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June 14, 2013

No you can’t give it back

Recently, I have gotten quite a few calls regarding fees that the notary sees on the borrower’s HUD-1 document. These are relatively new notaries and they are bewildered and troubled at some of the notary fees that they see. Some of the fees are upwards of 250.00 and I assure them that this is nothing unusual.

What is troubling to them is that they are getting 80-90 dollars (often times less) and after seeing the HUD they now want more money and/or want to give the job back. Out of the several calls I get regarding this topic, I had one new notary in particular who was VERY angry. She did not understand completely how this fee thing worked or even how to distinguish one caller from another. In other words she didn’t know if it was a signing service or a title/escrow company on the line let alone what questions she should be asking. So I had to spend some time with her educating her on the differences between a signing service call and title company call. She was totally lost. Once I explained it throughly, and although she now understood the differences she still wanted to get the money listed on the HUD or give the job back. I told her she could NOT do this. I told her, that It was not professional and unethical. She must keep her word by not tarnishing her reputation. She had agreed to the price and she should keep her word no matter what. Her reputation was now at stake. I also told her that she should consider this a bought lesson. The best kind in my opinion…:)

I went on to tell her that now that she understands how this notary gig works, she needed to sit down and crunch some numbers to see what notary fees she will be most comfortable with. This way whatever she sees on the HUD/settlement statement it wont concern her because she will have gotten what she feels is a fair price for her services. As I told her, If I am getting what I feel I deserve, I don’t bother or care about what numbers I see elsewhere. Not my problem…

Until next time…..



  1. The notary should not be reading the HUD – except perhaps to see if there is a check due to ask to include in the package. Or to cover the wiring instructions. A professional notary “signing agent” is not a snoop. Certainly not to gain information for self benefit. Time spent reading other peoples privledged information would be better spent promoting ones own business.

    Comment by Kenneth A Edelstein — June 15, 2013 @ 3:59 am

  2. ^^^How long has this Kenneth E. guy been a notary/signing agent? You absolutely have to read the HUD at some point. As you said to see if there are funds due but most borrowers I come in contact with, like to go over the HUD with you and generalize the closing costs. You cannot just show up with a bunch of papers and say \SIGN\ here. In my opinion, I’ve done better with signings by skimming thru basic docs before the appointment and it saves time when I get there and borrowers ask me things like \what’s my rate and how much is my payment?\

    Comment by Eddie Torres — July 26, 2013 @ 4:51 pm

  3. We are always being given only a portion of the signing fee whenever we accept signing offers from signing companies.

    Comment by Rhonda Anthony — November 16, 2015 @ 11:33 pm

  4. Title Companies are good at a full fee.

    Comment by Sandra C. Lindstrom — March 14, 2017 @ 6:17 pm

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