most Notaries are proud of themselves thinking that they know it all when they know close to nothing. Having our Elite Certification proves that you are in the top 2% of our Notaries and really know your stuff up to a very high standard. You can feel pride based on real knowledge and not on an arrogant misconception of knowledge.

Elite Certification can change your life. It only takes a few hours of study. I assure you that it is more than worth it.

You might also like:

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

Studying to be elite certified is worth $533 per minute
http://blog.123notary.com/?p=20774

The elite certification study guide
http://blog.123notary.com/?p=20118

Attention Title Companies – what you need to know about our new certification standards.
http://blog.123notary.com/?p=21065

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November 7, 2020

A comprehensive guide to Notary organizations

Originally published in 2016

Are you a Notary? Do you want to join some Notary organizations? There are many of them out there. Some help educate Notaries while others have helplines or hotlines. Some sell Notary supplies while others help Notaries advertise their services.

123notary.com
http://www.123notary.com/
123notary.com has been around since 1999 and helps Notaries advertise their Mobile Notary services online. Title, Escrow, Signing Companies, Attorneys and individuals love using 123notary to find some of the best trained and most experienced Notaries anywhere. 123notary also sells loan signing courses and has a very entertaining and informative blog. Check out their list of signing companies with reviews to see who you should and shouldn’t be working for.

National Notary Association
https://www.nationalnotary.org/
The NNA has been around since 1957 as a California Notary Association to help Notaries with educational resources and tools. In 1964 it became a National Association. NNA sells Notary supplies, errors & omissions insurance, education to help pass the Notary exam and become a signing agent, andmore… Advertise your signing agent services on signingagent.com

Notary Rotary
http://www.notaryrotary.com
Notary Rotary has been around for decades and offers a very potent way for Notaries to advertise their services. They also sell seals, and E&O insurance. Signing Agents can place an add and get found based on how close they are to the zip code being searched for.

SnapDocs
http://www.snapdocs.com/
This organization makes it easy to find newer Notaries who work for cheap as well as providing a system for downloading documents. More seasoned Notaries are complaining that SnapDocs is contributing to the lowering of fees in the industry. We recommend this organization for newer Notaries who want to get their foot in the door.

American Society of Notaries
http://www.notaries.org/
ASN offers a phoneline for technical support just in case Notaries have a question while on the job. They also sell Notary supplies and more.

American Association of Notaries
http://www.notarypublicstamps.com
Buy your stamps from the AAN!

Notary Café
https://notarycafe.com/
Notary Cafe is a smaller directory of Notaries that seems to specialize in the more serious Notaries. We do not have records to show how popular their directory has been in the last few years, but they have been popular for a long time.

Pennsylvania Association of Notaries
https://www.notary.org/
Need help becoming a Notary in Pennsylvania? Try this organization.

California Association of Notaries
http://www.calnotaries.com/
This is yet another Notary directory.

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You might also like:

Snapdocs — see our feed for posts about this company
http://blog.123notary.com/?tag=snapdocs

The Towles Booth (pronounced Tolls)
http://blog.123notary.com/?p=9456

Why the Notary industry went South
http://blog.123notary.com/?p=16500

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November 5, 2020

Spousal States List

Which states are spousal states for Notary Loan Signing?
Alabama
Alaska
Arkansas
Colorado
Florida
Illinois
Iowa
Kansas
Kentucky
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
New Hampshire
New Jersey
North Carolina
North Dakota
Ohio
Oklahoma
South Dakota
Tennessee
Vermont
West Virginia
Wyoming

Note
If you are a married homeowner in a Spousal State, your spouse is required to sign certain documents to attest that he or she is aware of the new loan.

Typically, the spouse will need to sign the Deed of Trust, the Right to Cancel, the Truth-In-Lending (TIL), and a few other title and settlement documents.

Your spouse is not financially responsible for the mortgage transaction by signing these documents as long as they are not on the note (the note is the legal-binding document that defines the terms of the loan and who is responsible). They are just acknowledging that a new mortgage is being taken out against the property.

It’s also important to mention that anyone on the deed to your home must also sign the spousal documents, whether you live in a spousal state or not. All owners of the home must acknowledge that you are borrowing against the home.

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You might also like:

Spousal States List on the Forum
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4329

The 30 point course – a free loan signing course on our blog
http://blog.123notary.com/?p=14233

Signing Agent Best Practices
http://blog.123notary.com/?p=4315

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