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September 7, 2018

Introducing the 2019 Notaries!

Filed under: Andy Cowan — admin @ 7:30 am

Introducing the 2019 Notaries!

Trade in your old worn out notaries, everybody. They’re so last year. The new models are arriving with more exciting options than ever!

Forget driving customers crazy by misinterpreting notary law or explaining options to them versus choosing. The new 2019s are… SELF-driving customers crazy!

The new models don’t give the signer the choice between an oath and an affirmation. They always choose affirmation, to automatically not offend the politically correct.

The new models can notarize in reverse, which is handy if you have a reverse mortgage.

The old models were slow in accelerating but very good at braking. The new models go from zero to sixty signings in 2.3 seconds.
With the 2019s, you can enjoy the luxury of leaving drinks on a table during a signing without leaving those telltale rings that could annoy your client. The new models include cupholders for those drinks!

The old models needed witnesses to observe the execution of a document. All the new models need is Siri.

The 2019s have more horsepower of attorney.

The 2019 notaries automatically brake when the signer slows down.

The 2019s no longer just affix seals to documents. They beam them there.

And fake signature alerts are standard on all ‘19s.

If you want your documents automatically signed, sealed and delivered… you’ll have to wait for the ‘20s!

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September 1, 2018

How much does a Notary cost in 2018 & 2019?

Filed under: Public Interest — Tags: — admin @ 11:04 am

How much do Notaries charge?
How much can a Notary charge?
How much is a Notary?

Notary fees are regulated by the laws of the various fifty states. So, each state has a different rate that a Notary can charge and a different procedure for a Notary to get a Notary commission. In addition to charging officially designated maximum Notary fees, many Notaries on our directory travel to their clients and charge travel fees in addition to waiting fees if you keep them waiting too long. It is common for Notaries to have a fixed price for loan signing packages that range from $75 to $150 per signing which is a price that might include printing eDocuments. But, let’s try to give you a better idea of what particular states offer as Notary fees.

Please keep in mind that there are also fees for Oaths & Affirmations which are done in all states that I am aware of. There are also more obscure Notary acts done in particular states that are not done in all states.

How much can an Alabama Notary charge?
$5 for an Acknowledgment or Jurat.

How much can an Alaska Notary charge?
There is no set fee but I heard that in remote areas Notaries get paid in moose or salmon (generally fresh).

How much can an Arizona Notary charge?
An AZ Notary may charge $10 per Acknowledgment (for the first signer) and $10 per Jurat.
Fees changed as of March 2018 up from $2 per signature.

How much can a California Notary charge?
A California Notary Public may charge $15 per Acknolwedged signature or per Jurat. There are other types of fees, but those are the most common.

How much can a Florida Notary charge?
A Florida Notary Public may charge $10 per Acknowledgment, however the price is fixed no matter how many signatures are on the notarized document. Jurats would also be $10.

How much can an Illinois Notary charge?
An Illinois Notary may charge a whopping $1 per Acknowledged signature or for a Jurat.

How much can an Indiana Notary charge?
$2 per Acknowledgment or Jurat

How much can a Maryland Notary charge?
A Maryland Notary may charge $4 per Acknowledgment or Jurat

How much can a Michigan Notary charge?
A Michigan Notary may charge up to $10 per Jurat or Acknowledged signature.

How much can a Minnesota Notary charge?
Generally $2 per Acknowledgment or Jurat

How much can a New Jersey Notary charge?
A New Jersey Notary can charge $2.50 per Acknowledgment, Jurat, or Oath

How much can a New York Notary charge?
A New York Notary may only charge $2 per Acknowledged signature or Jurat or for each sworn witness.

How much can a North Carolina Notary charge?
A North Carolina Notary may charge $5 per principal signature on an Acknowledgment or Jurat.

How much can a Pennsylvania Notary Public charge?
A Pennsylvania Notary may charge $5 for the first Acknowledged signature and $2 for each subsequent signature. Jurats are $5 per piece.

How much can a Texas Notary charge?
A Texas Notary Public may charge $6 for the first Acknowledged signature and $1 for each additional plus $6 for administering an Oath.

How much can a Virginia Notary Public charge?
A Virginia Notary may charge $5 for each Acknowledged signature or Jurat.

HELP, my state was not on the list…
No problem, just click on the FIND A NOTARY link and look up your state. We have pricing for all states documented in our website.

NOTE: Prices are subject to change. If our pricing has become outdated for any particular state, do not comment on this blog, rather, email us at info@123notary.com and politely inform us of the price change.

For states not mentioned or updates in the future, please refer to
https://www.nationalnotary.org/file%20library/nna/knowledge%20center/outside%20pdfs/state-notary-fees-chart.pdf

You might also like:

See our information about Acknowledgments (string)
http://blog.123notary.com/?s=acknowledgment

Index of posts about general Notary information
http://blog.123notary.com/?p=20264

Basic Notary acts
http://blog.123notary.com/?p=19500

What does a Notary cost in 2016?
http://blog.123notary.com/?p=18778

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January 13, 2019

Mobile Notary Near Me

Do you ask yourself, “Where can I find a Mobile Notary near me?” The answer to your question is closer than you think. Although, the mobile notary is the one doing the driving, so let them worry about how close they are to you. 123notary is a mobile notary directory. You can find a Notary who will come to your home, hospital, jail cell, airport, or office whenever you want. We have Notaries who speak Spanish, Chinese, Vietnamese, Japanese and a host of other languages as well. Just visit our Advanced Search page or Find a Notary page!

Or, if you prefer to go to a notary office, you can use google local, or yelp and find plenty of Notaries near you.

It helps to talk to UPS stores and general mail box stores. They often have a Notary. Insurance and law offices normally do as well. Realtors are often Notaries too. I personally recommend Google and 123notary.com as search tools to find a great Notary Public.

If you want to learn more about the Notary business, you can visit our links below:

.

Notary Public General Information
http://blog.123notary.com/?p=20075

Notary Comedy Articles
http://blog.123notary.com/?cat=3241

Jail Notary Information
http://blog.123notary.com/?p=21349

How much does a Notary cost in 2019?
http://blog.123notary.com/?p=21308

Notary Public 101
http://blog.123notary.com/?p=19493

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January 12, 2019

Public Notary Near Me

Do you ask yourself, “Where can I find a Public Notary near me?” The answer to your issue is closer than you think. 123notary is a mobile notary directory. You can find a highly experienced Notary who will come to your home, hospital, jail cell, airport, or office whenever you want. We have Notaries who speak Spanish, Chinese, Vietnamese, Japanese and a host of other languages as well.

Or, if you prefer to go to a notary office, you can use google local, or yelp and find plenty of Notaries near you.

It helps to talk to UPS stores and general mail box stores. They often have a Notary. Insurance and law offices normally do as well. Realtors are often Notaries too. I personally recommend Google and 123notary.com as search tools to find a great Notary Public.

If you want to learn more about the Notary business, you can visit our links below:

Notary Public General Information
http://blog.123notary.com/?p=20075

Notary Comedy Articles
http://blog.123notary.com/?cat=3241

Jail Notary Information
http://blog.123notary.com/?p=21349

How much does a Notary cost in 2019?
http://blog.123notary.com/?p=21308

Notary Public 101
http://blog.123notary.com/?p=19493

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January 11, 2019

Find a Notary Public

Do you need to find a Notary? Look no further. 123notary caters to those looking for a Mobile Notary Public in any state. We provide some of the highest skilled and experienced Notaries anywhere. We routinely filter our results, scrutinize our Notaries and end up with far above average Notaries. If you want a walk-in appointment at a Notary office instead of a mobile notary, just use google or yelp to find one!

Please visit our Find a Notary page at
http://www.123notary.com/find-a-notary-public.asp

We also have an Advanced search page
http://www.123notary.com/notary-search.asp

Please visit resource materials listed below!

Notary Public General Information
http://blog.123notary.com/?p=20075

Notary Comedy Articles
http://blog.123notary.com/?cat=3241

Jail Notary Information
http://blog.123notary.com/?p=21349

How much does a Notary cost in 2019?
http://blog.123notary.com/?p=21308

Notary Public 101
http://blog.123notary.com/?p=19493

Find a Notary at the last minute on 123notary
http://blog.123notary.com/?p=4688

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January 10, 2019

Where to get something notarized?

Do you ask yourself, “Where can I get something notarized?” The answer to your quandry is before your very eyes. 123notary is a mobile notary directory. You can find a Notary who will come to your home, hospital, jail cell, airport, or office whenever you want. We have Notaries who speak Spanish, Chinese, Vietnamese, Japanese and a host of other languages as well.

Or, if you prefer to go to a notary office, you can use google local, or yelp and find plenty of Notaries near you.

It helps to talk to UPS stores and general mail box stores. They often have a Notary. Insurance and law offices normally do as well. Realtors are often Notaries too. I personally recommend Google and 123notary.com as search tools to find a great Notary Public.

If you want to learn more about the Notary business, you can visit our links below:

Notary Public General Information
http://blog.123notary.com/?p=20075

Notary Comedy Articles
http://blog.123notary.com/?cat=3241

Jail Notary Information
http://blog.123notary.com/?p=21349

How much does a Notary cost in 2019?
http://blog.123notary.com/?p=21308

Notary Public 101
http://blog.123notary.com/?p=19493

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>

January 6, 2019

Notary Near Me

Do you ask yourself, “Where can I find a Notary near me?” The answer to your dilemma is closer than you think. 123notary is a mobile notary directory. You can find a Notary who will come to your home, hospital, jail cell, airport, or office whenever you want. Or, if you prefer to go to a notary office, you can use google local, or yelp and find plenty of Notaries near you.

It helps to talk to UPS stores and general mail box stores. They often have a Notary. Insurance and law offices normally do as well. Realtors are often Notaries too. I personally recommend Google and 123notary.com as search tools to find a great Notary Public.

If you want to learn more about the Notary profession, you can visit our links below:

Notary Public 101
http://blog.123notary.com/?p=19493

Notary Public General Information
http://blog.123notary.com/?p=20075

Notary Comedy Articles
http://blog.123notary.com/?cat=3241

Jail Notary Information
http://blog.123notary.com/?p=21349

How much does a Notary cost in 2019?
http://blog.123notary.com/?p=21308

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>

December 6, 2018

Jurat – Definition

A Jurat is a Notary act where the signer or affiant must sign and swear (or affirm), both in the presence of the Notary Public. The signer gets to choose whether they wish to swear under God under Oath or affirm on their honor — both acts are done under the penalty of perjury.

Jurats are the second most common Notary act next to Acknowledgments.

There is no prescribed Oath verbiage, however, the word swear should be used, and there should be a reference to the truthfulness of the document. The Notary could have the affiant raise their right hand and ask, “Do you solemnly swear under God and under the penalty of perjury that this document is true and correct to the best of your knowledge?”

A Jurat also requires a Jurat certificate. And the certificate must confirm to state specific rules and have state specific verbiage. Verbiage differs from state to state, but the language, “Subscribed and sworn to before me by (name) on (date)” is common.

Related Links

Jurat wording step by step
http://blog.123notary.com/?p=7875

What is a Jurat?
http://blog.123notary.com/?p=6937

Notary verbiage for Jurats
http://blog.123notary.com/?p=2088

Notary Public Information
http://blog.123notary.com/?p=20075

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Keywords
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How do I fill out a jurat form
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Can one jurat cover multiple documents?
Can a jurat be attached to a grant deed?
Do you need a thumbprint on a jurat?
Does signer need to sign a jurat?
Fixing error on a notary jurat
Example of jurat

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August 14, 2018

Title Companies: 123notary Certification – what you need to know about it.

Filed under: Uncategorized — Tags: — admin @ 10:54 am

What does 123notary Certification mean in 2018 and 2019? A letter to title companies.

123notary teaches, screens, and certifies Notaries on:
Notary Basics
Loan Documents
Unusual Scenarios (that can lead to damages)
Clear Communication
Following Directions

We go to this trouble to make your title company’s screening and hiring procedure for new additions to your roster more streamlined, and lessens the chance of serious legal complications in the long run due to improper notary work.

We know that many of you would like to hire better quality Notaries. Are our current certified members up to your standards for being a “good Notary,” and how much extra do you feel they merit per signing? Would it be too much trouble to call a handful, talk to them for a few minutes and size them up and see for yourself how much better you feel they are compared to an average signing agent?

Our 2002 through 2017 tested mainly on loan documents and a little bit on Notary procedure, but involved mostly online testing which was taken advantage of by Notaries who found ways to game the system. As of 2018, we cleaned up our certification, removing those who cannot demonstrate a certain level of still on oral & email quizzes to ensure reliability to your hiring parties. We reduced the quantity of certified members from about 1600 to about 160 and will continue to screen certified members every year or two for quality control purposes.

Our 14 point certification process generates Notaries who are generally polite, responsive, cooperative, and technically competent. I can go over our process in as much detail as you like, but first I would like to let you know that most notaries will not aggressively pursue education on their own. They will only study hard if those who hire them recommend, require, or offer preferential treatment to those that do.

If you have Notaries who you would like to send over who you use regularly who would benefit from a tune up — or those who are not good enough to put on your list due to a lack of basic knowledge, we are happy to tutor, train, or enroll them in one of our courses. This collaboration of our forces will benefit both of us and does not cost title companies a penny. Our work on 123notary is for the greater benefit of title companies. However, we charge the Notaries for advertising and education and never charge title companies for anything.

If you would like to see our sales literature, just visit our loan signing courses page on 123notary.com. If you like the reliability of our screening we would like it if you can endorse our certification. Additionally, a few dozen of our notaries have our elite certiifcation which is a much more refined version of our certification.

We would like referrals and endorsements from agencies and individuals who work at agencies that hire Notaries in exchange for us helping you to refine the quality of your signing agents.

THE CERTIFICATION PROCESS

a. 123notary certification starts with reading our educational materials. We have loan signing courses that we sell. We also have free Notary basics materials in our blog at Notary Public 101 which we are in the process of adding to our sold materials for the convenience of the buyer. However, that material on the blog is open to the public, so our students can see it at any time.

b. We also offer Q&A by email and even tutoring to those who want it. Sometimes the technical aspects of Notary procedure can be complicated and a one on one session can be the best way to learn.

c. Testing is done online, but also as a follow up by phone. Testing by phone is more reliable as a measuring stick as we can ask open ended questions, multiple choice, fill in the blank, etc. Additionally, we know that we have the correct entity taking the test and can adjust our questions to exactly what we want to ask. We can also more easily monitor how many times and when the person took the phone test than with online tests many people abuse the privilege and treat it more like a video game that they keep playing until they win.

KNOWLEDGE REQUIRED
The knowledge required to pass our test as of 2018 includes:

1. Notary Acts. We require Notaries to know when particular notary acts are used, how to explain these acts, and what the requirements of each basic act are including Acknowledgments, Jurats, Oaths, Affirmations and Proof of Execution. We do not teach other acts as they are uncommon and not necessary. We also require Notaries to know how to administer Oaths as they are required by law when executing a Jurat which is done on Affidavits as a matter of custom.

2. Notary Terminology. We require Notaries to know basic Notary terminology such as Venue, Affiant, Certificate, terms relating to Power of Attorney, etc.

3. Certificates. We go over how to fill in the additional and optional information in certificates which deters the fraudulent as well as accidental swapping of certificates to other documents.

4. Journals. We teach prudent journal entry procedure using the one entry per signer per document principle.

5. Power of Attorney. We teach Notaries to follow instructions to a tee on AIF signings and to call in if instructions are omitted or not clear as to how an Attorney in Fact should sign in their capacity.

6. Identification. We teach Notaries how to make sure the ID proves the name on the document. This may or may not be a legal requirement in their state, but it is a prudency requirement that helps reduce the chance of ending up in court.

7. FAQ’s. We teach the basics of FAQ’s at loan signings such as:
(a) When is my first payment due?
(b) Where can I read about my prepayment penalty (if there is one)?
(c) Why is my APR higher than my rate?
(d) Where does it say where my payoffs and fees are located?

8. We teach the basic loan documents. Our emphasis used to be mainly on documents while our current emphasis is on issues that can cause financial damages to companies involved in transactions which are normally Notary issues or issues pertaining to negligence in business matters.

9. RTC. We teach how to date the Right to Cancel in a Refinance for an owner-occupied property.

10. Errors on Certificates. We teach the various ways to deal with errors on certificates, but this gets into state specific areas and also in to areas pertaining to the preference of the Lender or Title company involved.

11. After-Service. After a Notary signs a loan, they still might be needed for several days to clean up errors or answer questions. Notaries are not normally aware of how long they need to be around, so we tell them what types of situations can arise after the fact and how being unresponsive by phone and email will not make them popular with Title companies.

12. Elder Signings. Issues involving the competency and state of mind of signers is critical with elder signings. Elder signings normally take place in the hospital, but it is possible that for loan signings, especially Reverse Mortgages, that elders could be there. If an elder is on morphine, they are not in a position to sign. And if they cannot paraphrase a document, it might be dangerous to notarize them for legal liability reasons.

13. Foreign language signers and foreign language documents. We address these points a bit. A Notary must have direct communication with the signer in all states but AZ where oral translators are, or were allowed. However, for safety, you should not rely on a translator, because if they make a mistake, you could end up in court and you would be ultimately responsible as the Notary Public involved in the particular transaction.

14. Omitted Information. Sometimes a Notary will go to a signing. The instructions might say, “This page must be notarized.” However, there might not be a notary certificate. In some cases there might not be a signature line. We teach how to handle these situations gracefully.

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DANGERS OF HIRING A SHODDY NOTARY

1. Oaths. If you hire a notary who does not administer Oaths, your loan could be questioned, or perhaps even overturned in court by a Judge once the judge finds out that an “incomplete notarization” has taken place. Omitting an Oath makes a Jurat notarization on a Signature Affidavit, Occupancy Affidavit, Identity Affidavit or other Affidavit incomplete and therefore a Judge could declare the document not notarized, and perhaps declare a loan as invalid as a consequence. This would cause serious legal and financial damages to many parties involved. 90% of Notaries we talk to do NOT know how to administer an Oath correctly and most do not administer Oaths at all… ever, because they think it is not “required” in their state. It is required nationally.

2. Dropping Packages on time. If you hire a Notary who holds on to packages when they don’t know what to do in a particular situation, or because they just are not in the habit of dropping documents quickly, you might not get your important documents back on time. This is dangerous and can cause delays in funding, missing the lock in an interest rate, or your loan getting cancelled. Often times several days later, the documents will be found in the trunk of the Notary’s car. Each incident of forgetting to drop a package can cost you hundreds or thousands.

3. Identification. If you hire a sloppy Notary who does not make sure the name on the ID proves the name on the document, it is possible for your loan to end up in court costing all parties thousands. The lack of thumbprints in a Notary journal also makes it hard to identify someone who used a fake ID.

4. Journals. If you hire a Notary who does not keep a journal, you might not experience trouble for years. The minute your notarizations are called into question by an Attorney, the lack of evidence (namely the notary journal) would come back to haunt you and cause a nightmare. Without evidence, you have no way to prove who notarized what, or if a fraudulent notary impostering a real notary did the work. You have no idea who did what or when or what type of identification was used, or even if the signers consented to being notarized.

Additionally, if your sloppy Notary uses the “cram it in” style of journal entries where one line in their journal accommodates all documents in a loan signing (legal in some states but not prudent) your borrower could claim that they never had all of the documents notarized, but only one, and therefore the loan is void and the transaction must be cancelled, etc. This happens once in a blue moon when a borrower wants to get out of a transaction, and legally it is hard to prove if they consented to be notarized on five documents in a transaction when there is only one signature in the journal for five documents. You could claim that the Notary was in cahoots with the lender and added four additional documents after the fact.

5. Confirming. Improper confirming of signing can lead to a lot of wasted time. If the name on the ID does not prove the name on the document, there is no point in going to the appointment. There are many other critical points to go over when confirming the signing. The majority of Notaries either do not confirm signings, or don’t do so thoroughly enough which can cause a lot of loss of time and perhaps delays in the loan process.

6. Following directions. Many Notaries do not follow directions well. This can cause a huge loss to companies that hire them assuming your directions are critical to the success of the the signing. We screen for following directions when certifying signing agents. None of them are perfect, but we weed out a lot by asking a few following directions questions.

7. Notarizing for non-English Speakers. If you notarize for non-English speakers, this can lead to liability if you cannot communicate effectively with them. Any misunderstanding could come back to you.

8. Dating the RTC. You would be surprised how many Notaries cannot date a Right to Cancel. That can cause financial damages to any company that hires them.

9. Elder Signings can be a source of liability. The elders don’t always understand what they are signing. A competent Notary makes sure the signer understands the document, especially if elderly or in the hospital.

10. Being responsive after the fact. Many Notaries disappear or play hookey after a signing. Notaries are needed to answer questions before, during and after the signing. If they are not, this could cause grief to the hiring party.

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Do you have to be a CSS to get work these days?
http://blog.123notary.com/?p=8914

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

If you were hiring a notary, what would you look for?
http://blog.123notary.com/?p=16750

If Donald Trump hired you as a Notary, would you get fired?
http://blog.123notary.com/?p=19120

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January 26, 2018

The new acknowledgment form for transgender people

Filed under: Humorous Posts,Popular on Facebook (very) — admin @ 11:28 am

With all of this politically correct nonsense going on, there will soon be an official change to Notary paperwork so that the LGBT community’s needs will be represented. The current form (I made this up) says:

On (date), before me (name of notary) personally appeared (name of signer) who proved to me on the basis of satisfactory evidence to be the person who’s name is subscribed in the within instrument, and acknowledged to me that he/she/they executed the same in their his/her/their authorized capacity(ies), and by his/her/their seal on the instrument, the person(s) acted and executed the instrument.

But, as of January 1st, 2019, the new form will read.

On (date), before me (name of Notary) personally appeared (name of signer) who proved to me on the basis of satisfactory evidence to be the person who’s name is subscribed in the within instrument and acknowledged to me that

(he/she/he who used to be a she/she who used to be a he/he who dresses like a she/she who dresses like a he/T/they)
executed the same in his/her/it’s complicated/their authorized capacity(ies), and by his/her/unclear/it’s/their seal on the instrument, the person(s) acted and executed the instrument.

Additional information
The signer’s “assigned” gender is male/female
The signer’s “current” gender is male/female/ambiguous/depends on how long the line is to the bathroom
The gender indicated on the identifcation is male/female
The sex change or change in dress happed before/after when the ID was issued.

On a brighter note, I had lamb with shishito peppers. I asked the waitress if shishitos had genders. The male could be a he-shito, and the female a she-shito. She said it didn’t work like that. I told her that was for the best, because what if we got a transgender-shito? That would be confusing.

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You might also like:

Who does what in an Acknowledgment?
http://blog.123notary.com/?p=20108

We are a notary directory and therefore should not discuss certain topics.
http://blog.123notary.com/?p=20073

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