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March 24, 2019

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

Filed under: Your Notes Section — Tags: , — admin @ 4:34 am

Most Notaries write a notes section for their listing on 123notary. However, many do not know what to write. Here are some things you should write about. Take this as a check list.

Experience
Write about the types of loans or documents you know how to sign. Write about the type of work you did before you were a Notary or what distinguishes your experience as a notary. How many loans as well as how many years would also help the reader get an idea of what type of experience you have. Read more by clicking the link below…
http://blog.123notary.com/?p=19052

Additional Information
Your certifications, courses taken, E&O, background screening, etc., Don’t forget to write about this because people do care.

Equipment
If you have special equipment, portable printers, scanners, fax machines, inverters, etc., people want to read about this. But, don’t put it up top as this is supplemental information. Experience and selling features go up top.

Special Skills
Are you bilingual? Do you visit hospitals or jails? How about a wide radius? Are you on the white glove list somewhere? Do you take credit cares or square? Put this up top as it is a selling feature.

Areas Covered
Your radius, counties or cities covered go at the bottom and there are 12 boxes to put your counties covered which includes your home county. We discourage putting zip codes as the list gets very long and messy and nobody wants to read it.

About You
This is the most misunderstood aspect of notes writing. Most people cannot write about themselves other than a long string of adjectives. Any idiot can write about how responsible and reliable they are and the more they claim these adjectives the less true I find them to be. However, describing yourself with specific facts is more helpful as well as credible. The fact you have an MBA, worked with the elderly at a nursing home for ten years or are ex-military are real facts about you. The fact you triple check your work and have your local FedEx stations memorized is fact vs. fluff.

Catchy Phrases
It is hard for most people to write a catchy phrase, but it can really pay off. People are bored with reading 1000 notes sections that all seem very similar. It sometimes looks like the same person wrote all of the notes sections on Notary Rotary… “I am reliable, background screened and have 50,000 E&O. I have signed many loans and do a lot of refinances.” After you see this a few thousand times you start seeing double. Put something unique and organized for a change. We wrote a few articles (that I linked below) on catchy phrases in notes sections and you should read those.
http://blog.123notary.com/?p=14690

Buzzwords to avoid
http://blog.123notary.com/?p=19054

You might also like:
Examples of great notes sections
http://blog.123notary.com/?p=18862

How to write a notes section
http://blog.123notary.com/?p=16698

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January 17, 2019

Notary Etiquette 104 — General Tips

Filed under: Etiquette — Tags: — admin @ 3:19 pm

GENERAL TIPS
Return to Table of Contents for – Notary Etiquette 104
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1. Dress for success.
Business casual is great. People get complaints more for dressing poorly than for being a horrible Notary. So, go to Men’s Wearhouse first, and then buy that Notary course you were thinking of. And remember — it’s not what you know — it’s how you look! Notaries who show up in shorts and flip-flops get some serious complaints and even a bad review on their profile. In short, don’t dress like me.

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2. Forms you should carry
Carry loose Acknowledgment, Jurat and other certificates in your Notary Carry All Bag that you purchased from the NNA. Carry a thumb printer, wipes, and pens with you. Nothing is worse than a Notary that doesn’t have pens except one who wears flip-flops. Having good professional equipment makes you look like you know what you are doing even more than actually knowing what you are doing.

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3. Arrive on time
Nothing is worse than a late notary other than one who wears flip-flops.

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4. Follow up punctually
If you have to get the FedEx back, do so immediately. Do not wait to drop a package unless you are waiting for a callback. If you wait 90 minutes or more for a callback, consider that title needs their docs back and it might make sense to just drop it. That is a judgment call, so think carefully about it. If you get emails, answer them asap.

You have to be available after signings for up to the rescission date and sometimes later. If you become unreachable after the signing, you will get very serious complaints. The worst complaints we get about notaries are that they were rude, or unresponsive after they had completed work.

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5. Don’t be rude
If someone is rude to you, don’t reciprocate. Your reputation is on the line. You can get penalized for being rude even if the other person deserves it. So, watch yourself!

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6. Animals
If you are uncomfortable with animals in the room with the signing, you can politely ask if the animal can be put behind a firmly closed door. Dog owners assume that since they enjoy Fido jumping over them that it’s okay that Fido jumps all over you — after all, it’s okay because Fido’s a nice doggy.

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7. Where to sit
You are the facilitator of the signing, and you call the shots where people sit at the signing. It is often easier if you sit at the head of the table with husband and wife sitting next to each other. That way when person #1 signs and turns over the document, the second person can turn it over and sign it assembly line fashion.

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8. Tips for Jurats
In a Jurat, the signer has a choice of doing an Oath or Affirmation. Many Notaries today are very politically correct to the point where they assume that the borrower will be offended by an Oath and by default only do an Affirmation. This is offensive to those who want an Oath and also not legal. It is up to the borrower to choose which type of Notary act to choose, so just say,

“To execute a Jurat, we will need a statement made under the penalty of perjury as to the truthfulness of the document… would you prefer to swear under Oath under God or affirm on your honor?”

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9. Leaving a business card
At the end of the signing it is not bad manners to give them a business card. You never know when they will need another notarization.

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10. Do you answer the phone during a signing?
It is generally a bad idea to have phone calls during the signing. Some signing companies forbid this altogether. However, you might not be able to get your next job unless you answer your phone. So, if the phone rings, give the caller a minute before you cut them off. It is rude to answer the phone only to tell someone you can’t talk, and it is rude to the borrowers to have a long conversation with someone unrelated to the loan. This is a judgment call. However, it is sometimes hard to get a chance to talk to a Notary due to the fact they are always busy, because they are either at a signing, between signings, eating, or at church — with notaries this busy there is no good time to talk to them… ever!

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Please Also Read:

Best marketing resources for Notaries. This entry goes over active vs. passive marketing in detail
http://blog.123notary.com/?p=16322

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

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December 20, 2018

Beginner Notaries 103 — Notary Etiquette

Filed under: Etiquette — admin @ 1:24 pm

Notary Etiquette
Return to Table of Contents for – Beginner Notaries 103

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New Notaries and experienced Notaries alike have a very poor sense of Notary etiquette. It is common for people to complain about small things and not communicate well. We are going to publish a course on Notary etiquette. But, here are some of the main points you should understand.

1. Answering questions the way they were asked
Most Notaries cannot give straight answers to questions. This is a sign of poor self-discipline and a scrambled mental state. If someone asks how many loans you have signed, most Notaries tell you how many years and tell their life story. This is annoying and is bad manners. Just give the person a number. If someone asks what counties you serve, don’t tell them your whole pricing strategy for each county, just tell them your counties. If they want pricing information they can ask.

2. Answer the phone stating your name.
Too many people answer the phone saying, “hullo?” It is unprofessional. Others say, “Why are you calling me on a Sunday?” Don’t do that. Be professional. Others answer the phone while answering a question to the person standing next to them. This behavior can be alienating to the caller as you don’t know who the recipient is talking to.

3. Don’t have family members answer your phone.
It is annoying and confusing when someone else answers your phone for you. If they don’t state their name, the caller won’t even know they are not talking to you and might start a long conversation with the long person.

4. Don’t have noise when you answer the phone
No Mortgage professional wants to have their conversation with you interrupted because of your screaming kids. If you are in a restaurant, apologize about the noise and explain to them where you are. Hopefully they will understand.

5. Don’t fail to answer calls in a signing
If you don’t answer calls in a signing, nobody will be able to reach you. Unless you signed a contract saying you won’t answer calls, answer your phone otherwise how will you get your next job?

6. Don’t answer the phone and then refuse to talk
If you answer the phone, give the person calling a minute or two to state why they are calling and let them ask a quick question or two. If you answer the phone and interrupt the caller only to tell them that you can’t talk — you should not have answered in the first place. It is rude and annoying to do such a thing.

7. Get documents back to the company fast.
Know your local FedEx stations and UPS stops. Get packages back as soon as you can. Nobody wants to find out that their package is in your trunk four days after the fact. They also don’t want to hear that you missed FedEx pickup because you waited until the last minute, got a last minute job, and then forgot to drop the package as a result. Drop it like it’s hot.

8. Accept criticism
Most Notaries think they are so knowledgeable and can do no wrong. But, get very hostile when anyone criticizes them. In real life agencies that list you or hiring parties might criticize you. Take it as constructive criticism and learn from it. Don’t argue and don’t be hostile.

9. Don’t brag
Nothing is worse than a Notary who has to prove to you have great they are and rambles on about how much experience they have. I ask people simple questions such as, “How many loans have you signed?” Instead of getting an answer, I get a long rambling session about how their husband works in Escrow and I learned so much from him over the years and I even attended a signing with him. You can offer to explain your level of experience to someone, but don’t just start bragging and talking nonstop. It is rude, unprofessional and makes you come across as undisciplined and inconsiderate. Be polite and answer the questions that were asked to you.

10. Dress appropriately
Business attire is what you should wear to a signing. Believe it or not, even experienced Notaries show up in flip flops, night club attire, mini skirts, or bring their screaming kids to a signing. You will get fired if you don’t dress the part, so dress like a business person and act like one too.

11. Confirm the signing
Let people know who you are, when you are going to arrive. Call if you are going to be late, etc. You can go over directions as well and it is not a bad idea to know how their name reads on the ID before you drive over.

12. Don’t park in the driveway.
The driveway is for the borrowers or signers to park. You can park on the street unless you are invited to park in the driveway. They might need that spot in their driveway and they might not appreciate the fluids you leak onto their driveway either.

Those are the basics. Read our etiquette course for more.

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October 14, 2018

INDEX — Best Notary Comedy Articles 2010 to 2014

Filed under: Best Humorous Posts,Compilations — admin @ 11:42 pm

These posts are in order of popularity and quality.

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Funniest things that happen to signing agents
http://blog.123notary.com/?p=55

The signing from hell
http://blog.123notary.com/?p=765

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

Seinfeld episode about a Notary
http://blog.123notary.com/?p=10208

Notary Apps for the iPhone 7 you’ve never dreamed of
http://blog.123notary.com/?p=10977

Vampire Notaries: 24 hour service
http://blog.123notary.com/?p=4094

3 Notaries walk into a bar
http://blog.123notary.com/?p=3660

Family Guy — Peter joins ISIS by mistake & needs Notarized conversion
http://blog.123notary.com/?p=10507

The Notary, The Mafia & The Fedex Drop Box
http://blog.123notary.com/?p=6867

My Date with Jeremy
http://blog.123notary.com/?p=4473

Two and a half Notaries! A Notarization experience
http://blog.123notary.com/?p=8974

Witnessing intake forms for Notary Heaven
http://blog.123notary.com/?p=8832

Welcome to the Notary Hotel
http://blog.123notary.com/?p=8822

Honey, I notarized the kids
http://blog.123notary.com/?p=7030

Two and a Half Notaries — detering Notary fraud
http://blog.123notary.com/?p=10452

Notary Cheers: Sammy gets a name change form notarized
http://blog.123notary.com/?p=10016

Two Notaries assigned the same job
http://blog.123notary.com/?p=1060

A 2nd date with Jeremy
http://blog.123notary.com/?p=7074

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September 22, 2018

Compilation of Stories on the blog categorized.

Filed under: Compilations,Stories — Tags: — admin @ 8:19 am

Here is a more organized way to reference Notary Stories.

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TOP
Notary airport
http://blog.123notary.com/?p=17062

Racial issues at a signing
http://blog.123notary.com/?p=19220

I’d rather stop being a notary than carry a gun
http://blog.123notary.com/?p=15896

The Notary union raises it’s rates and alienates notaries!
http://blog.123notary.com/?p=19648

Notary STARBUCKS – charging for waiting time while sipping Sumatra
http://blog.123notary.com/?p=18926

Carlette’s Signing Story
http://blog.123notary.com/?p=19020

The sexting notary
http://blog.123notary.com/?p=19727

What are Jeremy’s favorite blog entries?
http://blog.123notary.com/?p=18837

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DRAMA

Why Notaries don’t last
http://blog.123notary.com/?p=4087

Notarizing for an adoption
http://blog.123notary.com/?p=3267

Artificially inflated rates at a signing
http://blog.123notary.com/?p=16128

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

The signer who passed out and slid under the table
http://blog.123notary.com/?p=15810

Two guys with the same name; One cashed the other guy’s check!
http://blog.123notary.com/?p=16102

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CRIME & DANGER (physical or financial)

Murder in a building a week before the signing
http://blog.123notary.com/?p=19272

Notarizing a kidnapper
http://blog.123notary.com/?p=676

One of our notaries helped put three dangerous felons away!
http://blog.123notary.com/?p=19471

Reverse Blackmail at a notary signing
http://blog.123notary.com/?p=7071

Stealing a business name
http://blog.123notary.com/?p=2660

The Notary Police
http://blog.123notary.com/?p=19702

We caught some frauds who stole credit info at a hotel
http://blog.123notary.com/?p=20090

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

The Notary, The Mafia & The Fedex Drop Box
http://blog.123notary.com/?p=6867

A Notary gets sued and E&O won’t help out!
http://blog.123notary.com/?p=2910

Notary in Louisiana murdered in home invasion
http://blog.123notary.com/?p=925

Compilation of mafia related posts
http://blog.123notary.com/?p=20352

Two Notaries with the same name
http://blog.123notary.com/?p=19100

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GENERAL STORIES

The Notary union raises it’s rates and alienates notaries!
http://blog.123notary.com/?p=19648

Notary STARBUCKS – charging for waiting time while sipping Sumatra
http://blog.123notary.com/?p=18926

Carlette’s Signing Story
http://blog.123notary.com/?p=19020

What is your favorite notary password?
http://blog.123notary.com/?p=19224

A notary complains about the instructions
http://blog.123notary.com/?p=19733

The stolen loan package
http://blog.123notary.com/?p=15395

Demographics in the notary business
http://blog.123notary.com/?p=15359

A Notary finds a document notarized by Jeremy in 2001
http://blog.123notary.com/?p=19338

Why you don’t want to be a notary in NW New Mexico
http://blog.123notary.com/?p=18972

Notary university
http://blog.123notary.com/?p=17039

Notary Jury Duty
http://blog.123notary.com/?p=15838

Don’t ask don’t tell
http://blog.123notary.com/?p=17037

The notary corporation
http://blog.123notary.com/?p=17032

If you can notarize here, you can notarize anywhere!
http://blog.123notary.com/?p=16998

Here is how your home will be drained of its equity
http://blog.123notary.com/?p=18924

I’ve been doing this 20 years
http://blog.123notary.com/?p=19910

How Piano lessons changed my life
http://blog.123notary.com/?p=19891

I have a dream
http://blog.123notary.com/?p=19207

The Notary Model
http://blog.123notary.com/?p=19286

The Frustrating 4 hour signing
http://blog.123notary.com/?p=15760

Welcome to the notary casino
http://blog.123notary.com/?p=15255

Notarizing a tax preparer
http://blog.123notary.com/?p=15014

I was forced to forge my own signature in India
http://blog.123notary.com/?p=20036

A Notary was in court due to a suspicious marriage
http://blog.123notary.com/?p=20034

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123NOTARY

My best 100 days and Carmen’s worst
http://blog.123notary.com/?p=20030

All about 123notary

All About 123notary

2016 timeline – a year in review

2016 Notary Timeline – a year in review

Jeremy’s bucket list

Jeremy’s bucket list

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September 17, 2018

What are Jeremy’s intentions?

Filed under: General Articles — admin @ 7:48 am

Why is Jeremy mean? Why does he give so many quizzes? Why does he take away people’s certifications? We are amazingly great Notaries and don’t need to be quizzed and deserve $200 jobs, etc. So, what gives?

I (Jeremy) realize that people who hire Notaries have a lot to lose if they hire a bad Notary. I also realize that the other notary directories out there have mostly really awful Notaries who don’t answer their phone, don’t communicate well, and don’t know how to be good Notaries, let alone good signing agents.

Next, picture yourself having to deal with thousands of apathetic Notaries who put more effort into coming up with excuses and avoiding doing what they are asked to do rather than cooperating. Then, add a regular supply of vicious jerks who go out of their way to be as hostile as possible and then blabber all over Facebook saying what a jerk I am. I am just doing my job, but get pelted with hostility the minute I ask anything of my Notaries or have any rules. I do not have the freedom to set down any terms and conditions that are enforceable without being relentlessly attacked. If you were in this position, how nice would you be, and would you even last?

123notary’s business model has always been about identifying and marketing quality Notaries. Most Notaries think of themselves as high quality, however, in my point of view, only a handful are. When I talk to someone for five minutes and have to repeat myself ten times, or find that whatever I say gets scrambled, this is what I call bad communication skills. When I ask simple notary questions and get resistance, that is a sign of a bad attitude and lack of motivation. When I give a notary quiz email and half the answers come back wrong — which is average. That is bad. We are showing you to fancy title companies who want to get good Notaries from our site. Generally the title companies are happy with us as a rule. But, I want to give title the best Notaries possible and filter through my notaries on board to find the best ones to identify as being good — or at least give higher placement to.

Additionally, the ones who have my certification icon are notaries who in a sense I am personally recommending. After retesting certified members and seeing how they don’t respond to emails and they can’t give straight answers to easy questions, I am thinking, how can I recommend these people? I want solid people to recommend who are professional, answer questions in a straightforward way, and know their stuff. This shouldn’t be hard to filter out, but when you boil it down, you might only get a few dozen people who match this requirement.

I want to market my certification like I did in the old days. But, people stopped respecting it. After I retested people, I too started to disrespect my certification. Unmotivated, stubborn people who did not know their notary procedures at all, and who were unwilling to study had my certification. Even with an open book test and study guide, many people just didn’t read the study guide and failed. A basic misunderstanding of the most basic notary principles and aspects of following directions were the problem. It is not rocket science to be a Notary. But, for most of our Notaries — it might as well be.

In short — I am trying to have the best site possible, but am dealing with a crowd of thousands of apathetic Notaries who don’t know their job and don’t give a damn. My value system does not match the majority of the Notaries.

The bottom line:

(1) I want to attract work for decent Notaries. And if I can’t differentiate a great Notary from an average one, that means more work for Title to sift through them. If most of the notaries on my site don’t know how to be a safe and good Notary, in my mind, why would anyone want to hire them or use our site? This is why I put so much emphasis on free courses, studying, quizzing, etc. That way in my mind notaries who pass deserve to get hired and paid well. Unfortunately only a handful are motivated enough to pass.

If we were a directory with only bad Notaries, or where you couldn’t find hardly any good Notaries, people would not get much work from our directory. Think about it. Those that hire want quality, especially if they pay well.

(2) I want my certification to be valued like in the old days. If people who used to be good, who forgot their stuff, and have become old and sluggish are the only ones with my certification, no wonder people don’t value it anymore. I feel sad taking my certification away from so many people. But, they will only value it when so few people have it, that it becomes an identifier of the cream of the crop. Then people will want it again, but whether or not they will be able to pass the test is doubtful.

(3) When I quiz by phone I have to make 200 calls per day. I have to get each call done fast to get to the next. When a Notary holds me up with sluggish answers, giving me the runaround or antagonizes me, I lose my temper because I really don’t have time or patience. Then, the notary typically gets on the internet and tells everyone how rude I am and I normally kick that notary off my site or mark them up as being a problem. Notaries do not understand that after being talked back to dozens of times per day I am long past the end of my fuse. Talking back to the police is not a good idea and they will not be nice to you if you do it either. Please remember that I am quality control and NOT customer service. If I am screening you, there is no benefit to not being polite and cooperative.

(4) I want to have the best directory possible as I said before. If you cooperate with me by being nice and studying, you can share the fruits of the quality. Otherwise you probably won’t do very well on 123notary in the long run and you are the one who loses the most. A few hours of studying to save your career doesn’t sound unreasonable.

(5) About 5% of Notaries email me and say that they are on my site and that they too are tired of really bad Notaries. For each supporter I have, there are twenty in the opposition who are pro-horrible Notaries and want the industry to have nothing but the worst, because they don’t see the worst as being bad, but think that it doesn’t matter. You just stamp a form and throw a package in the FedEx — that is all there is too it, and anyone who thinks differently is a prick. Those values do not attract quality clients and to not attract me either.

(6) Those “good” notaries who value knowledge who are on my side typically do not spend much time on social media. They are too busy working. Those who are not working are the majority on all theses Facebook groups that bash me. If they would spend as much time studying as they do commiserating with other jerks, they might get ahead.

I just want to have a site I am proud of with notaries who are conscientious, and can handle any type of work-related situation. If that doesn’t gel with you, then I can’t help you!

You might also like:

What are Jeremy’s favorite blog entries?
http://blog.123notary.com/?p=18837

Testing Carmen on a bridge in 2003
http://blog.123notary.com/?p=21264

My bad karma testing people by phone
http://blog.123notary.com/?p=19447

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August 3, 2018

Notary Public 101 — Scenarios: What entities might want to see your journal?

Filed under: Uncategorized — admin @ 6:38 am

I have gotten in hundreds of arguments with notaries from states all over the county. Those who live in states where journals are not legally required think they will not get into trouble if they don’t have one. If you end up in court, your journal is your only evidence of what happened. You might become a witness for a long case or a defendant if you don’t keep a journal regardless of what your state says.

The FBI investigates ALL Mortgage fraud. That means that if you notarize a fraudulent mortgage, don’t keep a journal, and the FBI catches up with you– you are in trouble as well as the Lender and they can name you as a suspect. The possibility of being slapped with a $20,000 Attorney fee is just not worth the risk. It is much easier just to keep a journal so that you will have some sort of evidence of what work you performed.

Here is a list of entities that might want to see your journal other than your state which may or may not require it.

1. The FBI
2. Judges in court
3. Signers
4. Attorneys
5. People who were affected directly or indirectly by something you notarized perhaps such as beneficiaries, etc.

When I was a Notary, I had three or four inquiries about journal entries. Since I kept my books in order I was ready. How ready are you?

You might also like:

Notary Public 101 – Journals
http://blog.123notary.com/?p=19511

Comparing journal entries to FedEx signatures
http://blog.123notary.com/?p=19375
How many journal entries do you use for two signers on three docs?
http://blog.123notary.com/?p=19391

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April 2, 2018

Compilation of Mafia Related Notary Posts

Filed under: Compilations,General Stories — admin @ 10:27 pm

Here are some posts about the Mafia’s relationship with the Notary world. They are all fictional, so please do not call the FBI about this one!
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MAFIA POSTS
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The Notary, The Mafia & The Fedex Drop Box
http://blog.123notary.com/?p=6867

Tony Soprano Gets Notarized
http://blog.123notary.com/?p=14897
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RELATED POSTS
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Fraud & Forgery related to the notary profession
http://blog.123notary.com/?p=2294

I’d rather stop being a Notary than carry a gun
http://blog.123notary.com/?p=15896

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

Psych Episodes (psychic detectives who fight crime)
http://blog.123notary.com/?tag=psych

We caught a bunch of frauds using Notary verbiage
http://blog.123notary.com/?p=7096

Why keep a journal? Don’t wait until you get a call from the FBI
http://blog.123notary.com/?p=19377

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MURDER RELATED POSTS
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Murder in a building a week before the signing
http://blog.123notary.com/?p=19272

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Scenarios: The Frank camping trip question

Filed under: Loan Signing 101 — admin @ 12:17 am

Frank does a loan signing on Monday and drops the package in the drop box at 3pm, calls in the tracking number and then wants to go camping. How many days should Frank wait before embarking on his camping trip and why?

I think that Frank should wait until he confirms with the Lender that the package has been looked over in its entirety, or until the rescission date, before going camping. If there is any issue, they might need Frank’s immediate communication and cooperation. Notaries who are not responsive after signings get regular complaints on our review system.

But, let’s review why you should wait and how long you should wait.
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1. Camping = not responding to emails = complaints
The most common source of complaints in our review system is due to Notaries who are either rude, make Notary mistakes or are unresponsive after a job has been completed. Sometimes the Notary forgets to send the documents in, and sometimes they just don’t answer their email when there is an issue or question with the documents that were sent in. If you don’t respond, you get complaints. If you are camping, you might not be in a position to answer emails quickly and might not have internet access.

A lot of wise guy Notaries say that they would take their laptop camping and that they only go to a camping spot where there is internet. I think these Notaries are personalizing the question rather than answering it based on general sense which dictates that camping spots are normally out of circulation and that the question is not about THEIR camping spot, but about camping spots in general.
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2. Types of issues
If you hand in loan documents, there might be several types of issues.

(a) A missing document. Perhaps Title never included it in the package, but you will be questioned and blamed if it does not come back to them.
(b) A missing signature or initial. This one is your fault and it will come back to you within a day of receiving the documents.
(c) Recording issues normally happen after day five and are rare. Your stamp’s impression might be too light or some arbitrary and nitpicky complaint about your seal could happen. You cannot hold yourself hostage forever, so focus on more common issues.
(d) Fedex was delayed for some reason. If so, you get called and you have to answer questions about where you dropped the package, when you dropped it, what the tracking number is, whether you gave it to a person or put it in a box, etc.
(e) A missing check or document that was to come from the borrower and be included in the package.
(f) A redraw and resign. Perhaps the borrower decides they want to change something about the loan and there needs to be a resign. This happens from time to time and you will get called if it does.
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3. Timeline
If there is a problem with a loan, it is unclear how fast you will find out about it. Here is my approximation of a timeline.

Day of the signing — the loan gets signed and dropped in a drop box hopefully at a manned Fedex station or other courier station or box. If the package gets dropped after the cut off, it doesn’t get picked up until the next day or early evening.

Day 1 — An overnighted package might be received on this day, the day after the signing which I call Day one since the day of the signing doesn’t count as a day in the rescission calendar. You might hear from someone on this day if there is a problem, but it is more likely you will hear from someone on day two.

Day 2 — A 2 day air package or delayed overnight package will probably arrive on this day. Just because the Lender received the package doesn’t mean they looked at it in its entirety yet. It might be sitting on their desk. You are likely to hear from someone on day two, but not necessarily.

Day 3 — By this day, the package will most likely be received and looked over. But, a few stragglers might still not have looked over everything and the secretary might still have the package in a pile on her desk.
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Day 4 — By now, the right to rescind is probably over or will be over by midnight if there was a Sunday or Federal Holiday within the four calendar days. It is probably safe to go camping now.
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Day 5 — If there are recording issues, those might surface after day five, but are rare, so don’t lose sleep over them.

4. When is it safe to go camping?
If you alert your client in writing before the signing happens saying that you are out of circulation and that if there is a problem, you are on your own — you still might get blamed, but at least you put the alert in writing.

I would wait until day four to go camping OR call the Lender and make sure he/she has looked over the entire package before going camping. Sending the package by fax and having them inspect it the afternoon you completed the package is yet another option if they are available to inspect it. Most issues come to surface on day two or day three, so by day four you are likely to be off the hook. Check your emails once a day anyway just to be a good service provider.

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March 26, 2018

The signer would not sign the flood disclosure

Filed under: Loan Signing 101 — Tags: , — admin @ 10:50 am

If you go to a signing at 11am and the signer signs everything except the flood disclosure, what do you do? You call the contact person or people in title or lending. If they do not call you back, you cannot stay at the borrower’s house all day long. Let’s say you leave the signing at noon with everything signed except the flood disclosure. How fast do you drop the package?

Most Notaries will hold on to the package for dear life until the messiah comes. However, the Lender needs those documents. The borrower can take care of the flood disclosure on his own as it is not notarized. Here are some realistic scenarios about this situation:

(a) You drop the package too early, and you have to immediately go back to sign the disclosure. The Lender loses $50 on Fedex. A small loss that is completely his fault for not calling you back.

(b) You hold on to the package for several hours thinking you will drop it half an hour before pick up. Then, you get busy with last minute notary assignments and forget to drop it or have a scheduling conflict at a minimum.

(c) You are at home cooking or reading the paper and forget all about your package.

(d) Better yet, you get in a bad accident and are in the hospital and cannot drop it. If you forget to drop it, don’t have time, or can’t, you could get sued when the borrower loses their lock. Don’t let them lose their lock, rather, drop it like it’s hot!

(e) You have a family emergency because your mom had a stroke, or your daughter hit her head and you drop everything (except the package) and tend to your emergency.

(f) You wait 60 to 90 minutes after the first message is sent before you drop the package depending on what other assignments you have that day. You give the contact person a reasonable amount of time to call you back, but you don’t hold on the package so long that you create any significant risk of it not getting dropped that day due to issues elaborated in points b, c, d, and e. In my opinion, scenario (f) is the most reasonable way to proceed.

HERE IS THE QUESTION RESTATED AS A FOLLOWING DIRECTIONS QUESTION:

You are assigned a signing by Chad the Loan Officer. Chad’s instructions as he words it are, “If there is a problem, call me and only me, if you can’t reach me, then send me a text.” You get to the signing at 11am. The signer’s name is Jesse. Jesse signs half of the documents, but gets to the flood disclosure and says he won’t sign it until he can talk to someone. So, you call Chad, Chad does not answer, what do you do now?

Most Notaries immediately want to call Title. Then they argue with me when I tell them that the instructions say to call Chad only. Then I am told that in real life Loan Officers never hire Notaries directly. I tell the Notary that the purpose of this question is not to master real life but to master following directions so you don’t get fired.

Other Notaries say they will leave a message and sign the other documents in the meantime while they are waiting for a call back. That may be very prudent, but isn’t following directions.

The correct answer is to send Chad a text. What you do after the text is up to your judgment as there are no other instructions. The purpose of this question is to see if you can remember instructions and obey them. Otherwise woe to anyone who hires you.

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