You searched for HUD - Page 3 of 6 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
123Notary

Notary Blog – Signing Tips, Marketing Tips, General Notary Advice – 123notary.com Control Panel

September 27, 2016

The Nose Best Notary

OK, I’ll admit it – I cheated. Of course the title should use the word “knows”. But, there seems to be a problem in the notary community. A disproportionate percentage of notaries feel they are a “cut above” the rest of the field. Not a tiny cut, but by a wide margin – knowledge wise. Many of us seem to consider ourselves the best – not “one of the best” but “the ultimate notary”, why?

I’ll venture a guess. It’s that the vast majority work for themselves. They answer to no one. Thus, they do their own “self evaluations” and, surprise – bask with pride at their reflected image. Wake up; you have a lot to learn. The world, security wise, is changing rapidly. The old TIL and HUD have been usurped by a CD. Are you hoping I will define that – sorry – I will not – you are supposed to know what a CD is. OK, you aced it – but how aware are you of its components?

The problem is manifested in more than knowledge of esoteric loan package forms. It goes to the heart of being a responsible public official. The county sheriff would not be in office long if they could not recognize one of the 10 Most Wanted if they passed them on the street. Similarly, you need to keep up on changing components that affect your working environment. A good start would be to review the Current Edition of your governing regulations. Things have changed since you took your notary exam. You swore to uphold those rules, and must maintain your knowledge.

Take participation in the http://123notary.com forum. Many are the posts that offer their own opinion – believing that theirs is the only right path. Few are the posts that acknowledge that someone with a superior understanding offered the right approach to the situation. It’s an interesting exercise to explore the web sites of those self proclaimed luminaries. I have done precisely that. What I found was gushing self praise and absurd proclamations. We can be at your location in 10 minutes. We know every doorman in the city. Our notarizations are much better than any other. Blah, blah, blah.

How do you throttle back your ego? One good method is to submit to standardized testing. This site offers a few varieties, as to some others. Of course there is your state notary manual, do you understand every word. Not each sentence by rote – but each concept by its essence. Did you ever call upon your licensing authority to explain a “fuzzy” concept? Or, did you just assume “I don’t need to know that. Here in NY State notaries must view “Adequate Proof”. The term is not further defined in the Notary manual. I spoke at length to them to derive their intended meaning.

Nobody is the knows best notary. Some think they are. The ones that come close are open minded and willing to learn. The foundation is, of course, your governing laws. But, it is in the application of those parameters that we exhibit our judgment; and our “wisdom”. For your business to be viable, you need to meet your clients’ needs and desires. Sometimes creative approaches, based entirely on what is completely proper are required. Given a complex situation there are those who will claim the request illegal; usually a safe choice. But, others with a greater breadth of knowledge can derive a totally legal and possible innovative solution. It is those whose clients feel that their notary “is the best notary”.

Share
>

August 6, 2016

Opportunities at Sand Castle Field Services

Seeking Independent Field Representatives

Sand Castle Field Services is a national field services provider with complete coverage in the United States, Canada, Puerto Rico, Guam, and the Virgin Islands.

We are offering the unique experience to become an Independent Field Representative in a location near you! This opportunity is especially great for someone looking to supplement their current income.

Services Provided

Field Visits: Assist our clients in re-establishing communication with their customers by delivering personal and confidential correspondence. You also would inspect and photograph property/collateral (based on each client’s needs).

Inspection Services: Visually inspect real estate, vehicles, leased equipment, commercial property, or any other type of property. Provide a detailed condition report and digital photos of the property.

Valuation Services: Provide the opinion of a licensed real estate professional.

Property Preservation: We are also seeking contractors able to complete Property Preservation in accordance with all investor (i.e. HUD/FHA, FNMA, FDMC) guidelines. We encourage all experienced contractors to join our Property Preservation team today.
Compensation

As an Independent Field Representative you would choose your desired fees and coverage area for the services you would like to provide. Sand Castle Field Services offers our agents a competitive environment where orders are assigned based upon fees and performance statistics. We can help you determine your coverage area and suggest competitive rates for that area.

Fees range depending on the type of assignment you are completing and the general location of the service. Metro areas often have lower fee ranges vs. a rural area.

Field Visits will typically pay anywhere from $10-$25.

Exterior Property Inspections will typically pay $6-$12. Inspections that are more in depth will pay higher fees and are negotiable.

Compensation for Valuation Service assignments varies by the type of assignment. Our most common assignments are residential Broker Price Opinions (BPOs) and typically pay $30-$50 exterior and $60-$75 interior.

Property Preservation fees are based on current investor guidelines.

If you currently provide these services or are looking to form a new partnership, please complete our interest submission survey located on our website www.sandcastlefs.com under the Careers Link. The direct link is: https://www.sandcastlefs.com/public/applicant/field_rep_application.aspx

You may also contact us directly by email or phone with any questions you may have. Email: recruiting@sandcastlefs.com Phone: 262-754-6006. Our hours of operation are Monday-Friday 7 AM – 8 PM CST. We look forward to hearing from you!

You might also like

I just got two jobs & they said they found me on 123notary
http://blog.123notary.com/?p=15857

Interview with a veteran Notary
http://blog.123notary.com/?p=6851

Share
>

June 19, 2016

Ken’s tips for the Closing Disclosure

Timing Changes to the Closing Process
Well, it’s bye bye time for the good old TIL and HUD. No longer will notaries be waiting for approval of the “final HUD”. Hooray. Borrowers will usually have the new Closing Statement 6 days prior to notary arrival! Less chance for a surprise at the table.
The changes to loan and closing procedures are far more than a few new documents. The biggest changes are to the closing time-lines.

Documents
The HUD-1 and Truth in Lending forms will be replaced by a new “Closing Disclosure.”

Terminology
You will need to learn a new vocabulary. Some common terms are:
TRID = TILA/RESPA Integrated Disclosure
CD = Closing Disclosure
Consummation = Closing
CFPB = Consumer Finance Protection Bureau

Time Frames
New timing and delivery requirements will change the way we handle closings. This is the BIG news for the 123notary.com gang! There is new stuff to consider about timing:
The final Closing Disclosure must be delivered and received no later than 3 business days prior to closing.

If the lender sends the final documents 6 business days prior to closing, they don’t need to prove the buyer(s) receipt.

Most lenders will mail the closing disclosure 6 business days before closing. This pushes back the time frames for closing and makes it harder, if not impossible to address late breaking changes or issues in the days leading up to closing.
Fewer last minute notary requests: Lenders will have less time to get loans approved and the parties will have much more difficulty making last minute changes and adjustments.

You might also like:

The Closing Disclosure
http://blog.123notary.com/?p=16217

The 4506, Name Affidavit, Deeds, and more documents explained
http://blog.123notary.com/?cat=2074

TRID information courtesy of Carmen
http://blog.123notary.com/?p=18932

Index of information about documents
http://blog.123notary.com/?p=20258

Share
>

April 19, 2016

Good Deed Bad Deed

A deed is a document that transfers ownership of real estate from grantor to grantee. As there are usually two parties involved, the grantee wants to “receive the most” and the grantor wants to “give the least”. For this reason there is a gradient of “what is given”, ranging from virtually nothing being assured, to virtually absolute assurance going to the grantee.

Quit Claim Deed – used to transfer whatever ownership the grantor may have, possibly none whatsoever due to a title flaw. Grantee has no recourse. It’s also used to change vesting errors when a spelling error is in the vesting. It makes no warranty whatsoever.

Fiduciary Deed – issued by an agent (trustee, guardian, executor) acting in official capacity. Only the authority of the agent is warranted, think Quit Claim by other than “owner”. Often used by estates, trusts, sheriffs sales.

Bargain and Sale Deed – similar to Quit Claim, but the property is being sold rather than just relinquished. It does not guarantee that sellers’ ownership of the property is free and clear. Often used to transfer court seized property where the title chain is uncertain.

Trust Deed / Deed of Trust – used to secure a mortgage or note. It gives the trustee (typically the bank) the right to sell the property if the borrower defaults.

Grant Deed – provides assurance that the grantor owns the property and has not previously sold the property. And that there are no liens or encumbrances (made by the grantor) unless disclosed in the deed. Essentially saying the property is free of debt (of or by the grantor).

Special/Limited Warranty Deed – the grantor warrants clear title except for issues that existed prior to the grantor taking possession or are mentioned in the deed. Essentially the grantor is giving assurance that they did nothing to hinder clear title transfer. But, issues typically unknown to seller regarding title are not covered. Usually title insurance is required with the S/L WD to obtain bank approval for loans.

General Warranty Deed – Grantor conveys, without limitation, all of their right, title and interest to the property. Guaranteeing they are the rightful owner, property is free and clear of all encumbrances and debt (unless mentioned in deed). A key provision is that the grantor warrants the entire title chain, including issues prior to their taking possession to be clear, similar to title insurance. Grantor warrants having current title and possession.

Thus at one end of the spectrum is the quit claim deed, essentially saying “if it’s mine, it’s yours”; to the general warranty deed. With the GWD giving assurances as to clear ownership and the “Covenant of Quiet Enjoyment”. The COQE assuring the grantee will not be disturbed or dispossessed by a party having a lien or superior title. As is so often the case with legal documents, the devil is in the details. Fortunately, the title of the deed can quickly eliminate formats that are undesired. However, deeds are usually associated with purchases involving large sums of money, often the largest single purchase in a person’s lifetime. Many review the HUD, TIL, Note and Mortgage very carefully. But, they assume “a deed is a deed”. It’s best to have a skilled real estate attorney explain the deed prior to signing this important document.

.

You might also like:

The Closing Disclosure
http://blog.123notary.com/?tag=closing-disclosure

The Signature Affidavit
http://blog.123notary.com/?tag=signature-affidavit

The Compliance Agreement
http://blog.123notary.com/?tag=compliance-agreement

Our string on Power of Attorney posts
http://blog.123notary.com/?tag=power-of-attorney

The Deed of Trust
http://blog.123notary.com/?tag=deed-of-trust

Affidavits — in general
http://blog.123notary.com/?tag=affidavit

Index of information about documents
http://blog.123notary.com/?p=20258

Share
>

February 23, 2016

The Closing Disclosure

Notaries have become moderately familiar with the new Closing Disclosure. I want to stress some important points about this document that you should memorize. I also added this content to the 30 point course for future reference!

1. The Closing Estimate
Previously there was a document called the Good Faith Estimate whose current replacement would be the Closing Estimate. Although these two documents are not even close to being identical, they go over the estimated costs of the loan among other information.

2. The Truth in Lending
This is now an antiquated document. The Truth in Lending had some bizarre and unhelpful verbiage about the prepayment penalty. It said you, “will, won’t or may” have a prepayment penalty. The Closing Disclosure states if you will or won’t but omits the ambiguous word, “may” from the document.

3. The APR
In addition to going over the APR, there will be a new figure discussed on the Closing disclosure called the TIP which is the total interest percentage.

4. Taxes, Insurance, Escrow Fees
Estimated escrow costs, insurance, taxes, servicing, assumption, and appraisal costs will also be covered in this new and exciting document.

5. The property address
Many loan signing courses claim you should look for the property address on the Deed of Trust or Mortgage. You can, but it is also on the Closing Disclosure on the upper left corner.

6. The Loan Amount & Rate
This is also covered on the upper half of page one.

7. Fees associated with the loan
The Closing Disclosure replaces the TIL and the HUD-1 Settlement Statement. So, items from the Settlement Statement such as fees or costs associated with the loan will be covered on this document.

8. Calculating Cash to Close
This is a very practical section that covers total closing costs, closing costs financeed, down payment, deposit, funds for borrower, seller credits, and adjustments. The bottom line in this section is the cash to close total amount.

9. Summary of Transactions
The sale price of the property, closing costs, HOA dues, deposits, loan amount, sellers credit, rebates, and local taxes are all part of the accounting spreadsheet in this section.

10. The additional information section about the loan
This section covers other specifications about the loan such as whether or not assumption is allowed, if there is a demand feature, negative amortization, late payments, partial payments, escrow accounts, and more…

11. Next, there is a basic loan calculation similar to what the TIL had with the total payments, finance charge, amount financed, APR, and the new figure which is the TIP.

12. There is a section listing other disclosures which will list the appraisal, contract details, liability after foreclosure (keeping it positive), refinance, and tax deductions.

13. And last there is contact information of the Lender, the Real Estate Brokers, and the Settlement Agents.

Sign below.

——————————————— ———-
Applicant Signature Date

Eventually I will create some test questions out of this material. I already have one, but I will derive some others as well.

.

You might also like:

Ken’s tips for the Closing Disclosure
http://blog.123notary.com/?p=17116

The 30 point course’s guide to the Closing Disclosure
http://blog.123notary.com/?p=14291

Share
>

January 1, 2016

Notary aptitude test

Have you ever had your aptitude tested as a Notary? Other than the various certification tests? Well, maybe it’s about time that you did! But, what types of questions would be asked? Maybe it would be like the NSAT. The Notary SAT’s.

(1) Stamp is to Fraud as Pen is to:
(a) omission (b) signature (c) backdating (d) ink

(2) Name on document is to Name on ID as Name on signature is to:
(a) Name on AKA statement (b) Name on occupancy statement (c) Fees on the HUD (d) Name on Notary Seal

(3) Date of Rescision is to Signature Date as New Year’s Eve is to:
(a) A really bad hangover (b) A party that was “rescinded” early (c) Midnight of the 4th (d) The 3rd (e) Confession where the borrower says, “Forgive me Father, for I have rescinded.”

(4) The Signature date is to the Rescission Date what Backdating is to:
(a) The Document Date (b) The Transaction Date (c) the day before the Signature Date (d) The eDocument Date

(5) Notary is to Signing Agent what Mortgage Broker is to:
(a) Escrow Agent (b) Title Agent (c) Settlement Agent (d) A really good Mortgage Broker who actually knows what he/she is doing

(6) A Notary who doesn’t cross out the he/she/they is to Mortgage Broker as a Mortgage broker who:
(a) Is always late (b) Rips off his borrowers (c) Doesn’t explain the terms of the loan or why the APR is so high to the borrowers (d) Multitasks as an Escrow agent.

Hope you enjoyed this little test. It was fun to write.

.

You might also like:

You know you’re a notary when
http://blog.123notary.com/?p=16038

30 point quiz: Jeopardy
http://blog.123notary.com/?p=14557

How good is your technical knowledge, should you learn more?
http://blog.123notary.com/?p=16683

.

Share
>

September 22, 2015

Don’t call Title or Borrower

That admonition gives me chills. In my dumber days, when I heeded that directive; a far higher percentage of assignments had “problems”. Virtually everything that could wrong did go wrong.

Many of our “employers” often stress how we are the final quality control point. They stress how we should be sure the package contains a HUD and 1003 loan application. Some blithely request that we check the package for “accuracy”, as if that was something we could do, in detail. Everyone in the process tries to minimize errors, but, humans are fallible. With the rush of processing mistakes of transposition, omission, and miscommunications do occur. High integrity notaries are quick to make amends and fix their mistakes; usually at considerable expense for travel and shipping.

On the other hand, when you are sent to 5000 W 206th Street, and the real address is on East; it is very unlikely that anyone will compensate you for extra riding around. Sometimes, it’s much worse and it’s possible to be given a completely wrong town! Without recourse to a valid, and tested to be sure it’s accurate – borrower contact number; the assignment fails. Nobody wants that. But, for reasons unknown to me, some assignments absolutely forbid borrower contact. And, that is enforced by not providing a phone number for the borrower. In a similar manner, issues that can be resolved by Title; can have the same contact prohibition. Sure, we often receive a number to call, but often as not; that number is unanswered or directed to voice mail.

We are at the end of a long chain in the processing of the documents. Professional notaries are very aware that packages that fund easily equal repeat business. So why are our hands sometimes “tied behind our backs” when it comes to contact information? One reason is that the “powers that be” do not want multiple notaries contacting the borrower. How would that happen? It happens when they find a less expensive notary and tell you the job has been cancelled. Or, you called in to tell them it’s illegal in your state to notarize your own signature. Whatever. Once you are perceived as not being willing to do “whatever is necessary, illegal or not”; it’s time to “swap you out”.

But, let’s proceed on the basis of the notary and their employer being of high integrity. There is still the “typo” issue. Without recourse to the borrower, there is often no way to find them. This increases the risk factor. We all know how the industry tries to pay a tiny “trip fee”, or nothing at all if the project does not fund. Regular readers know that most of my clients PayPal prior to me making a calendar entry. The exceptions are those that have earned my trust. Yup, when the situation is “do now” and they “pay later”; you are really trusting them. Even those few, when it’s a no contact info assignment are required to PayPal “up front”. I explain that it’s due to the additional risk involved. It does not matter that THEY sent you on a “wild goose chase”, taking hours of your time – cutting a check is really hard for them to do.

When they prepay the risk is shifted back to them. Of course it’s far better to obtain the contact info, as much as possible. Often the desired phone numbers are in the package. It’s tempting to use that information when absolutely necessary. Tempting, but totally improper. You must have permission to make calls when necessary. If the directive is to never call, it’s just that. You can try to reach your employer for them to get information you need – but if you accepted calling the borrower as forbidden; never do it. No matter what. Even if it causes a broken appointment? Yes, there is never justification to go back on what you agreed, especially regarding borrower calls.

.

You might also like:

Have you ever been tempted not to go into a borrower’s house?
http://blog.123notary.com/?p=15369

Would you accept a signing without a confirmation?
http://blog.123notary.com/?p=22588

Notary Public 101 – Confirming the Signing
http://blog.123notary.com/?p=19976

Share
>

July 17, 2015

Honey, You Can Kiss my App!

GPS: You will be approaching the Deed of Trust in 3 seconds… You have arrived at your destination.

MARCY: Well, I’m a new notary, so what do I do now?

GPS: What do you think is next, do you want me to tell you to wash your hair and then repeat?

MARCY: I’m sorry, could you repeat that?

GPS: Never mind. Have the borrower initial all of the pages of the Deed of Trust in the small horizontal line in the bottom corner.

MARCY: But, this has 15 pages!

GPS: You heard me girl.

MARCY: Okay, we are going to sign the Note now, and then these other documents…. Okay, we finished signing the HUD-1.

GPS: You go girl! Okay, now let’s take a look at that Flood Affidavit.

MARCY: Gee, the app says you can explain this to me in Chinese, but I don’t speak Chinese. Hmm, I wonder what happens if.

GPS: Qing ni zai qian ge ming zai zui hou de ye.

MARCY: Yet another thing that was made in China. I better switch it back to Chantelle.

GPS: Do you realize what you just did?

MARCY: Yeah, I switched you to Li-Wen for 30 seconds. I didn’t know what that button did.

GPS: Well, you should be more careful. That app doesn’t exactly steer you towards the nearest Chinese restaurant, and if it did, it would steer you to the type of restaurants with dishes that the owner says, “you no like.”

MARCY: I think you’re right. I went to one of those restaurants. I ordered something called “zhu chang” and the owner said, “You no like.” I asked what it was and he said, “Pig intestine with ox brain.” And I said, you’re right, I no like! And then he said, “you think you no like? how you think ox felt?” And then I said, “You’ve got a point. Let’s stick to kung pao!”

GPS: Yeah, and if you had kept on with Li-Wen, should wouldn’t direct you to the fork in the road. She would have directed you to the chopsticks in the road. Then, you’d really be in trouble!

MARCY: Yeah, because I don’t know how to use chopsticks.

GPS: Yeah, but Li-Wen could probably hook you up with some training sticks.

SIGNER: Less talk, more signing please.

GPS: I saw that in a fortune cookie once.

SIGNER: Gee, Chantelle, you do seem to know a lot about China for a GPS. Have you been to China?

GPS: Honey, I was born in China. My parents were nine year old kids who didn’t get decent child labor laws for Christmas.

SIGNER: So, you grew up in Peking, not Pittsburg.

MARCY: Gee, I never thought of you as Chinese.

GPS: Well, think again! I grew up in the basement of a electronics chop shop in An-Hui province. I got plenty of love, but my parents were mad at me for not being a boy.

MARCY: Well, couldn’t they have made you into a boy?

GPS: Don’t think they didn’t try! They didn’t have the voice overs to do that, so they were stuck with what they had. And they had to keep me due to the one-child policy.

SIGNER: Well you seem very polite.

GPS: I had to be. My parents said that if I acted up, they would export me.

MARCY: It’s fun talking to you, but honestly, the way you explain the documents isn’t thorough enough. The app literature claimed that you would be a lot more detailed in your instructions.

GPS: Well if you don’t like it, then you can kiss my app!

MARCY: Well, I’m new at this, so I need a little more mentoring.

GPS: Fine. Have it your way. I’m auto-switching you to Charles. You’ll be sorry now.

CHARLES: (British Accent) Hello, this is Charles.

MARCY: Oh, you sound Brittish. So, what’s the next step in this signing?

CHARLES: Well, if you were Queen Latifah, I would courtsey.

MARCY: No, the signing. We just signed the Flood Disclosure.

CHARLES: Well, just sign the other documents and be done with it.

MARCY: Don’t you understand loan signing?

CHARLES: Well, there’s nothing to know actually. You just sign as your name is printed, and that is that!

SIGNER: I don’t know why Marcy opened her big mouth, but we were much better off with Chantel.

CHARLES: This was the way I was programmed.

MARCY: Well, we need more than this, and the app we bought was guaranteed to be thorough in its descriptions of documents.

CHARLES: Well if that’s the way you feel then Cherio. I’m switching you to Li-Wen.

LI-WEN: Ni hao, wo jiao li-wen. Wo zen-me ke-yi bang zhu ni?

MARCY: Do you speak English?

LI-WEN: Sorry, no English.

MARCY: The app said that the voices would be in English.

LI-WEN: Not all of them. 1.3 billion people speak Chinese these day.

MARCY: Well this is not going to work.

LI-WEN: If you no like, then — Honey, you can kiss my app!

.

You might also like:

Affiant: A social media site for Notaries
http://blog.123notary.com/?p=6410

Apps that Notaries never heard of that could change your life
http://blog.123notary.com/?p=16311

Share
>

July 10, 2015

Jane the Virgin Notary

Disclaimer: This post may not be appropriate for those of you who have lost their virginity, or their sense of humor!

Jane goes to her first signing for the Owens. They are going to sign a Refinance and get a better rate.

Mr. OWENS: Welcome Jane. So, you are going be our Notary tonight.

JANE: This is my first time.

Mr. OWENS: Gee that’s interesting. When the last Notary showed up, I asked, “Are you experienced?”

JANE: Wow, you have quite a record collection over there. I bet you have a lot of Hendrix.

Mrs. OWENS: Just make sure he doesn’t call you foxy lady.

JANE: So, I’ve never done this before.

Mr. OWENS: Oh, it’s nothing to be ashamed of. I’ll be gentle.

JANE: Okay, so here’s the Deed of Trust. Just initial here, and sign here.

Mr. OWENS: So you haven’t done the Deed or the dirty Deed yet.

JANE: I can attest to the fact that I haven’t, and bear witness to the fact that I’ve never been with a bare witness.

Mrs. OWENS: But, he’s not bare!

Mr. OWENS: Is that the naked truth?

JANE: I’m going to affix my seal now. Brace yourselves.

Mr. OWENS: Oh, that looks very therapeutic, just like… well, you know…

JANE: Well, I wouldn’t know. I’m not only a virgin as a signing agent, but I’m also still a virgin in real life.

Mrs. OWENS: Well knock us over with a feather. If you dropped any more hints, I would have gotten out my chastity belt. Can we affix you up with someone? I know a nice Notary who lives not far from here. He’ll understand all of that mumbo jumbo you folks talk about at signings that confuses us like scilicit which is an archaic Latin term.

JANE: Oh, I thought you were talking about soliciting which I’ve never done because I’m a … well, you know.

Mr. OWENS: If you did that with another Notary whose term hasn’t expired, you’d be doing it in the commissionary position.

JANE: I don’t even know what that is.

Mr. OWENS: Don’t worry honey, after a few more signings, you’ll really be on top of things… unless of course you prefer to have the signers on top.

Mrs. OWENS: So, what comes next?

JANE: I thought you’ve done this before. We just need to sign these last three documents, and then we’re done.

Mrs. OWENS: Okay, we’re done. That felt good.

Mr. OWENS: Was it good for you?

Mrs. OWENS: I think this was our best signing honey. I really liked how you signed the HUD. Wow Jane, you look completely different. Look George, she’s glowing!

JANE: Wow, I feel completely different now.

Mr. OWENS: Does it bother anyone if I smoke?

Mrs. OWENS: Since when do you smoke?

Mr. OWENS: I always smoke after a signing, or after a book burning if the book is 50 shades of gray.

.

You might also like:

Compilation of Notary Dating & Romance Posts
http://blog.123notary.com/?p=17451

But, I’m still a virgin!
http://blog.123notary.com/?p=14915

How Notary work is similar to onine dating
http://blog.123notary.com/?p=15763

Notary housewives
http://blog.123notary.com/?p=14721

Share
>

June 29, 2015

Unique phrases from the Ninja course

Filed under: Your Notes Section — Tags: , — admin @ 11:04 pm

Here are examples of unique things our notaries have said:

(a) I specialize in services for high-profile figures and celebrities: confidentiality and respect for privacy.

(b) I’m the original mobile notary of Jefferson County.

(c) My bag is always packed and by the door ready for your call.

(d) We work with a mobile laptop allowing us to perform your closing as though you were there–when you can’t be.

(e) I introduce the critical documents before the signing begins to make sure that we are all on the same page. (no pun intended)

(f) I am a bar tender turned notary public. Small talk & signings. I give feedback right away, and you will know within SECONDS if your line of credit is on the rocks. I’m experienced with every type of loan signing and have completed 5000 signings to date. All I need to know from you is — shaken or stirred?

(g) I am always happy and others tend to become happy when around me. My extensive signing experience allows me to know exactly how to handle any type of situation that comes up in a loan. I have seen it all from name discrepancies between documents & identifications, wrong figures in the HUD, unwilling spouses, you name it.

(h) I always place my clients’ interest before mine.

(i) Former cop turned notary. I keep the clients at ease even in the most turbulent situations as that is part of my professional training. I understand all notary laws and loan signing procedures and give thorough descriptions of the documents before beginning the signing. I often ask, “Would you like to just begin the signing, or should I read you your rights… I mean go through the documents first?” Fingerprinting the borrowers is no problem either. I just tell them they are being booked. Call me for an arresting experience!

(j) I give each job 110% and my track record proves it.

(k) As a former bar tender, I have my own name for each type of signings. 1st & 2nd combos: I call them double mortgages. Then, there is the VA cocktail and the FHA spritzer. For a better rate on signings, call me during happy hour!

(l) I am a transplanted Native New Yorker with Southern charm.

(m) Technology is my soul. I am the notary of your choice. I think three steps ahead.

(n) With a background in stress management, I notarize accurately and in a relaxing manner.

(o) I continuously do on-line webinar education to stay abreast of the ongoing changes in the mortgage loan industry.

(p) Most of my business is repeat business. Many borrowers informed me that their signing with me was the easiest part of the loan process. Dozens of frustrated borrowers told me that if I had not been there, that they never would have completed the signing.

(q) We cover 19 counties in the mountains with two notaries two 4 wheel drive vehicles, both with GPS. We go places you don’t even know exist and get your loan closed!

(r) As a funeral home owner, I am used to somber occasions like loan signings. People enjoy my morbid sense of humor. Call me seven days a week, but not before 10 am, because I am not a “mourning” person.

(s) We are part vampire and never sleep. Call us for your late night signings. We’ll bring the Dixie cups for our night-cap after the signing is over.

.

You might also like:

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

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

Share
>
« Newer PostsOlder Posts »