In this section, we will test you on some, but not all of the concepts in the 30 point course. Once you feel you are ready, you can email us at info@123notary.com to schedule a time for your over the phone course. If you do extremely well on our test, we might either give you the certification icon, or offer you the certification icon at a discounted price if you didn’t purchase the certification course or loan signing combos in the past. However, we will not reveal how many points you need to earn this certification. Additionally, the content similar to the certification exam would be reflected more in the first 15 questions on the test rather than the last ones!
(1) Other than his loose-lipped girlfriend — The first place you should look for the Lender’s contact information.
What is the ________________ ?
(2) The first place you should query to find Poisoned Prepayment Penalty info without asking the wicked Escrow Officer.
What is the ________________ ?
(3) This type of holiday (mercifully missing meter maids) isn’t factored in to the 3 days a borrower has to cancel their refinance.
What are ___________________ ?
(4) This Mortgage term is similar to The Rate
(batteries, certain fees & closing costs not included; only available at participating locations, restrictions apply; must be 18 or over to enter)
What is _______________?
(5) This is the fee documented in the HUD that can help you get something on the value menu.
What is ___________________?
(6) This Deed lets you take your name off of Title; Think of it as the “Name off Title Affidavit” although you’d be “off” if you thought such a document existed.
What is __________________ ?
(7) This document proves that you reside in the subject property. An if you live in an elevator you’ll need 12 of them.
What is ____________________?
(8) This document is an identity thief’s biggest nightmare as it will have your social security number typed incorrectly and claim that you graduated from Harvard when in reality you went to school online at the University of Phoenix.
What is _______________________ ?
(9) This document makes the borrower agree that they’ll cooperate if clerical changes need to be made in the documents. But it won’t change your loan amount from $200,000 to $20,000,000; so don’t buy the private jet quite yet.
What is _______________________ ?
(10) This loan document takes jazz musicians half an hour to sign in 12 places. About the length of the world’s most annoying drum solo.
What is _____________________?
(11) Many Notaries complete signings incorrectly because they didn’t read this document or the Lender’s mind.
What is _____________________ ?
(12) If you do this on a document, you render it null, void or prohibited by law.
What is ________________ ?
(13) If the names don’t match, you must attach!
If the names on an ID and the documents are inconsistent, or you are doing a Power of Attorney signing, you might need to do this.
What is ___________________ ?
(14) If the borrower introduces you to his girlfriend, ________ you are the Notary. If your borrower introduces you to his girlfriend who is completely naked, call the Lender
What is ___________________ ?
(15) More than once, a secretary in a Title company lost a cashier’s check and the borrower lost their loan. Here is what the Notary should have done to prevent this situation from happening. And don’t get me started on how she misplaced the vanilla hazelnut creamer. Are we being sexist? No. At least a female secretary knows how to make coffee!
What is __________________ ?
(16) This how Samuel Edward Xavier, Jr. would initial.
What is _____________________ ?
(17) This document discloses the APR, and that ain’t no lie.
What is _____________________ ?
(18) The name on the drivers license was Tom Smith, but the Notary refused to notarize because his middle initial and middle finger were somewhere else.
What is __________________ ?
(19) The type of the Notary act must be recorded in the Journal. But, I swear this type of Notary act has no accompanying paperwork.
What is _______________ ?
(20) If black is the new green, this date in January is officially celebrated when St. Patty’s is not. Maybe this question is insensitive, but let’s make a Federal holiday, but not a Federal case out of it.
What is ____________ ?
(21) This type of Notary act can be used to get a university degree officially copied and notarized using a certified copy by document custodian form. It’s almost as easy as getting a fake college degree, or going to the University of Phoenix!
What is ________________?
(22) This type of Notary procedure is used to help elderly people who can’t sign their real name, or remember your name.
What is ___________________ ?
(23) This is a court appointed official that can sign over property when the owner refuses to cooperate in court. When your Quitclaim Deed quits, use one of these.
What is ___________________ ?
(24) This type of Notary seal leaves a raised impression, but not necessarily a good first impression in a piece of paper.
What is __________________ ?
(25) This type of witness is critical in assisting you if you are notarizing someone in jail who has no ID. Whereas your mother in law is just critical.
What is _____________ ?
(26) This section in an Acknowledgment form had a problem because an incorrect county was inscribed. Consequently, the Notary had to use a fresh Acknowledgment form and start all over again.
What is __________________ ?
(27) This action was committed when a signer swapped pages in a document that had already been notarized. The one time a guy chooses to be good at commitment.
What is _____________ ?
(28) This term describes the condition when a Notary will gain financially or in any other way from a document being signed.
What is _________________ ?
(29) This is a state of being where you fail to administer an Oath, omit a thumbprint (assuming you’re not a shop teacher), or forget to identify someone before notarizing them.
What is ________________ ?
(30) E&O insurance protects the Notary if they make an honest mistake during a notarization. But, doesn’t protect the Notary from being sued if they made a non-Notary error during the signing or if this other party made a mistake affecting the loan.
What is __________________________ ?
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I’d rather stop being a Notary than carry a gun
Notaries have very conflicting attitudes about carrying guns. Some are violently against it, while others just see guns as a fact of life. For people growing up in Haiti or Israel, there are people with machine guns everywhere. It is just a fact of life. But for Americans, guns are not so common unless you are a gangster, or drive a pick up truck in a red state. So, how can Notaries defend themselves?
(1) Some Notaries let their husband know where they will be and to call the police if they don’t hear back from them by a particular time.
(2) Other Notaries carry pepper spray. Pepper spray is nice because you don’t do any real harm to the victim. It is not expensive, and not difficult to use. Additionally, you can use it on dogs. In my experience, dogs are more of a realistic threat to Notaries (and mailmen) than humans
(3) Some Notaries always place themselves between the signer and the door so they can run if the going gets rough. You would be surprised how much anger the APR can cause!
(4) At 123notary, we recommend getting advanced training in Okinawan Japanese style Notary-jitsu. Notary-jitsu teaches you how to defend yourselves from the tactics of violent borrowers. You learn to protect yourself from knife attacks, beatings, and small dogs that say “yap.” Yes, this all-inclusive training could save not only your life, but your dignity.
(5) Having a gun. Guns are dangerous. If you use a gun, you will end up in court, and possibly in jail. I am not convinced that having a gun is a good idea, however, in dangerous areas, you might not have a choice. Even in “safe” areas, you could encounter trouble at any time. There are many psycho people out there. They don’t come out all at once — only when you are not expecting it. For some reason, our local taco place has the nicest employees, but the freakiest customers. I have had to call the police once, and on another occassion a woman was beaten so that the thief could steal her mobile phone and then casually walk away — not run, but walk away.
A gun could save your life in an emergency, but pulling a gun could also get you shot. If you can’t pull your gun in time, the gun won’t save you either. Or if someone has you at gunpoint, it is too late to draw. It is up to you to figure out what to do.
(6) Bringing a large flashlight
I used to have a huge flashlight with me when I was doing pizza delivery back in the day. Military flashlights are the only method for being able to read the numbers on someone’s house. They can also be used as a weapon. I used such a weapon to kill once. Don’t get your hopes up, the victim was a rat, not a human. The rat had invaded my bedroom and jumped into bed with me and then ran away. I cornered it and herioically bludgeoned it with a bash to its head. It was all over in a second. He/she felt no pain.
(7) If you were Crocodile Dundee you would bring a huge knife to the signing table. If the signer offered you an apple and was cutting it with a knife, you could say, “That’s not a knife — THIS is a knife!”
It is up to you what types of weapons you use. In my opinion, all women should know some type of self defence. If someone has you from behind, you should know how to stamp on their food and elbow them. You never know when trouble will come, but you should be ready.
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