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January 8, 2011

Good ID is not Enough

Filed under: Ken Edelstein,Popular on Twitter 2011 — Tags: , , , — admin @ 10:38 am

It’s a sad notary who is writing this installment. I write this in the evening after the culmination of a series of events. My tale will be familiar to many, especially those with years of experience. It started out as a routine request to notarize a Power of Attorney, then the Agent would sign two additional forms using their Powerof Attorney authority. The assignment was from a lost funds recovery agency. The three short documents were emailed to me; and my fee was coming as a check; mailed the same day.

Delays developed into two weeks, presumably, I did not verify; the check cleared long prior to the start of the assignment. As to the assignment: An elderly lady was in a convalescent home, she was to give her son Power of Attorney to dispose of some assets. Immediately my antenna went up. Hospital environments are challenging, seeing proper ID often a major problem. He also assured me that she was rational and able to understand the document she was to sign. The son related that she did not have “Govt issued Photo ID” but a collection of documents that should suffice. We discussed this issue at length. I have wide latitude in what constitutes proper ID in NY State. The rule here is that the notary is required to view “adequate proof”. That’s it. No further guidelines.

The son could produce several original (not photocopies) documents that only a family member would have access to. The sticking point was the aspect of photo ID. Finally, a breakthrough; the facility had in the patient folder an admission picture, and were willing to give me a copy (to be returned with other photocopies of original documents. It was not the best ID situation, but the lady had been in the home for over a decade, and the assets were recently discovered.

I know, I’m letting the son’s “story” influence my “is it good enough” decision. There were other positive aspects of her identification that I will not disclose. Suffice to say, I informed the son that strict adherence to gathering her ID was essential. Looking at the notary section of her Power of Attorney, I noticed that “produced a driver license as identification” was preprinted. I could not edit the file as the PDF was from a scan. I had the attorney send me an editable file and changed that line to mention by name each of the ID components that I planned to accept. A quick scan and I proceeded to send the scan to the attorney for approval. Approval granted.

The next hurdle was witnesses. I could be one of them. The son said he would “draft” a nurse to be the second witness. Been there, suffered that. Many is the facility that I have visited that do not allow staff to sign anything. The son insisted they would. I asked for the name and contact number of the specific staff member to be sure to arrive during their shift. Son was unable to obtain any commitment and a few days delay was incurred as he found a witness.

Finally, after two weeks, we set a date and time. I prepared two of each of the three documents in case there was a mistake. Upon entering her room my heart sank. It was obvious that she would be unable to understand what she was to sign. Additionally, she was physically unable to sign. The floor nurse was called, and confirmed my opinion. She could hear, but not respond to “blink three times if your son is standing in front of you”. The floor nurse called the Social Worker who asked “what’s going on in here”. A brief explanation later yielded “I will not permit her to sign anything”. Of course that was redundant; I would not notarize with or without her permission. The son lamented that the “Court Appointed Guardian” procedure was too time-consuming and expensive. This was my cue to leave, feeling sad for her affliction. But, the law is inflexible, applies to all; and as NY notaries are sworn officers of the State Department – I could only walk away.

.

You might also like:

Notary Etiquette from Athiest to Zombie
http://blog.123notary.com/?p=13718

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November 29, 2010

Just Say No Article #2

Filed under: Just Say No!,Legal Issues,Technical & Legal — Tags: , , , , — admin @ 12:02 am

Assisting with Immigration issues
If you are not an immigration expert, don’t answer immigration questions and don’t advertise yourself as an immigration expert. However, notaries are allowed to notarize many types of immigration documents. Just don’t give advice.

Assisting with legal advice
If asked for legal advice, if you are not an attorney, please refrain from giving legal advice as it might constitute unauthorized practice of law. Drafting legal documents, i.e. documents to be used in court or submitted to a judge or attorney could constitute legal advice or service (unauthorized practice of law) in many states. Don’t even offer to recommened particular notary procedures for their document, as that also could constitute unauthorized practice of law.

Backdating
Putting a date on a document’s notary certificate section that is previous to the current date is considered backdating and is illegal. Don’t backdate. Many signing companies will ask you to backdate when they are in a pinch and will lose their lock on the borrower’s loan. That is their problem, not yours. If you backdate you could lose your commission if you get caught. It is a misdemeanor in many states to ask a notary to commit fraud, so you can report a company that asks you or coerces you into backdating.

Don’t make notarial recommendations
Customers always ask what type of notarization they should get. You are not allowed to tell them in many states. You can describe the attributes of the various types of notarizations and ask what the document custodian would like too. Just don’t make recommendations.

Letting your boss review your journal
Your boss can not inspect your journal on their own. However, if you are present, then its okay if your boss inspects the journal. The notary should not let the public see journal entries unrelated to their specific business. Its best to make a copy of the journal entry that blocks out other entries to protect the privacy of the others who you notarized. If not all of the notarizations are related to your boss, it would be better if you make a copy of the journal entry in question rather than letting the boss look at the whole journal while you are there.

Blanks?
Don’t notarize a document with blanks in it. The blanks must somehow be filled in or crossed out. Otherwise you must decline from notarizing that document.

Lock up your seal and journal
Not all states require a seal and journal, but these instruments are the exclusive property of the notary and must be kept under lock and key. Don’t let others use them or you can get in big trouble, and so can the person who used them.

Don’t notarize parts of documents
If you are handed page three of a long document, you can not notarize it as a separate entity. Documents must be in their complete form to be notarized. Don’t only notarize the last page of a document — the page that contains the certificate wording either.

Failure to emboss?
Its not required by law to emboss pages, but if you choose to emboss every page of every document you notarized, it becomes difficult to substitute pages of documents without getting caught. Embossers leave a raised seal that can not be photocopied, so you will be detering a lot of funny business using an embosser.

You might also like:

Notaries that fail and what they did wrong!

Everything you need to know about journals

13 ways to get sued as a notary
http://blog.123notary.com/?p=19614

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November 4, 2010

The Florida Notary issues and quirks

Filed under: Florida Notary — Tags: , , , , , , , , — admin @ 10:21 pm

Florida Notary Issues and oddities

Understanding a document
A Florida notary public is NOT required to be able to read all documents being notarized by them, but the signer must be able to read the document. The document must either be in English, or a language the signer can read. This is differently worded from many other states. In California, the notary must be able to communicate directly with the signer, but does not need to understand the contents of the document, nor do the contents need to be in English.

Foreign language signers
The notary must be able to communicate directly with the signer without the help of an interpreter in California. So, if the signer brings their children along to help translate, the notary must decline the job unless direct communication is possible. But, in Florida, the statutes do not specify that the notary and signer must be able to directly communicate, but specify that the signer must have the document translated into a language they understand in order to qualify to get their signature acknowledged.

Verifying a VIN #.
Another unusual official act of a Florida notary is to be able to verify a VIN number on a vehicle. The maximum charge for this is $10 per notary act.

Drafting documents
Other states simple forbid notaries from engaging in legal advice, but don’t spell out exactly what legal advice could consist of. A notary public in Florida is expressly forbidden from drafting any type of document for a client — both legal documents and less formal documents. A legal document is often described of one that might be used in court or submitted to a judge or attorney. Additionally, a Florida notary must not fill in blank spaces in documents as that also constitutes unauthorized practice of law or legal advice in FL.

The Florida Notary Manual page 58 states that a Florida Notary should only sell legal forms and type up documents written by their customers.

Disabilities
A notary in Florida may sign on the behalf of a person with a disability if the disabled person requests. Nobody has ever mentioned any rule like this before on any of our forums.

Notarizing for minors
The state of Florida allows notaries to notarize for minors and should ideally document the minor’s age next to their signature.

Incompetency
A notary may not notarize for an individual who doesn’t seem capable of understanding the meaning of the document being notarized.

Marriages – I do!
Florida notaries may solemnize marriages if the couple provides a marriage certificate. ME, NH, and SC, plus one parish in LA are the only other states we have heard of that allow notaries to conduct marriages, but they need a special extra license in NH to the best of our knowledge. The notary may make up their own verbiage for the marriage, and then complete an official certificate for the marriage.

Also Read: Letter to the Florida Notary Division
http://blog.123notary.com/?p=19896

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October 21, 2010

Massachusetts Notary Odd Information

Filed under: Other States — Tags: , , , , , — admin @ 5:33 am

Massachusetts notary odd rules and conditions.

A Massachusetts notary has restrictions about signing loans since Massachusetts is an attorney state. But, many Massachusetts notaries still sign loans. In Georgia, notaries never sign in-state loans in my experience because the rule about non-attorney notaries not being allowed to sign loans is more strictly enforced.

Massachusetts is the only territory in the United States that is a commonwealth, not a state, but we call it a state in any case.

The secretary of the commonwealth does not regulate the activities of Massachusetts notaries. A Massachusetts notary public is regulated by the governor.

Massachusetts notary fees are pitifully low.
A protest for over $500 – the notary can charge a fee off $1.00, or 50 cents for a protest for a lower value. These fees are suitable for the 1800’s, but a modern day notary can not make a living making pennies for their work.

A 50 cent fee for recording a protest is allowed. A fee of 75 cents is allowed for noting the non-acceptance of a non-payment for a bill of exchange. For each notice of non-acceptance or non-payment of a bill of exchange, order, draft, check, or note, given to the party liable for the payment thereof – a fee of 25 cents.

The whole cost of a protest including all notices and record: $2 for amounts $500 or more, or $1.50 for protests under $500. Costs for noting, including recording and notices shall not exceed $1.25.

Interesting witnessing rule
A Massachusetts notary public may ONLY witness documents while physically present in Massachusetts at the time of the notarization.

The Governor recommends:
Common places to look for a Massachusetts notary include city and town halls, courts, banks, law offices, insurance companies, drug stores / pharmacies, and in the phone book. I wish the governmor would also recommend 123notary.com. I think that the Massachetts notary materials on state websites were written more than ten years ago.

What is the purpose of the executive order?
Up until the effective date of the Executive Order, there had been no guidance for Massachusetts notaries public about what to do and how to do it. The Executive Order provides that information. In addition, there have been no safeguards in place to help prevent fraud, forgeries, and other misconduct by a small but significant number of notaries. The Executive Order provides notice to notaries as to what behavior constitutes misconduct, and then allows the Governor to remove or decline to re-appoint notaries who are engaging in misconduct.

Which Massachusetts Notary is required to keep a journal?Non-attorney Massachusetts notaries are required to keep a journal. But, shouldn’t the attorneys keep one too? Paralegals are exempt from keeping a journal too. Records are records, and everyone should keep records in my humble opinion.
A Massachusetts notary public who is employed by a bank can…
“Conducting a real estate closing involves the practice of law in Massachusetts. Thus, non-attorney notaries public may not conduct real estate closings. A notary public who is employed by a bank may notarize a document in conjunction with the closing of his or her employer’s real estate loans. Also, a non-attorney notary public who works for a bank may notarize bank documents relating to an equity line of credit or a refinance mortgage, absent other violation of the Executive Order.”.. from the Governor’s website.

Term of office
A Massachusetts notary holds their office for seven years.

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March 28, 2010

2019 TWEETS

Filed under: Uncategorized — admin @ 7:44 am

MARCH 2019 TWEETS

Snapdocs — racially disproportionate
Have you noticed that in a country that is 12% black, that Snapdocs is more than 20% or down south more like 80% black? Ooops, I meant to say, “African-American.”

Snapdocs… racially disproportionate

Bostonians visit Los Angeles and describe their visit
If you think mimicking a Boston accent is hard, try typing it and omitting all of the r’s.

Bostonians visit Los Angeles and describe their visit

A testimonial about 123notary from Marcie

A testimonial about us from Marcie

What makes a p#10 preferential listing do well on 123notary?

What makes a p#10 preferential listing do well on 123notary?

Feast or famine in the notary industry
On Notary Cafe, a small minority of the Notaries get 90% of the work. Hmm. Why is it that way?

Feast or famine in the Notary industry

A list of things you probably forgot to put in your notes.
How thoroughly did you document your experience? Did you mention a catchy phrase? How about special skills?

A list of things you probably forgot to put in your notes section

So, the mobile notary well has gone dry.
Did another well or go find a new place.

So the Mobile Notary Well has gone Dry

To do well with a high placed listing, you need 6000 loans signed.
If you lack experience, go get some. You won’t rake in the bucks unless you have knowledge, reviews, and experience and can prove it too.

To do well with a high placed listing, you need 6000 loans signed

Which analytics get you more clicks and why? A change in the 123notary analytics system. We’re giving reviews more weight, but communication skills take the cake.

Which analytics get you more clicks and why? A change in the 123notary analytics system.

A tour of Notary cafe reveals that business is slow based on job stats.

A tour of Notary Cafe reveals that business is slow based on job stats

High placed listings — which ones get more clicks and why?
Which is worse, arguing with Jeremy or interrupting you. The click stats reveal an intriguing answer or interpretation.

High placed listings – which ones get more clicks and why?

Is it a Federal crime to make a photocopy of a military ID card?

Is it a Federal crime to make a photocopy of a military ID card?

Marriage therapy for Notaries
She always nags me about my signature. How does his signature make you feel?

Marriage therapy for Notaries

How do I find a German speaking Notary Public?

How do I find a German speaking Notary Public?

Wells Fargo Power of Attorney Form

Wells Fargo Power of Attorney Form

Dr. Phil moderates dispute: Notaries vs. Signing Companies
The Notaries are tired of low-ball fees. But, the signing companies want better Notaries.

Dr. Phil moderates dispute: Notaries vs. Signing Companies

Blog topics on customer feedback.
When to report someone to the FBI, SOS, or KGB. And also what to do with Notaries who don’t administer Oaths when legally required.

Blog topics based on customer feedback…

Tips for people in Native American reservations to prosper
Farming, solar power, marketing, manufacturing and more. Having lots of cheap land can be used to your advantage.

Tips for people in Native American reservations to prosper

Will and Grace – the mini notary seal
Jack wants to get an outfit, but an outfit for his little dog or his seal? He wants to be a notary so he can meet cute guys.

Will & Grace — the mini notary seal

Why you shouldn’t use an online Notary.
It is less secure and opens up more opportunities for fraud or identity theft. Why expose yourself?

Why You Shouldn’t Use an Online Notary

Snapdocs: When the texts stop

Snapdocs: When the texts stop

Jeremy’s trip to Texas (yee-haw)
Yes, I drove from Los Angeles to Houston and met all kinds of people in Chinatown, experienced other people’s road range and then headed to Dallas for Dim Sum and then had many other adventures.

Jeremy’s trip to Texas (yee-haw)

How do you get something notarized if you don’t have ID?
Some states allow credible witnesses. But in the long run you need ID.

How do you get something notarized if you don’t have ID?

Bikers on boats; Notaries heisting signatures.
Hand over your signatures — this is a heist. But we have no signatures? Then start signing mates!

Bikers on boats; Notaries heisting signatures

Can a Notary sign on a different day?
There is a transaction date, signature date, rescission date, notarization date, (sorry, no lunch dates in this article).

Can a notary sign on a different day?

How long is a notary term of office good for (state by state)

How many years is a notary term of office good for?

Can we turn the industry around?
Carmen and I are trying to make our influence, but you guys need to help out too!

Can we turn the industry around?

A Notary can get a job at a bank more easily.

A Notary can get a job in a bank more easily

FEB 2019

Notary Services Near Me

Notary Services Near Me

Where can I find Notary services near me
http://blog.123notary.com/?tag=notary-services-near-me

Notary Public Journal
If someone forges your seal, and you don’t keep a journal, it is hard to prove that you were not the person who did the alleged notarization. Learn proper journal entry procedures in this article.

Notary Public Journal

Notary Public Seal
Learn all the components of a notary seal including vocabulary words such as “serrated.”

Notary Public Seal

Notary Public Education
Where to get resources for Notary education. BTW, start with your state handbook.

Notary Public Education

Can you become a notary if you have a felony conviction?

Can you become a Notary if you have a felony conviction?

Trusted enrollment agent
What are they and what do they do. If they are Japanese would they be a Green TEA?

TEA — Trusted Enrollment Agent

Apostille – general information

Apostille – General Information

How many years is a notary commission good for?

How many years is a Notary commission good for?

Notarizing multi-page documents.
How do you deter page swapping? Read my secret techniques.

Notarizing Multi-Page Documents

Beneficial Interest
What is the difference between beneficial interest, financial interest and conflict of interest? Three different types of interest rates!

Beneficial Interest

Notary Oath of Office information
Don’t forget to file your Oath & Bond with the county clerk!

Notary Oath of Office Information

Can a notary get into trouble?

Can a Notary get in trouble?

Notaries who fail the California notary exam

Notaries who fail the California Notary exam

Notarizing confidential marriage licenses

Notarizing confidential marriage licenses

How do you notarize a copy of a passport?

How do you notarize a copy of a passport?

Parties involved in a Power of Attorney.
Do you know what a grantor, grantee, agent, attorney in fact, custodian and principle are? Better learn otherwise you will appear ignorant.

Parties involved in a Power of Attorney

Certifying a Power of Attorney

Certifying a Power of Attorney

Proof of Execution.
The Notary act where the signer doesn’t have to show up. Really? Next thing you’re going to tell me is that the signer doesn’t have to sign.

Proof of Execution

Mission Impossible — Notary Version
The deranged high school drop out doesn’t want the family to move, but Tom Cruise, jumps off a tall building with a paraglider, chases people down a narrow street, and reads a bumper sticker that says, “Honk if you hate Scientology.” and then saves the day!

Mission Impossible — Notary Version

Compilation of best blog posts from 2010
These are the absolute best posts of all time. Hope you like them.

Compilation – Best blog posts from 2010

Credible Witness Notary — information & resources

Credible Witness Notary — information & resources

Banks need Notaries to be on staff

Banks need Notaries to be on staff

The me too movement affects Notaries in the workplace at a bank.
A female employee complains about sexual harassment because a male co-worker compliments her on her seal.

The Me Too Movement affects Notaries in the workplace at a bank

JAN 2019

My health regimin left me without my favorite foods
No more pakora, fried chicken or large portions of meat…

My new health regimen left me without my favorite foods

How I succeeded creating an online business.
Creating a product that is easy to use with well refined search results isn’t easy, but made me some big bucks.

How I succeeded creating an online business

Can a notary go to jail for notary fraud?
Notaries do a lot of illegal things out of ignorance and negligence. But, sometimes they steal property using their commissions as well.

Can a Notary go to jail for Notary fraud?

Can a Notary act as a witness?
Notaries can witness Wills, acknowledged signatures, capacity, or be a credible witness. What about witnessing a crime?

Can a Notary Act as a Witness?

Witnessing a will
Some people prefer to hire a notary to witness a will since they are professional at witnessing signatures in general.

Witnessing a Will

Find a 24 hour Notary
Last minute okay. Hospital, jail and office visits okay too.

24 Hour Notary

Notary Hyatt Regency
Do I sign the journal based on when I made the reservation or the date I check in? But, can you get notarized in the hot tub? Find out!

Notary Hyatt Regency

California Acknowledgment
Learn all of the components of the new acknowledgment

California Acknowledgment

What are mobile notary fees?
It should depend on experience, time of day, type of job, distance, and waiting time. But, what do you think?

What are Mobile Notary Fees?

Notarized Letter
A detailed Q&A all about how to draft, notarize, and file a notarized letter.

Notarized Letter

A Notary discusses costs with Jeremy.
The notary wants to spend 30 minutes talking about suing someone for $1.96 instead of making some real money.

A Notary discusses costs with Jeremy

Notary Etiquette 104 – contents
Learn about handling initial calls, confirming the signing, general etiquette, answering questions, and see our best links on the topic as well.

Notary Etiquette 104 – Contents

Notary Etiquette 104 – humorous edition
Avoid polyester jackets from the 70’s, don’t be fashionably late, don’t do Oaths for dogs, and it may be time to retire if your email address says “aol.com” as a suffix!

Notary Etiquette 104 — Humorous Edition

Answering questions the way they were asked.
Do you beat around the bush or get straight to the point. In space, nobody can hear you scream and at signings, nobody wants to hear you ramble.

Notary Etiquette 104 — Answering Questions the Way They Were Asked

What to talk about at the signing.
Small talk is good, but talking about guns might backfire… learn the ins and outs of the art of conversation.

Notary Etiquette 104 — Confirming the Signing & At the Signing

Merit, pay grade & answering emails

Merit, Pay Grade & Answering Emails

Mobile Notary Near Me
Where can I find out. Try our directory and you’ll find thousands of good ones.

Mobile Notary Near Me

Public Notary Near Me

Public Notary Near Me

Find a Notary Public

Find a Notary Public

Where to get something notarized?

Where to get something notarized?

Is 123notary tearing down notaries or building them up?
By having some new and higher standards, we are helping notaries learn, but some just feel insulted. Hmm

Is 123notary tearing notaries down or building them up?

Spousal states list
Want to know which states are spousal states for loan signings? Here’s a list!

Spousal States List

The reason why 123notary scrutinizes its notaries

The reason why 123notary scrutinizes its Notaries

A forged notary seal ends someone up with a prison sentence
A man from Glendale involved in a 5.4 million dollar mortgage fraud scheme got caught. Read the details.

A forged Notary seal ends someone up with a prison sentence

An American Notary dates Chinese Notary using an app.
They used a translate app, but the app didn’t translate all of the subtle nuances of the communication.

An American Notary dates Chinese Notary using an app.

One Notary on NR wants to be treated like a professional.
She doesn’t think she needs to be retested. But, if she knows her stuff, being retested would be no big deal, right?

One Notary on NR wants to be treated like a professional

Fake Notary Seals
How can you know if a Notary seal is fake?

Fake Notary Seals

eNotary — electronic notary & electronic notarizations
How to become one, and what they do and what states can they practice…

eNotary — Electronic Notary & Electronic Notarizations

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March 25, 2010

Popular 3rd tweet for blogs

Filed under: Uncategorized — admin @ 11:45 am

(1) iPhone 7: Smart attorney app sues virtual attorney for claiming he’s actual attorney

New Notary Apps for the iPhone 7 that you’ve never dreamed of!

(2) Types of weapons notaries could bring to a signing: large flashlight, ring of keys, gun, etc.
http://blog.123notary.com/?p=9827

(3) How much money is your life worth to you. Scheduling too tightly could end it!
http://blog.123notary.com/?p=9819

(4) Most notaries would rather that the phone just didn’t ring

$30 loan signings. Is it worth it even in the best of circumstances?

(5) Most parents in NC overwhelmingly support the idea: adolescents should be able 2obtain confidential medical services.
http://blog.123notary.com/?p=10165

(6) Cancellations are a real fact of notary life, but double booking can ruin your rep!
http://blog.123notary.com/?p=9312

(7) 123notary can change your county & state on file in a snap. But, changing your neighboring counties?
http://blog.123notary.com/?p=9339

(8) A family of Italians needs an Apostille on a POA drafted in Italy. Everything goes wrong. Find out more!
http://blog.123notary.com/?p=8740

(9) When you scan your work to double check, do you know what to look for?
http://blog.123notary.com/?p=9291

(10) Your listing is like your front lawn. If you don’t maintain it, people will think nobody’s home.
http://blog.123notary.com/?p=9286

(11) There’s plenty of fast food, but not enough fast notaries!
http://blog.123notary.com/?p=8699

(12) Nobody owns you or manages you unless you let them! When it comes to the worst notary jobs, “just say no”

Poo Picking – getting the best notary jobs

(13) Half of the job is knowing how to handle difficult people! #signingagent
http://blog.123notary.com/?p=9265

(14) Sometimes the worst clients are the very rich, celebrities, public officials, corporate leaders, etc.
http://blog.123notary.com/?p=8628

(15) I just died, my ID is with my body down there.

Witnessing the intake forms for Notary Heaven

(16) Their signing took place at The Notary Hotel & the wife requested a wakeup call after the signing was done.

Welcome to the Notary Hotel

(17) As to setting your fee; set a rate that allows you the time to earn Memorable status –
http://blog.123notary.com/?p=8390

(18) Wondering if a phone # a girl gave you is legit? Get it notarized!
http://blog.123notary.com/?p=8781

(19) He wanted us to remove a notary. I told him we don’t remove notaries based on one-sided stories

Who really needs who?

(20) When I called the borrowers, the wife picked up and thought I was the mistress! I’m the notary!
http://blog.123notary.com/?p=8377

(21) She tried all day to find a notary, then gave up and had an ice cream. The guy behind her was a notary!
http://blog.123notary.com/?p=7023

(22) High class co’s pick the best of the best notaries. If you’re on 123notary.com, you’ve already cleared an important hurdle.

We require notaries to be registered on our approved list

(23) Grow your client network. Do inexpensive work and pass your card out to everyone! #notary
http://blog.123notary.com/?p=6358

(24) I decided then and there to be the notary monster myself.

Honey, I notarized the kids (don’t try this at home)

(25) One guy met a notary in a bar & said, “I’ll buy you a drink if you stamp my God damn form!”
http://blog.123notary.com/?p=7019

(26) Live in the present & gain happiness by being indifferent to appointments being cancelled!
http://blog.123notary.com/?p=4764

(27) Moishe: “The land belongs to Israel.”
Fouzi: “Do you have a notarized Deed to prove it?”
http://blog.123notary.com/?p=7015

(28) A loan processer 30 year vet didn’t know the technical term for the “date of signing”

Does Real Estate experience help as a notary?

(29) Listing your language skills can help get more clicks on 123notary.

10 quick changes to your notes that double your calls!

(30) If you make over ten grand, you should get both NNA certification and our certification.
http://blog.123notary.com/?p=8520

(31) Be an upbeat person who gets the job done and doesn’t create obstacles for others.

He made $35,000 a month his first year in business?

(32) Realtor “I need to use the half bathroom”; Notary: “Are you going to do a #half or a number 1?”
http://blog.123notary.com/?p=6609

(33) Has a signing company ever gotten you to do something for free? Ha ha, you just got played!
http://blog.123notary.com/?p=3997

(34) Banks have liberalized loan terms, so it is easier to get a loan = more biz for notaries!
http://blog.123notary.com/?p=6999

(35) The notaries who attract the most work get multiple certifications, reviews, and have great attitudes.

A great attitude gets the most jobs

(36) If Arnold Schwartzenager became a notary public, he would be known as “The Noterator”.
http://blog.123notary.com/?p=6461

(37) A #Jurat is a notary act requiring the signer 2sign before the notary, swear & be identified.

What is a Jurat?

(38) “We need to get rid of the witness, but I can’t tell the 2 blondes apart”

The Notary, The Mafia & The Fedex Drop Box

(39) “Young man, have you ever thought of becoming a notary public? You just might have the right stuff!”

Tomorrow’s Notary Publics

(40) U must meditate on 1-ness. Unless ur signing is for a husband & wife in which case u need to meditate on 2-ness.
http://blog.123notary.com/?p=4825

(41) The wife abrupty left the signing table & ran thru the house w/the husband chasing her. What a bunch of nuts!

She ran through the house like a mad woman…

(42) “Does the seal on the embossed oreo cookie have an expiration date?” Jeremy asked.

My date with Jeremy

(43) A quick guide to being a notary including: journals, seals, identification, witnesses, jurats, oaths & more…

What is a notary public?

(44) E&O refused to cover the notary since she didn’t make an error or an omission. It was the Lender’s fault!

Help, I’m being sued, and E&O won’t help

(45) When you wait for a client to show up who’s late, ur held hostage w/o waiting fees or travel fees.

The Starbucks notary wises up!

(46) The ghost of the former owner of this Victorian mansion decided to drop in for the notary signing.
http://blog.123notary.com/?p=3464

(47) Notaries who get ahead put hard information in their notes, not bragging or unverifiable claims.

How to write a notes section if you have no experience

(48) Want a type of loan where your rate goes down every year? Try a parachute loan!
http://blog.123notary.com/?p=4135

(49) 3 ways to supersize your notary business that only take a few minutes per day!

What tasks can you do which are worth $1000 per minute?

(50) We found the notary who assisted with the “abduction” paperwork, but she wouldn’t answer my calls!
http://blog.123notary.com/?p=3239

(51) Wife: “The next thing you will ask for is a blood sample.”
Vampire Notary: “Funny you should mention that.”

Vampire Notaries: 24 hour service

(52) It is illegal to use your seal on a blank piece of paper. Yet jails usually require this! (cross it out)

Signing agent best practices: 63 points

(53) I’m the bartender notary; I talk bar talk. It’s my trademark to serve drinks and make smalltalk before signing.”

Bartender Notary: A reverse mortgage on the rocks!

(54) You don’t need to ID him because he looks old, but you look about 18 Mr. Bartender, so we should ID you!

3 Notaries walk into a bar

(55) The notary later learned that the inmate she notarized was in prison for child pornography.
http://blog.123notary.com/?p=3365

(56) Many elderly signers feel they are being taken advantage of, and that they have a weakness.

Notarizing Documents for the Elderly

(57) One Texas Notary went to a signing & was greeted by a man pointing a rifle at her.
http://blog.123notary.com/?p=3329

(58) The (female) notary had this bad feeling that something just wasn’t right.
http://blog.123notary.com/?p=3178

(59) The lady expected the notary to drive around the block for an hour until she showed up!
http://blog.123notary.com/?p=3120

(60) California lost 44% of it’s notaries from 2007 to 2012 according to a Census count.
http://blog.123notary.com/?p=3230

(61) The Lender asked Shelly to notarize someone who wasn’t there & she reported him to the Secretary of State
http://blog.123notary.com/?p=2961

(62) The Notary forgot that the wife had to sign & then used white out to modify the documents!

California notaries with complaints

(63) If you put a FedEx containing a cashier’s check in a drop box, that is a recipe for disaster!

Don’t put the Fedex in the drop box!

(64) How do you document an Oath that has no accompanying documentation? #Notary #Journal

How much should a notary charge for swearing in a…

(65) The police caught the hit & run driver within 48 hours after the Notary chased them down & got a plate#
http://blog.123notary.com/?p=2173

(66) Our scary demand letter threatens to report the late paying signing co to the SOS, Attorney General, DA & more!

Scary results when a notary uses our letter from hell

(67) I used to make my own permission to travel for minors form with blanks for dates, names & thumbprints!

Make your own notary certificate forms!

(68) Mortgage terms are surprisingly similar to chiropractic terms. Do you know what an adjustment date is?
http://blog.123notary.com/?p=1070

(69) 1 day I called 200 people & 1 called me back. When I asked who he was, he told me I should know cuz I called him!
http://blog.123notary.com/?p=973

(70) It is common for signing companies to pay on time, but then start paying late the minute they have financial problems.
http://blog.123notary.com/?p=968

(71) Many notaries fear bad reviews as dangerous, but the real problem is not having any reviews!
http://blog.123notary.com/?p=811

(72) Read real stories about four low-ball signing companies.

Low Ball Signing Companies

(73) The notary profession is easy to get into which means there’ll be lots of low priced competition!

Pricing for notary work: different strokes for different folks

(74) Many notaries just don’t answer their phone or email after a signing which can cause a nightmare.

Things that get notaries complaints

(75) The signer could barely move her arm, so the daughter grabbed it, put a hen in her hand & moved the arm around!

Dragging the person’s arm

(76) You could spend up to $3000 for a really good mobile office. Don’t forget to start w/an inverter!

Mobile Offices from A to Z

(77) Many notaries miss half of their job offers because they refuse to answer the phone during a signing.
http://blog.123notary.com/?p=443

(78) Some notaries save time by notarizing before the signer signs! This is illegal!

Notary Public: Just Say No #3

(79) Learn the finer points of journal entries: where credible witnesses sign, thumbprints & notes.

Everything you need to know about journals

(80) One signer asked, “Are you allergic to cats or snakes?” What kind of signing is this going to be?

Funniest things that happen to Signing Agents

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November 30, -0001

Point (5) HUD (6) Occupancy (7) Deeds; The Value Menu

Filed under: Loan Signing 101 — Tags: — admin @ 12:00 am

I get paid enough to get something on the Value Menu

His name was Chester. He had been a Notary for years and he had seen it all. People liked hiring Chester, because he was on time, knowledgeable, and had quite a sense of humor. Unfortunately, a good sense of humor can be like a double edged sword. Not everyone will like your jokes. Chester was good at introducing the documents, and answering all questions.

CHESTER: Hi, my name is Chester. I’m going to be your Notary Signing Agent today. I am here to supervise the signing of these documents. If you have general questions about the documents, or what information is in which document, I am happy to answer. However, if you have specific questions pertaining to your loan, I will most likely refer those questions to your Lender.

ELLEN: Got it.

(ring-ring)

ELLEN: Hello? You want to speak to the man of the house? You must have the wrong number!

CHESTER: Let’s open the package here. Okay, this is the Deed of Trust. This document includes a property address, the amount of the loan, and ties your property as collateral for the loan. Additionally, it states the expiration date of the loan in 2045.

ELLEN: Right after the war of 2045. How convenient. I heard the war was going to end in June, and my loan expires right in July! Perfect! We’ll have two things to celibrate.

CHESTER: I didn’t know a war was scheduled.

ELLEN: Oh, that’s the new thing. Instead of going at it right away, people are so busy these days that they don’t have time for wars, unless they are scheduled at least twenty years in advance. I even have an app for that. It’s called — schedule my war. It has a D-day add-on too! Pretty cool. Looking forward to it.

CHESTER: And I thought that I was usually the funny one at signings. Now, this document is The Note. It has your payment amounts, if there is a prepayment penalty it will discuss that, and it has your Rate, and the amount of the loan.

ELLEN: My rate? My rate is by the word. Yeah. I charge by the word when I write material. But, my manager says that I should charge by the laugh. I get one rate for my initial time telling the jokes and then residuals. We do that at clubs too. Instead of a $30 cover charge, we have a laughometer strapped to each person. We charge them based on how many times they laughed and how hard they laughed. One guy had to Mortgage his house to pay his bill the last time I was on stage. Oh! Only 4.5% Cool! I won’t have to Mortgage my house to pay that. Did I say that? Oh — I AM Mortgaging my house and as a result will have to pay that. Got it!

Chester’s signing with Ellen went well. She would have appreciated his jokes if she hadn’t kept him laughing with her own jokes. But, Chester’s next signing didn’t work as well. The problem happened when he got to the HUD.

SAM: And who did you say you worked for again? You’re a subcontractor, right?

CHESTER: I subcontract for H&B Lending, over $40 billion served (lended)

SAM: I’m loving it! Don’t I deserve a break today?

CHESTER: Give ME a break, that ad is 40 years old! And this next document is the HUD. The HUD itemizes all of the expenses related to your loan.

SAM: Let me read that. Hmmm. On this line it says that the Notary fee is $250. How much of that do you get?

CHESTER: Oh, enough to get something on the value menu at McDonalds.

SAM: Okay, that’s not funny. Get out of my house! You damn Notary!

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Point (5) The HUD Settlement Statement
This document is often faxed or emailed at the last minute as Lenders often do not have their act together and need to make last minute changes to documents. Without the HUD, the loan cannot close.

The Settlement Statement or HUD contains information about fees and payoffs. Here, you can check to see what the Notary fee is and compare that to what you are being paid. Do not discuss these numbers with the borrower because it is between them and the Lender, and they are both relying on you for confidentiality. If the borrower already paid an appraisal fee out of their pocket and they are being charged again, for example, have them talk it over with the Lender. Don’t try to answer whether or not they will be reimbursed for certain fees; just have them speak to the Lender. If the Lender is not available, let them know that they have several days to talk to the Lender while they have the right to rescission (the right to cancel). The above situation with appraisal fees happens frequently.

There are several other documents that are similar to the HUD such: as the “Estimated Closing Statement” and the “Good Faith Estimate”. These documents were often drafted earlier in the loan process and don’t always reflect final numbers.

Seasoned Notaries often know what piece of information is on each line of the HUD and have the structure of the document memorized.

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Point (6) The Occupancy Affidavit

There are different variations to this document; sometimes it is called ‘Occupancy Affidavit and Financial Status’. The purpose of this document is for the borrower to state that they live in the subject property (which means the house they are borrowing money on). In addition, it asks the borrower to state that they haven’t had any sudden financial changes — for example, unemployment or bankruptcy. Keep your eyes open; if you don’t check which variation of the Occupancy Affidavit you are dealing with, you might make a fool of yourself (a fool and his money are soon parted.) This document is usually notarized.

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Point (7) Grant & Quitclaim Deeds

There are four major reasons to have a Grant Deed.

(1) To transfer property in a sale of property

(2) To take someone’s name off of a deed so they won’t be liable for a loan when the other owners want to borrow money.

(3) To transfer the property to or from community property in a trust.

(4) To change someone’s name on the deed
The deed could transfer a property from “Jane F. Doe” to “Jane Doe”. This is very common for people with name variations because sometimes a loan can’t fund without the property being recorded as being owned by the owner with a particular name variation.

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Quitclaim Deeds

Quitclaim Deeds are often used to take a person’s name off title. Here is some more information:

A Quitclaim Deed is a legal document which transfers a property to the buyer or owner, whatever interests in the property are held by the maker of the deed. A Quitclaim Deed does not guarantee that those interests are valid. By accepting such a deed, you accept the risk that someone may later appear with a valid claim to your property. A Grant Deed on the other hand guarantees from grantor to grantee that the title is clear. An example of a circumstance where a Quitclaim may be used is where one spouse is disclaiming any interest in property that the other spouse owns. Of the different types of deeds, the Quitclaim has the least assurance that the grantee receiving it will actually get any rights. A Quitclaim deed does not release the party quitting claim to real property from their obligations in any mortgage or other lien secured against the pertaining property.

A Quitclaim Deed is a common, but not standard document in a loan document package. Sometimes, ownership has to be transferred or someone needs to be taken off a Deed before a loan can officially go through. Quitclaim Deeds are always notarized using an Acknowledged signature and the signer must always be positively identified by the notary public for security purposes. Some states also require the notary to take fingerprints in their notary journal for Quitclaim and other deeds affecting real property.

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