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July 8, 2021

Business name ideas for a Notary in Vegas

Filed under: Marketing Articles — admin @ 3:10 am

I had this client who has been with me for years. He dropped out and then reappeared out of nowhere kind of like an Ace of Spades that got buried in the deck only to reappear just when you need it. I looked at his profile. There were two business names in use — one on his email, and another on his site which he said was outdated. I told him that both of the names were average. Not terrible, but neither had a ring. So, I sat down with him (by phone) and looked at some ideas that had some pizazz. Here is what we came up with and my commentary.

Wild Card Notary Services
Wow — amazing, mysterious and powerful. Really catches your attention in a good way and has a very Vegas feel to it.

High Limits Signing Service
There is a sense of excitement, risk and danger in this name. I wonder if this name would attract clients with deep pockets.

Royal Flush Notary
This name has a very elegant and opulent ring to it. I bet James Bond would like it.

Deuces Wild Signing Service
This name has Vegas written all over it, but also has intrigue due to that word, “wild” which adds such an interesting dimension to the name.

Stardust Notary Service
Named after an antiquated casino.

Silver Mine Notary Service
Very historical Nevada type of a theme.

Silver State Notary Service
A synonym for Nevada once again and a little bit more classy than saying, “Nevada Notary Service.”

Jackpot Notary Service
Sounds like a winner to me

High Wager Notary Service
Sounds like a gamble

Blackjack Notary Service
Classy, and has an Old West flavor to it.

Buy In Notary Service
A classy gambling term integrated into a Notary name.

Casino Notary Service
Sounds great, but sounds like you do mostly smoke filled casinos and get tired of having buffet seven days a week.

Good Odds Notary Service
A fun name, and the customer will probably have good luck with that service too.

Anti-Up Notary Service
I bet Kenny Rogers would approve of this name.

SUMMARY
I liked all of these names. I don’t know if my customer will register any of these with his county, but I think the top name really has a wow factor and an appeal to it. It sounds like an older guy who’s done it all, seen it all, and been in all types of hair raising situations. And in reality, he was in a few scary situations.

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July 4, 2021

Kaizen – constant improvement applied to the Notary profession

Filed under: Business Tips — admin @ 3:09 am

Toyota uses this Japanese concept of Kaizen. That means that you are constantly trying to improve yourself and how you do things. I am always trying to improve myself too. This is how we attain mastery.

As Notaries, what happens is that the new people tend to be very motivated, pass a bunch of tests, get background screened, get a million in Errors and Omissions, and try hard to do well.

The problem is that once people are in the door, they tend to stop trying as hard. I think that constantly reading up and trying to master Notary principles, sharpening up your marketing techniques and passing new certifications is a good thing. If you want maximum market share, you have to make a list of things you can do that you are not already doing — or, a list of things that you could try to do better.

Always making your notes section better every two or three months is another critical thing to do. Always asking people who like you for reviews is essential as well.

The most critical thing that motivated Notaries do is to email me and ask for tips. I remember the last Notary in Texas who asked me for tips. She was ALREADY doing a bang up job as far as I am concerned. She had a good notes section, reviews, and was getting experience. She had a good personality as well. She needed to get certified by us and a few other agencies for best results to impress people. But, she had a boring business name. So, I told her that a business name that has a feel to it would help. I made some suggestions of names that will have a warm and fuzzy effect on people. We’ll see what she does with the tips. The main thing is that she asked for tips, and she is always trying to improve herself.

The other thing you could do to improve yourself is to learn Japanese and visit the original Toyota manufacturing plant in Japan — and one more thing — don’t forget to bow, very important.

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June 10, 2021

Comments on good journal entry procedure

Filed under: Journals — admin @ 3:09 am

I have written thorough information on journal keeping in other articles. But, here is a summary of some of the more critical points.

1. KEEP A JOURNAL – or else. Even if your state does not require you to keep a journal, it is your only evidence if investigated by the FBI or if summoned to appear before a Judge. This happens more than you think to Notaries so be prepared and keep records in a journal.

2. Don’t forget to enter the type of NOTARY ACT that you are performing in the journal. This is generally a Jurat, Acknowledgment, Oath or Affirmation. Copy Certification might be considered a Jurat in some states, but you could put both names to be thorough.

3. Obviously enter the ID INFORMATION in your journal unless you live in a state that forbids that. Otherwise you have no evidence that you looked at their ID. Make sure the photo looks like them and that the signature on the ID matches the one in the journal and the document. If you want to get cute, ask them their sign and see if it matches their birthday.

4. THUMBPRINTS are almost foolproof. ID’s can be faked, but all thumbprints in the planet are unique to a particular individual. To deter fraud and help the FBI catch very very bad people (and yes we have stories from 123notary members about exactly this.) then keep a thumbprint for all notarized documents in your journal. NNA sells a nice journal with room for thumbprints and you need an inkless thumbprint pad too which is not expensive.

5. DOCUMENT DATES
Most people don’t know what a document date is or what it means. It is an arbitrary date inscribed within the document which normally corresponds to the date the document was drafted or signed. It is yet another indication of which document you are dealing with, just in case you notarize two documents from the same signer with the same document name.

6. SIGNATURES
Signers must sign all journal entries that pertain to documents that they are being notarized on.

7. PRICES. The price you are charging the signers should be indicated in the journal. If you are charging a travel fee, or a flat fee for a mobile signing, indicate this somehow in your records, perhaps on the top entry of a particular signing.

8. ADDITIONAL NOTES? The NNA journal has a section for additional notes. If you have credible witnesses, they sign there. If you notice anything unusual about the signing, write it down as that could jog your memory when you are in court several years after the fact. It is hard to remember all of your signings and roughly 15% of our full-time Notaries who have been around for several years have been to court due to Notary related reasons.

9. STORAGE. Keep your used journals in a safe and dry place. You might get a query for an old journal entry and you need to be able to find them. Your Notary division might want your journals if you quit your commission or you expire, so keep them where you can find them where nobody will steal them.

That’s all for today!

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June 8, 2021

Julius Caesar Notary Public

Filed under: Humorous Posts — admin @ 11:27 am

I don’t think that Julius Caesar was a Notary, but they had Notaries in Rome, and Rome is one of the ancestors of American civilization along with Greece, Israel, Sumeria, France, and England. It is interesting to know that our culture derives originally from Iraq. I wonder what Saddam would have to say about that. They invented the clock with 12 hours and 60 minutes, etc. This silly story is about the American version of Julius Caesar and I got the story as close to the real story as it can possibly be in modern America if you over look the fact that Americans normally drink champagne in hot tubs and not sangria… details.

Julius started his career in escrow in Missouri. Things were good until he went on vacation to the Caribbean and got kidnapped by pirates. He escaped by the grace of God after having a seizure, and then bought a slave who was an expert in Greek philosophy to teach his beloved daughter. He brought the slave back to Rome, Missouri where he lived in this fictional blog article. Think of this as a modern day Julius… you know… with the straight cut bangs… not really my style, but it works for him.

He continued his career while his slave educated his daughter in the classics, and then a terrible tragedy happened. His wife died, and he was devastated.

Disclaimer to the Black Lives Matter movement… The slave was a white guy who looked Greek and thought Greek. So, that makes it okay… I guess…

Meanwhile in Julius’ home town of Rome, Missouri, the mayor made some law changes that allowed him to kill anyone who he claimed was a threat to him. Since Julius was honest and said he would kill the mayor on a whim, the mayor let him live. Then the mayor made his collegue Pompey kill someone else otherwise he would have someone kill Pompey. The citizens of the town had had it, and Pompey poisoned the mayor, and the mayor died in a hot tub. What a scandal. But, on a brighter note, there were no prostitutes involved, so that makes it less bad.

Julius was so stressed out by the situation, he had a seizure. Maybe we should call him Julius Seizure since he had seizures, not Caesars. On the other hand, the Caesar salad works for many people, so perhaps we should leave the name as is.

After that, Julius decided to become a Notary and do some conquering. He conquered the business from all Escrow companies in towns with French names in the midwest. Since that area used to belong to France, there were plenty. He spent eight years conquering what he called France or Gaul, and developed a business so huge, he had to hire many to help him. He spent most of his time away from home wooing more new clients and rarely returned home.

Finally after conquering the Gauls in the French named towns, Julius returned to his home town only to find that Pompey and his colleagues wanted to kill him due to a disagreement about some local political decision they were lobbying local government about. Julius hired a bodyguard, and later learned that Pompey had been killed at an Egyptian restaurant several hours Southeast of their town — that was famous for lamb kabobs and belly dancing. Julius went to the Egyptian restaurant and inspected the severed head of his rival that the Pharaoh kept for him in a basket. He then returned to his hometown.

His new wife had a terrible dream that the windows came open, lots of wind came in, and that she found his body covered in blood in the bed. Julius disregarded the dream. Then a wise elder said, “Beware of the Ides of March.” Julius went to town hall to take part in a political discussion. The friends of the late Pompey were there and stabbed him to death.

After the stabbing, someone mentioned to the old man, “The Ides of March have already come.” The old man said, “Yes, but they haven’t left yet.”

So, this is the Notary version of the story of Julius Caesar. My parting words are —

“He who lives by the seal, dies by the seal.” and
“All roads lead to Rome, MO” (yes, it exists, but few roads actually lead there)
“When in Roam (on your cell phone coverage) do as the Roamers do!”
“A great Notary business isn’t built in a day, but if you work on your notes section, at least you are giving yourself a chance.”

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January 26, 2021

An intergallactic Notary conflict

Filed under: General Stories — admin @ 1:33 pm

This is kind of silly. We have one Notary named Deborah Planet, and another named Venus. I am thinking that these Notaries are in dire need of some slogans.

For the best Notary in this world, call me — Deborah Planet
For a Notary that is out of this world, call me — Venus Smithfield
For a Notary that doesn’t have a dark side, call me — Sandy Looney

But, we have no Notaries called Mars or Mercury. Those could be company names.

Mercury Notary Service — we rise when the temperature goes up.
Mars Notary Service — we declared war on the competition and were both wiped out, but got reincarnated and started again. This doesn’t make sense.

Saturn Notary Service — We run rings around the competition
Jupiter Notary Service — We have 6x more gravity when it comes to keeping clients happy and keeping them around. Oh, and we won’t leave our signature “spot” on the documents either — that stays on the planet. No signing in red please either unless you are into that.
Mercury Notary Service — A signing service that is never in retrograde, or at least not for you.

I’ll end this with one of my signature jokes.

UFO PEOPLE — Hello earthling

HUMAN — are you going to abduct me?

UFO PEOPLE — No but can you like us on Facebook?

HUMAN — Earth Facebook or intergallactic Facebook? Is that censored too?

UFO PEOPLE — We politely decline to say. We don’t have freedom of speech on our planet. Our 1st amendment was cancelled due to a virus that happened 1723 years ago.

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January 8, 2021

A Notary was late to her hospital signing and got a complaint

Filed under: Marketing Articles — admin @ 1:09 pm

I am writing about complaints because that seems to be the juiciest topic of discussion and I do have a few complaints on file to discuss — no names!

The Notary was on the way to the hospital. She called to say she was behind.

The customer wrote a complaint stating the document was time sensitive and that they made a special arrangement.

The Notary explained that it was a $5 job, and that she was stuck in traffic. And besides, she wasn’t going to go in with her already compromised immune system.

COMMENTARY
In my opinion, it looks like the Notary didn’t want to do the job in the first place, yet agreed, and agreed for far too little money. I would charge $80 to do a signing at a hospital. You are dealing with delays, family members, ID issues, signers who might be drugged, and more. The Notary has no business accepting this type of job to begin with if she has a delicate immune system.

And words of wisdom — if you have a weak immune system, go to India for a few weeks — it’s like magic. If you don’t die, you’ll have an immune system made of cast iron (or since it’s India then “caste” iron.) You might get dyssentary, vomit for a week, or have horrible cramps, but your T cells will multiply by three because they will get a lot of action over there with all of the different bacteria cultures and viruses. You don’t increase your immunity by hiding, you get it by sunshine, fun and encountering lots of different types of viruses. Oh, and also having shitake mushrooms — look it up.

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December 27, 2020

New Year’s Resolutions for Notaries for 2021

Filed under: Business Tips — admin @ 4:06 am

Every year I come back to this topic. Sometimes I address it in a humorous way, and other times in a serious way. Notaries often procrastinate some of their responsibilities. Your business will do better if you are a little more proactive in certain ways. Here are my tips for 2021.

Supplies
Stock up on supplies like paper, toner, ink, get that new GPS system if it will help you, pens, stamps, Fedex envelopes, and whatever else you need.

Snacks
Notaries have to eat on the road and that is not always healthy unless you live near a Whole Foods or a Jamba Juice. But, you can have packages of nuts and dried fruits in the car, and then bring fresh fruit on a daily basis. Dried fruits have a lot of nutrition. Apricots, dates, plums, dried mangos, raisins, and other dried fruits are packed with many micronutrients, minerals, vitamins, iron, and more!

Education
The newer Notaries seem to take education a lot more seriously. I noticed a change in collective attitude about six months ago. It seems that Mark Wills at LSS is a force of motivation and enthusiasm to be reckoned with. His students seem to be popular on our site too. His course seems to be oriented towards practical issues like dealing with some of the types of signings that became popular in the last few years (that were not popular during my day sonny.)

123notary has a paid certification course with a hard test. Our testing standards are the hardest in the industry and those who use our site are aware of that. We also have a very interesting FREE course on the blog which people love called Notary Public 101 and we test people who completed that test and sometimes certify them. Most people don’t study enough, but you can make that your New Year’s resolution and it will benefit you for the rest of your career.

Notes
Your Notary profile has a notes section. I just reviewed several hundred of our most prominent notes sections on the site. I am sorry to say that few did a bang up job writing about themselves. I think that putting in a lot of effort to try and figure out what to say about yourself will really pay off. Those who use our site want to read what you have to say about yourself, so if you say very little, they are less likely to call you first. It might take a few hours to read our section on the blog called, “Your notes section” while taking notes. It might take a few more hours to write a great notes section. But, that is what successful notaries so, so if you want to be successful, invest some time in it, especially during the holidays.

Reviews
It is the same suggestion every year. Our notaries seem to have less reviews than a few years ago. The very experienced Notaries got old or died off. Most of our Notaries are new which is refreshing, but they need to have reviews too. Anyone who compliments you on your work – ask them for a review and send them a link to your review page. The link is above your name on your profile.

Company Names
It pays off to have a good company name and register it with your county. We have written many articles on the topic. Please read those articles. It takes hours of brainstorming and conversations with others to pick a great name for your company. It is worth the effort in the long run.

Review your state notary laws
Some people look to Notary agencies for advice, but to know your local laws, please refer to your notary division’s website. Most states have a notary division under their Secretary of State, but some have it under another state office. Review those laws, because you might have a quandry one day if you are not rock solid on Notary laws and procedures.

Summary
I think I better think up my resolutions for this year. I want to be better at time management, lose lots of weight and learn Chinese better. Never mind becoming a millionaire — I’ll save that for 2022.

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November 23, 2020

Notary Test about Notary acts and more

Filed under: Technical & Legal — admin @ 9:41 am

Here are some test questions for you guys to see who’s got it and who has been faking it all this time.

1. In an Acknowledgment, who acknowledges what?

2. In a Jurat, does the signer swear that they:
(a) Signed a particular document and that they agree to it
(c) Are the person who they claim to be
(d) All of the above

3. If a document was signed on March 1, 2001, and today is March 2, 2020, what type of notary act can you use to notarize the document without having it resigned?

4. When administering an Oath to an affiant, after having the affiant raise their right hand (or paw) the Notary should start with the words:
(a) I solemnly swear
(b) Do you solemnly swear
(c) Do you affirm
(d) I solemnly affirm

5. What is the difference between an Oath and an Affirmation?
(a) In an Oath you swear; In an Affirmation you Affirm;
(b) They are essentially the same
(c) In an Oath, the affiant swears under God; In an Affirmation the affiant affirms on their personal honor;
(d) In both acts the affiant makes a solemn promise

6. A proof of execution is an act where the principal signer:
(a) Does not show up
(b) Must show up because the signer must show up for all notary acts
(c) Does not show up, but has someone show up for them
(d) There is no such act.

7. If you have two names on an Acknowledmgent (John & Sally) but Sally cannot make it, what is the most pressing benefit to crossing her name out on the form rather than using a fresh form.
(a) Your recording fees will not be affected
(b) There is less danger of the new form being detached and used fraudulently
(c) It is easier
(d) It will look better in court because it is “cleaner” than using a new form and stapling it to the document.

8. If you are notarizing the signatures of three people each on ten Grant Deeds, how many journal entries should you use?
(a) 1
(b) 3
(c) 30
(d) 13

9. If you are notarizing the signatures of one person on five Grant Deeds, how do you differentiate the Deeds in your journal?
(a) Indicate the property address
(b) Indicate the APN number
(c) Indicate the document date
(d) Just say, “Grant Deed” in your journal entry(ies)

10. If you are at a loan signing and have a question about a notarization…
(a) You should ask title
(b) You should ask the lender
(c) You should ask the NNA
(d) You should ask your state Notary division

Summary
These are very important notary questions. Answering them correctly will help you know your job and reduce your chance of ending up in a sticky situation. You can consult our Notary Public 101 course on the blog to look up content regarding these points although we don’t address these specific questions in particular.

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November 2, 2020

Notary Verbiage & Notary Wording

Filed under: Popular on Facebook (A little),Technical & Legal — Tags: , , , , — admin @ 11:07 pm

Originally published Nov 13, 2016.

Notary verbiage is a fancy way of saying Notary wording. Notary verbiage is legally required on all notarizations that are in writing. Oaths and Affirmations might not contain any written proof of the transaction other than in the Notary journal. The Notary form where the Notary wording is documented or written is called a Notary Certificate. A Notary Certificate would be a separate piece of paper where official state Notary wording is written or it could be the official notary wording embedded at the end of a legal document after the signature section.

Notary verbiage varies from state to state
You need to make sure that the Notary wording you are using is prescribed for your state. Each state has different wording, and you can look up that wording on Google by using terms such as, “New Jersey Acknowledgment Verbiage.” You need to specify which type of Notary act you want to know the wording for. Acknowledgments and Jurats are the two most common forms of Notary acts, although some states allow for certified copies of powers of attorney and other specialized notary acts.

Out of State Notary wording causes confusion
If you are a California Notary Public notarizing a deed with Florida Notary wording, you are allowed to Notarize the document. Notary wording on out of state documents might be a little different than what your state’s official Notary verbiage is. But, so long as it is not substantially different it is allowed. That means that so long as there are no differences in meaning behind the words in the Notary verbiage then it is okay. Most Acknowledgment sections claim that the signer appeared before the Notary on a particular date and acknowledged that they in fact signed the instrument (document).

International Wording
Out of state notary wording has never caused a problem in my personal Notary career of eight years. However, international requirements can cause a huge nightmare. It is common for overseas document custodians (the entity who will record or hold on to the document after it is notarized) to have requirements which are not only “not done” in the United States, but could be illegal. It is common for Chinese organizations to want an American Notary to put a stamp on a blank piece of paper with no Notarial wording which is completely illegal. In such a case, you have to explain to the signer that you are required by law to staple a notary certificate to the document being Notarized, fill it out completely, and then stamp it to complete the Notarization. Most states also require the signer to be identified and sign a journal.

ACKNOWLEDGMENT CERTIFICATE WORDING FROM TOP TO BOTTOM

(1) The Venue

Q. What is a Venue?
A. The venue comes at the top of a Notary certificate and documents the state and states the county.

State of California
County of Los Angeles

Certificate verbiage will contain a venue which is a section at the top of the notary certificate which includes the state and county where the notarization took place, and a signature section at the bottom which is where you put your signature and Notary seal impression. It is possible that a preprinted venue will have the wrong state which is a problem. If there is wrong information in the venue, you either have to do a cross out, or start with a brand new form. Most venues pre-print the state, but leave a blank where the county is to be inscribed. A prudent Notary will make sure all forms get filled out correctly with no cross outs as that is very unprofessional, especially on documents such as Deeds or Power of Attorney which are likely to be recorded by the county or some other organization.

(2) The body of an Acknowledgment.
Below the venue, the acknowledgment certificate will state that on such a date, a particular person or several named people personally appeared before a Notary Public and acknowledge that they signed the corresponding document. The wording will also include the fact that the signer was positively identified or perhaps known to the notary (some states allow for personal knowledge of a signer at a notarization.)

(3) The bottom of an Acknowledgment
Locus Sigilli is a lovely Latin term means the location of the stamp. At the bottom of the Notary certificate form is where the signature of the Notary goes and also where the stamp goes. Most Notaries use an inked Notary Seal while others use a non-inked Notary embosser in addition to prove authenticity of the notarization as it is possible to emboss all of the pages of the document to prove that pages were not swapped after the fact.

(4) Examples

Example of a Florida Acknowledgment Certificate

STATE OF FLORIDA

COUNTY OF BROWARD

The foregoing instrument was acknowledged before me this ___________ (date), by __________ (name), who is personally known to me or who has produced _____________ (type of identification) as identification.

______________________________

Notary Public

Printed Name:__________________

My Commission Expires:

____________________

Commission #_________

California Acknowledgment Wording

State of California
County of Los Angeles

On 7-21-2016 before me , Joe Smith Notary Public, personally appeared Sam Sarno
who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument
the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct.

Witness my hand and official seal _______________
Description of Attached Document
Title or Type of Document: _______ Number of Pages: ________
Document Date: _____ Other: _____________

Crossing out verbiage is required
On an Acknowledgment form, the boiler plate wording in the middle of the form requires cross-outs. Normally on legal forms you don’t want to cross out anything, but these cross-outs establish whether you are dealing with an individual signer, a male, female, group, etc.
If you look at the California Acknowledgment wording above, you will notice the term “Person(s)”. If it is a single person, then cross out the (s). The term name(s) — if there is only one name then cross out the (s). If you are doing a name affidavit, you might have a single person and six or seven names in which case do not cross out the (s). Then there is the he/she/they wording which can be complicated if you are notarizing someone of ambiguous gender or for Siamese twins.

Jurat Wording
Jurat wording is substantially different from Acknowledgment wording in that the Jurat requires the signer to sign in the presence of a Notary and swear under Oath as to the truthfulness of the document. Many states have a simplistic wording that just says,

“Subscribed and sworn to before me this __________ date of ______, (enter year) _______. ”

Other states have more elaborate wording, but the basic facts documented are the same.

Certified Copy by Document Custodian
This is a type of Jurat that is used only from time to time. Many individuals want to make a copy of a document and then have a Notary “certify” that the copy is correct. Most states don’t allow a Notary to certify this information. However, a Notary could make the photocopy him/her-self and write a note claiming that they attest to the fact that the photocopy is a true and complete copy of the original. However, the offficial Notary act that takes place is a Jurat where the signer swears under Oath that the copy is genuine. I completed many such Notary acts for college transcripts especially for foreign clients.

Read More about Notary Wording

http://blog.123notary.com/?tag=notary-wording

Should you use book wording for Oaths or improvise?
http://blog.123notary.com/?p=19660

Notary Acknowledgment Wording
http://blog.123notary.com/?p=18858

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

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October 23, 2020

123notary Elite Certification Study Guide

Filed under: Loan Signing 101 — Tags: , — admin @ 12:24 am

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ELITE CERTIFICATION

To get elite certification, you need to do well on the regular certification topics, and then know a lot more. Here are the items we quiz about for elite certification. We test by phone for the elite, and if you study hard and know your basic documents, scenarios, and Notary knowledge plus the content on this page, you could pass.

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Documents you have to understand intimately

Recorded Documents
Riders
Subordination Agreement
Residency Affidavit
Owners Affidavit
Deed of Reconveyance
Deed of Trust
CD & HUD-1
Please read the details of the required documents. Read more…

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Procedures or Acts to Understand

Signature by X or Mark — read more…
Apostilles and Authentications — read more…

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Other Terms or Information
Please click on the links below to get detailed information on the following points.

The term Elizor — read points 23 on this link. An Elizor is a court appointed official that can sign over property when the owner refuses to cooperate in court.

Explaining beneficial & financial interest. A Notary may not have beneficial interest or financial interest in anything he is notarizing. A beneficial interest could be construed as …

Federal Holidays in chronological order (memorize these). Let’s start with New Year’s Day, Martin Luther King Day, Washington’s Birthday, Memorial Day, Independence Day …

Fraud Prevention & types of fraud that happen in the Notary world. Falsified identification, incorrect dates on certificates, using someone else’s Notary seal …

Authority – Who has the highest level of authority if there is a question about a notary act or document at a signing? The Notary is the authority as to how a notary transaction happens, but…

Annual Percentage Rate — a detailed understanding is required. The APR is based on the amount borrower after certain (but not all) fees and closing costs have been deducted, and expressed as a …

Pros & Cons: — Adding an Acknowledgment rather than fixing the original. if there is a mistake on a preprinted form. It is cleaner to add a new form, but there can be recording fee issues involved…

What to do if John & Sally’s names are inscribed in an Acknowledgment by the Lender and Sally can’t make it. — Cross out or add a new form? This is similar to the last point, but there are some extra snags…

Handling name variations and discrepencies such as: ID Name, vs. Typed Name, Signature on Doc, and Name on Ack. Relationship between these names if they don’t exactly match. The main thing is to obey the law first…

Understanding dates such as: Transaction Dates, Signature Dates, Rescission Dates, and Document Dates… A transaction date is the same as a signature date, but a document date is arbitrarily chosen, but by whom?

Loan Signing FAQ’s that Borrowers ask. FAQ’s have been greatly reduced by Lenders being required to explain documents to the borrowers in advance. But, you still might be asked why the APR is …

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