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October 16, 2018

A guide to notarizing documents with blanks or multiple signatures

Filed under: Technical & Legal — admin @ 1:04 am

Don’t notarize documents with blanks!!!
That’s the end to the guide!

Dealing with Blanks
However, the main thing to understand is that as a Notary, you have many responsibilities. You have to identify people, keep a journal, staple things together, give Oaths, fill out certificates. You are so busy, that you might not have time to scan a document for blanks. But, you need to scan every single page.

If you spot a blank, you can put a diagonal or horizontal line through it. The main thing is to make sure that no new information is added to the document after the notarization.

You can also refuse to notarize and make the signer or document custodian complete the document before submitting it to the Notary.

Notarizing Individual Pages (or not)
Additionally you cannot notarize particular pages of a document separate from the document. Sometimes a particular page needs to be fixed or changed in a document and you might get a request to notarize just that page. You simply notarize the entire document as a whole.

Multiple Signatures
However, sometimes you get a document such as a health directive which has multiple notarizations within a very long document. I have seen health directives or living wills with fifty or more pages. Sometimes at a notarization you are notarizing signatures in the middle of the document as well as at the end of the document when the certificate is at the end of the document. I have also seen cases where there are multiple signatures in the middle of a document and a certificate in the middle of the document. This is confusing. Affidavit of Support forms have Jurats in the middle of the form too, and not enough room for your stamp (dumb government workers.)

The 1003 is a great example of a document with an entire page intentionally left blank. But, that is a signed document, not a notarized document.

The main point of this quick article is to remind you that you have to scan documents for blanks.

You might also like:

Cross out and initial, or use a fresh form?
http://blog.123notary.com/?p=19933

Affirmations – pleasing the politically correct while offending all others
http://blog.123notary.com/?p=19606

Five things a Notary must do
http://blog.123notary.com/?p=19583

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April 25, 2017

Brush up on your skills and fill in the blanks

Most of you already know how to do loan signing. You know what you are doing or at least you think you do. You must know what you are doing because you’ve been doing this for twenty years. Unfortunately, number of years in business is not proportional to your knowledge.

There are people who read up on all of the blogs, who study their manuals and took many loan signing courses. Some of these people even review their knowledge. Others talk regularly to Escrow and Title workers to brush up on their knowledge. On 123notary, 2% of our members are Elite 123notary Certified. Those are the members who really know their stuff. In fact, their knowledge is so deep, that they know more than five times as much about the business as those who are not 123notary certified.

People who have been “doing this for ten years” usually don’t do too well when I ask them simple notary and signing agent questions. This is why I suggest a brush up course. I know you have already paid for a course. But, brush up anyway.

You can study from our 30 point course at no cost.
http://blog.123notary.com/?cat=3442

Then, you can pay us for a password to take our test at anytime. Studying makes for more knowledge than mere experience!

.

You might also like:

Studying to be Elite Certified is worth $533 per minute
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Best blog articles for advanced Notaries
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How good is your technical knowledge? Should you learn more?
http://blog.123notary.com/?p=16683

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July 8, 2019

Looking Beyond the Notary Section – A case Example

Filed under: Ken Edelstein — Tags: , — admin @ 3:01 am

The classic examples
We are often told not to notarize a document that contains blank areas. Of course in reality we do exactly that in every loan package. Take a look at the 1003 (the computer version of the loan application). Lots of blank areas there and nary a single N/A. Once I was put on standby for many hours; to notarize the sale of a super tanker. The neatly bound document was thicker than the Manhattan phone book (alas no longer issued). It was about 1500 pages. I did not turn each page in a desperate attempt to find a wayward and un-entered fill in. After about 6 hours of waiting time, I notarized the (approx from recollection) two dozen affiants at the end.

What happened today
The document was an amendment to an incorporation agreement. There were to be eight affiants; even with the nicely preprinted notary sections it totaled four pages. Simple? Well there was an issue. Just prior to naming the trustees, there was the statement that the names and addresses of the trustees would follow. The names were there but not the addresses. I normally don’t read the documents, but wanted to be sure the list of names matched the notary sections. I mentioned the discrepancy to the person managing the signing. I was asked how this should be handled. I covered the I’m not a lawyer issue. They came up with three possible courses of action.

The first would be to simply write in the addresses. Second, would be to redact “and addresses”. The last was to simply ignore the matter. They choose option 2. So, when the “and addresses” had a line drawn thru (not at my suggestion), I felt compelled to raise the issue of the requirement to initial hand written changes.

The first two affiants had left the session after being properly notarized and were not present to initial the change. The other 5 initialed. Hmmmm, 8-2=5? Sorry, but one of the planned 8 could not attend and would be notarized at a later date, and also initial that redaction.

In all probability the infamous “fix it fairy” would provide initials for the two who left early; of course I did not suggest that. But, as unfair as it sounds to me; some were unhappy that I mentioned the discrepancy between the stated text and the data entered. In other words; it seemed to some that I “created a problem” – just by stating the obvious (to me) flaw.

In all probability I goofed In hindsight, as I peck away at the keyboard; away from the seven affiants who want me to resolve the “issue I created” – I shudda kept my big mouth shut. My biggest blunder was to agree on the 3 possible solutions. Perhaps the address is an absolute requirement for acceptance of the document. I truly don’t know. And, the only reason that I sailed into that blunder was by mentioning the issue.

Resolved: At least for me – if it’s not in the notary section, don’t read it, don’t comment on it. And absolutely say nothing about how they should proceed. It’s OK to mention initialing changes, but take no “legal opinion” about “course of action” when modifications are being considered.

You might also like:

Index of posts about Notary certificates
http://blog.123notary.com/?p=20268

A guide to notarizing documents with blanks or multiple signatures
http://blog.123notary.com/?p=20252

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December 9, 2018

Venue — Definition

What is a venue in a notarial context?
The venue is a place in a notarial certificate where the state and county (or parish, burrough, or unincorporated city) are documented. This typically appears at or near the top of a Notary certificate or the top of the Notary wording embedded in a document.

State and county of venue
The state and county that should be recorded would be the state and county where the notarization took place and NOT where you reside, and not the county where the notary is commissioned. Sometimes you might not know what county you are in, so please find a way to look it up as this is a legal matter.

Where are venues used?
Venues show up on Notarial certificates (notary certificates) such as Acknowledgments, Jurats, Proof of Execution, etc. The venue is normally left blank and for the Notary Public to fill in. You might see:

State of _______
County of ________
and an “s.s.” somewhere in the venue section as well.

Keywords:
Acknowledgment Venue
Jurat Venue
Notary venue symbols
Notary venues
Notary venue
Notary with jurat and venue
Two signers on document different venues
Does venue correspond to notary stamp
Notorization venue
Notarial venue sample
Notary Public venue
State and county of venue means
The venue in a notary certificate is
The venue of a notarial certificate
Venue description notary jurat
Venue on a notary
Venue on a notary certificate
What is a venue in reference to a notary
What is an acknowledgment venue
What is venue when notarizing
What is venue on a notary document
What is venue on a notary certificate?
What does state and county of venue mean?
What is venue when signing a notary
Venue portion of notarization examples
Venue and notary
When dealing with a venue on an acknowledgment statement, what shoudl the notary list in the blanks.

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One signing two venues?
http://blog.123notary.com/?p=17047

What is a venue in a Notary certificate?
http://blog.123notary.com/?p=8454

Venues explained in the 30 point course
http://blog.123notary.com/?p=14514

Venue — legal definition
https://dictionary.law.com/Default.aspx?selected=2216

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December 7, 2018

Stormy Daniels accuses Notary of having intercourse with her

Filed under: Humorous Posts — admin @ 5:18 am

After the whole Trump fiasco, now Stormy Daniels is accusing a California Notary by the name of John Q. Public of giving her hush money not to talk about the secret affair they had twenty years earlier.

STORMY: You know I’m gonna let society know what you did, you little rascal.

JOHN: Have I been a very very bad boy?

STORMY: I have a little dirt on you that I’m going to hold against you.

JOHN: Just like you held me against you?

STORMY: Not exactly the same way. But, you forgot to put a state in your venue, and that is an omission.

JOHN: Are you saying that I didn’t have any ink in my seal, are you saying that I’m shooting blanks? Because I assure you that I’m fully loaded.

STORMY: Well that’s the problem. You were so loaded you couldn’t do your notarization correctly without drifting off in the middle. You also forgot to administer an Oath on my Jurat. That’s fraud baby, and I’m going to report you.

JOHN: How much more hush money do you want? Actually, my commission’s over, so it doesn’t matter anymore.

STORMY: It does on a felony conviction.

JOHN: That was twenty years ago, so the statute of limitations is over. Actually, I need to see my Attorney to verify. I owe her hush money too, so I’ll multi-task.

ATTORNEY: Hey Stormy, you should be embarrassed to have done it with a Notary. You should be paying him hush money.

STORMY: Hmm, I never thought of it that way. Especially since I was thinking about running for office. Maybe you’re right. Let’s just call it even, and make a toast with my brother Jack.

ATTORNEY: Deal. But, calling it even, there are still Attorney fees. Okay. Two bottles of Jack will do it.

STORMY: That’s money down the storm drain — pity, but makes a great pun on my name.

You might also like:

Texas suspends Notary who handled Stormy’s hush money
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Perhaps Trump will take notary competency more seriously now that he is affected
http://blog.123notary.com/?p=22335

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November 1, 2018

Comedic suggestions for slogans for particular names of notaries on our site

Filed under: Humorous Posts — Tags: — admin @ 8:05 am

Every time I look at a Notary’s name, I get ideas for slogans. Sometimes I tell Notaries these slogans. Look for your name here. I am only listing a small percentage of our Notaries, but you might be there.

Carmen Bland — “Call me if you want a truly tasteless Notary.”

Sally Cripps — “Call me for drive by signings.” (I changed the first name so as not to offend anyone.)

Robert Burger — “Over 1 billion signed.”

Sheila Mabry — “Yes, No or Mabry Notary Services.”

Charles Cook — “Kiss the Notary” or “Well-done notarizations with Charles Cook.”

Carmen Towles — “Throw in the Towles Notary Service.”

Jenny Kong — “Queen Kong Notarizations.”

Mary Potter — “Get notarized by me and I’ll use my brother’s magic Notary seal.”

Shirley Silver — “Not quite gold standard mobile notary.”

Mary Jane Jock — “Tired of being notarized by nerds? Call me!”

Catherine Minor — “Have you ever wanted to be notarized by a minor? Now’s your chance!”

Vene Moses — “Let me lead you out from being lost in the Notarial desert.”

Ann Dye — “A Notary Service to Dye for.”

Donna Mooney — “Looney Mooney Notary Services.” or “Full Mooney Notary Services.”

Robert Crouch — “Crouch ain’t no slouch.”

Sharon Wolf — “A Notary service in sheep’s clothing.”

Christine Loya — “You don’t need an Attorney, you need a Loya… Loya Notary Services.”

Kathleen Spies — Shaken not Stirred Notary Services.” or “007 Notary Services.” or “Double Agent Notary Service.”

Paige Borel — “You can’t replace this Paige.” or “Call me and we’ll be on the same Paige.”

Yvonne Blankenship — “My ship might be blank, but I do not notarize documents with blanks.”

Jennifer Winkler — “Get Notarized by the Fonz’s sister and say — eyyyy…”

Leslie Worth — “When you’re tired of those other worthless Notaries, call me!” or “Looking for a Notary where you get value? Look no further.”

Eva Sommer — “All Season Notary.”

Kathryn Reynolds — “The Notary who wraps things up.”

Shelly Booth — “The Notary Booth Notary Service.”

Tresia Burrow — “Ground hog Notary services.” or “A Notary who digs deep into Notary issues?”

Debra Wise — “Wisdom Notary Services — we never wise off to our customers.”

Wendy Gray — “50 Shades of Gray Notary Service.”

Robert Hyatt — “We notarize even after check out time.”

Etta Bell — “A Notary with a nice ring to it.” or “The Notary whose name rings a bell.” or “Heard of Etta? No, but the name rings a bell.”

Pearl Champaign — “Bubbly Notarizations.”

Robert Pratt — “A notary who never falls or clowns around.”

Dorothy Holmes — :Holmes equity line of credit Notary Service.” or “Mortgage your home with Holmes!” or “Your Holmes or mine Notary Service.”

Barb West — :Your business will never go South with me.” or “Call me for a Notary who is the best in the West.”

Tammy Mello – “Call me for a relaxed signing.”

Lucille Frost — “Chill Out Notary Services.”

Brian Quick — “Quick Signings Notary Service.” or “Call me for a quick signing!” or “Call me for the fastest Notary anywhere!”

Denise Lytle — “A lot from a Lytle Notary Services.” or “Call me for a Notary who works a lot, but only charges a Lytle.”

April Risley — “Spring Notary Services, let us spring into action.”

David Love — “You’ll like my work but you’ll love my prices.” or “You’ll love my work. or “For a Notary you’ll love.” or “I love you, man – Notary Services.” or “All is fair in love and Notary work.”

Sandy Moose — “Antlers in the head lights Notary Service.” or “Call me for a Notary who spends three hours parked in the middle of the road blocking traffic for no apparent reason.”

Julie Key — “Let me be your key to a successful notarization.”

Elizabeth Lock — “Lock & Key Notary Services.” (Maybe she should do a merger with Julie Key…)

Amanda Deel — “Deel me in Notary Services.” or “Great Deel Notary Services.”

Cheryl Bass — “There’s nothing fishy about this Notary.” or “For a Notary who is low key.”

Kelly Ruble — “Dollar for Dollar Notary Services.” or “You’ll never get a bad exchange rate with us.”

Heather Day — “Day or Night Notary Services.” or “24 hour notary services.”

Brittni Couch — “Coach Potato Notary Service.”

Gina Sas — “The Notary Service That Never Talks Back.”

Amber Dates — “Amber Alert Notary Service.” or “Blind Date Notary Service” or “Dates & Times Notary Services.” or “Medjool Notary Service.” or “Get notarized by pitted Dates with us.”

Pamela Knight — “Day or Knight 24 Hour Notary Services.”

Karla Hand — “Lend me a Hand Notary Service.” or “Hands on Notary Service.” or “Witness my Hand and official seal Notary Service.”

Angela Ma — “Not just another Ma & Pa Notary Service.”

Judy Weddle — “Don’t Meddle with Weddle.”

Verna Wright — “Get the Wright Notary at the Wright Price.”

Stephanie Story — “Chapter and verse Notary Service.” or “Once upon a time Notary Service.”

Coleen Ho — “Who you callin’ a Ho Notary Services.” or “Call me for a Notary who is gung ho.” (we changed the first name so as not to offend anyone too badly.)

Karen Wynn — “Wynn Wynn Notary Services.”

La Donna Penny — “Pennies on the Dollar Notary Service.”

Edwin Forte — “Notarizing is my Forte!”

Julia Hill — “Up Hill Notary Services.” or “Over the Hill Notary Services.” or “It’s all down hill from here Notary services.”

Robert Getter — “Getter is Better and will notarize your document or Letter!”

Ricky Salmon — “Wild Alaskan Notary Service.” or “Omega 3 Notary Service.”

Frank Tabacca — “Pipe Dream Notary Service”

Liz Demera — “I’m Liz Demera of Madera County.”

Stoney Wright — “Looking for Mr. Wright? Look no further.” or “Mr. Wright Notary Services.” or “Wrights and Responsibilities Notary Services.”

Julie Sleep — “I’m so experienced I can sign in my sleep.”

.

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The Noterator
http://blog.123notary.com/?p=19116

Names for Notary businesses that can get you trouble
http://blog.123notary.com/?p=19064

Geographic Notary Business Names
http://blog.123notary.com/?p=19060

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June 30, 2018

What does it mean to be Fidelity Approved?

Filed under: Marketing Articles — admin @ 9:42 am

I talked to a bunch of Notaries who were Fidelity Approved. Most of them were a lot better than average in terms of knowledge, but not all. Apparently, Fidelity scrutinizes them in particular ways, and asks a few questions, but not that many of the questions are Notary questions. I would like to know what their screening system is.

Fidelity approved Notaries do a little bit better on 123notary quizzes, but rarely score high grades because their notary and document technical knowledge is rarely proficient. In my opinion, a certification or approval means very little unless it is specified what qualifications or knowledge it is verifying.

My recommendations are that if they have any individual company type of requirements, that makes sense. But, there should also be requirements based on general notary and document knowledge, otherwise that is a risk to all parties involved. Can someone fill in the blanks for me about what their requirements are?

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I heard that someone lost their Fidelity approval because…
http://blog.123notary.com/?p=20061

Excerpts from great notes sections
http://blog.123notary.com/?p=1043

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May 3, 2017

The whole purpose of being a No-tary is to say No!

Filed under: Technical & Legal — admin @ 10:17 pm

In France, the officials love saying no just for the shear pleasure. One American was pulled over in France and asked the officer why he was pulled over. The officer replied, “Because, I can…” Notaries are in such a hurry to please their clients, they forget who they really work for which is Uncle Sam… on a state level that is. Notaries at a Notary office make their money in Notary fees and not in travel fees so there is no conflict of interest. But, Notaries who want to make a good living in the over-competitive field of mobile Notary are so motivated by keeping clients, that they forget the whole reason for their profession which is to say — no!

If a man says maybe it means no. If a woman says no, it means maybe. But, Notaries need to be a little less wishy-washy. You are protecting the integrity of very large transactions here. Allowing something to slide could enable a fraud, and you might have no idea who the fraud was as they might seem like a very nice person at first. Here are some situations where you should say No! (and loudly)

1. The ID says John Smith, but he wants to be notarized as John S Smith because that’s how his name reads on title.

2. The signer’s ID is expired and your state doesn’t allow expired ID. (some will allow up to five years from the issue date.)

3. The affiant refuses to swear under Oath.

4. You are asked to put a different date on the Notary certificate than the date of the signing.

5. The borrower will not or cannot appear in front of you at the time of the Notariztion

6. The signer is in jail and his girlfriend need you to notarize him without ID. “But, he has a wristband” she says…

7. The Lender asks you to mail in a “loose jurat” and says it’s okay because they do that all the time.

8. Notarizing individual pages of multi-page documents

9. Notarizing a thumbprint

10. Notarizing a vital record

11. Notarizing a photograph

12. Notarizing a document with blanks without crossing out or filling in the blanks.

You might also like:

See our Just Say No String
http://blog.123notary.com/?tag=just-say-no-2

Are you a yes-tary or a no-tary?
http://blog.123notary.com/?p=16626

ID — a growing problem
http://blog.123notary.com/?p=15074

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March 21, 2017

When to refuse a notarization: a comprehensive guide

Most clients you have will have legal requests, but from time to time, there will be someone who wants you to bend the law, or someone who doesn’t understand proper protocol. Here is how to handle the difficult requests.

Situations where a signer is not appropriate to notarize
(1) If you cannot prove the signer’s identity with satisfactory evidence. Some states allow personal knowledge of the signer, so please study your state rules. Satisfactory evidence normally involves current, or near current driver’s licenses, passports, or other government issued ID. Each state has different variations on what is acceptable, so know your state rules!

(2) If the signer doesn’t appear before you.
This means that they should be a few feet from you and fully visible.

(3) If you cannot communicate directly with the signer.
This means that the signer needs to speak the same language that you speak. If you speak the signer’s language as a second language, but don’t know it well enough to understand all of the communication necessary to give instructions and answer questions regarding the notarization, then you should decline.

(4) If the signer refuses to swear under Oath if an Oath is required as part of the notarization.

(5) If the signer is being coerced to sign or pressured to sign.

(6) If the signer is drugged (perhaps in a nursing home or hospital,) confused, or disoriented. If they can’t answer basic questions about the document, they are not in a clear enough mental state to sign.

(7) If the journal entry requires a thumbprint by law and the signer refuses to furnish you with one.

(8) If the signer refuses to pay the Notary fee

(9) If the signer is so incapacitated that they cannot sign their own signature.

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Situations where the document is not satisfactory

(1) If there are blanks, or omitted pages in the document.

(2) The document lacks a notary certificate and the signer refuses to tell you which type of notary act they need done.

(3) The document is a vital record, or a type of document that may not be notarized or be copy certified.

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Situations where the Notary cannot notarize due to conflict of interest

(1) If the signer is your parent, spouse, child, or other close family member. It might be okay to notarize for cousins and more distant relatives although it is generally better to avoid notarizing anything important for a family member due to conflict of interest.

(2) If you are named as a beneficiary in a document or have any type of financial interest in the document being signed.

(3) If you are the signer of the document, you may not notarize your own signature (contradictory to popular belief.)

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I created this blog because of a discussion I had with a Notary who went to another Notary at a UPS store to get notarized. The Notary refuseed to notarize because the signer (also a Notary) refused to be thumbprinted. I had to look this up. California state law did not discuss the issue, but did say it was illegal for a Notary to refuse service. I researched what NNA had to say about this issue and they concured with California in an article about when to say no. In any case, I hope this article was helpful.

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You might also like:

The whole purpose of being a No-tary is to say No!
http://blog.123notary.com/?p=19180

Are you a Yes-tary or a No-tary?
http://blog.123notary.com/?p=16626

Just say no #3
http://blog.123notary.com/?p=376

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January 22, 2017

How long does it take to get through a signing?

Filed under: Best Practices — Tags: , — admin @ 11:52 pm

Most Notaries allow around an hour for a signing. But, for a HELOC, Reverse Mortgage, or other longer packages, the timing can be unpredictable.

I did a huge construction loan for someone. I was in and out in 20 minutes with a 180 page package. He was a business professional and knew the drill. He didn’t read. He just signed. There are others who read all day at your expense.

One Notary claimed her average signing is 45 minutes. But, it depends on the lender and the type of package, type of borrower, number of pages, etc. Another Notary on Linked In claimed 45 minutes to an hour. A third Notary claimed 45 minutes as well. A forth Notary kept track of her signings over the course of a year and came up with the figure or 45-75 minutes unless there are multiple signers in which case it might take 15 or more minutes longer.

Older clients (the kind that leave their left blinker on for half an hour in Florida) might need 90 minutes for a signing. They can barely see their pen, so how can they possibly know what they are signing?

Summary
The considerations for how long a package will take to complete should be thought about in this order.

Age
Age determines how long a package will take to complete more than any other factor. Elderly people cannot see well, can’t hold a pen well sometimes, and get very tired. Allow a lot of extra time for Reverse Mortgages, Hospital signings, etc.

Experience
Professional businessmen can get in and out of a signing quickly, unless they make you wait for their busy partner to arrive which might take an additional ninety minutes without waiting time unless you negotiate well.

# of Signers
If you have five signers, you might be there for a while. They will have more bathroom breaks, more showing up late, and if even one doesn’t have proper ID, that throws the whole game off.

# of Pages
A fast signer can get through a long package quickly. But, a “reader” will take forever. The type of sign(er) is more important than the type of sign(ing) as a professional signer can whip through a 300 page loan faster than a nit-picky suspicious “reader” can get through an 80 page signing, especially if they have to call their lender.

Prepared Lender
If the Lender on the loan prepares his borrowers well, the signing will go fast. But, what if you get a Lender who waits until the last minute to fill in the blanks. You will be at the signing over an hour with a Lender like that. I had a best client who never prepared his borrowers well. The money was not bad, but they really took advantage of my time. Most Lenders have a few screws loose, and the Notary is the one who pays for that.

# of Notarizations
I was a fast Notary and could do 11 notarizations for two people = 22 notarizations in less than half an hour. But, it is a lot faster to do one notarization especially if the signer whips out their ID quickly (use a stopwatch for measuring that.)

Ending Joke
Here is a Maine joke for you guys.

TEXAS NOTARY: I once had a signing so big it took me three hours to complete

MAINE NOTARY: A-yup, I once had a printer like that

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Following directions is more important than you think
http://blog.123notary.com/?p=19608

The grace period after your signing
http://blog.123notary.com/?p=19465

10 ways female notaries can protect themselves
http://blog.123notary.com/?p=19196

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