You searched for dates - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
123Notary

Notary Blog – Signing Tips, Marketing Tips, General Notary Advice – 123notary.com Control Panel

April 10, 2018

Document dates, signature dates, rescission dates and transaction dates

As a Notary, you will undoubtedly be confronted with a variety of dates that all need to be clearly defined in conversation so as not to confuse yourself or the other party. Let me sum these up.

Document Dates
The document date is NOT necessarily the date the document is notarized. It is merely an arbitrary date normally created by the document drafter that might reflect the date the document was drafted, supposed to be signed, supposed to be notarized, or some other arbitrary date. There is no rule for when a document date can be.

Signature Dates
The signature date of a document is the date it was signed. If you have two signers signing on different dates, you might have what 123notary calls “a double date.” There are multiple questions involved in a double date. One is how do you date the rescission document if the date you signed a document is more than one date. The other far more important question is — who pays?

Rescission Dates
The rescission date is based on a date that comes CALENDAR three days after the transaction (= signature date) not including Sundays or Federal holidays. If you have two signature dates, you might have two rescission dates, one per person. But, if there is only one rescission date, it probably is based on the last signature (complicated.)

Transaction Dates
This is more of a glossary type term or test term. The transaction date is the date when the transaction happened which is based on the date of the signature. I ask people what the synonym is for a signature date to see how much they read.

Medjool Dates
If you go to a signing for health conscious people or Saudi’s, after the signing, you might get yet another type of a date — a Medjool date. These dates are typically grown in the Middle East, but also in parts of Arizona near Yuma

Hot Dates Q&A
If you steal a document, would the date on the document be correctly defined as being a “hot date” since it was technically stolen?

Dates and Journal Entries
A good Notary does more than his/her state’s minimum requirements for journal entries. There is a field in your journal for the name and/or description of the document. A good journal also has an optional field for the document date. I suggest you pay attention and write in the document date as it helps to identify a particular document and distinguish it from a different document with the same name signed by the same person. Sometimes the document date is the only way to tell them apart.

Dates and Notary Appointments
I once went to a Notary appointment with a date. I left the date in the car and came out $30 richer. She complained that I left her in the car too long, which is good, because that date would expire at midnight.

Please also read our previous article on the same topic. Read more…

You might also like:

Notary Public 101 Certificates!
http://blog.123notary.com/?p=19502

10 tight points on loose certificates
http://blog.123notary.com/?p=15449

Backdating from A to Z
http://blog.123notary.com/?p=2424

5 books every notary should own and read
http://blog.123notary.com/?p=3668

Share
>

October 16, 2017

Notary Public 101 — POA, DOR, Dates, X

Return to the table of contents for Notary Public 101.

.

ADDITIONAL TOPICS

These are really more loan signing topics, but I will include them in this basic Notary course since these are Notarized documents.

.

POWER OF ATTORNEY

Notaries need to know the terms for the people involved in a Power of Attorney signing. The principal is the main person who signs the document who is the Grantor. This is the person who gives power of attorney to someone else to do tasks for him/her while he/she is incapacitated or out of the country. The Grantee is the same person as the Attorney in Fact or otherwise known as Agent. It is important to know these words and yes, we do test on them. However, at loan signings, people will do what is called a Power of Attorney signing. This happens when there is a completed Power of Attorney document and the Attorney in Fact will sign a loan on behalf of the principal. In these signings, they get rejected half the time for technicalities, so pay attention.

There are various ways for an Attorney in Fact to sign in their capacity.

John Smith as Attorney in Fact for Mary Smith
Mary Smith by John Smith, her Attorney in Fact.
John Smith POA for Mary Smith

There are more variations, but those are some common ones. The key thing to understand her is that:

The Lender decides the verbiage when you do a POA loan signing. The Notary might know the “correct” verbiage. However, legal information sites cite at least eight ways an AIF could sign in a POA signing that are all not BAD. The signing will be rejected if you do not sign exactly how the lender wants it. So, if there are no written instructions, ask the Lender.

How can I get a Power of Attorney Notarized?

.

DEED OF RECONVEYANCE

The Deed of Reconveyance (DOR, not DOA by the way) is often signed by the Trustee and often has the term Trustee inscribed in the signature area instead of someone’s actual name which is very confusing and leads to trouble on a regular basis. Many Notaries have the borrower sign where it says trustee. Usually the trustee is a Lender, or might be the borrower in one of his capacities. If you are not sure who the Trustee is, then ask before you have someone sign there. It is safer to leave this form unsigned than guessing, otherwise you might cause a delay to the Lender and get fired. So, if you are not sure what to do, don’t have anyone sign where it says Trustee.

.

DOCUMENT DATES

In the Notary world there are four types of dates. Transaction dates, rescission dates, document dates, and signature dates. The day you sign is the signature date and generally the transaction date. The rescission date is the last day to rescind. But, the document date is arbitrary and is created by the document drafter. It is normally either the day the document was drafted, the date it is intended to be signed, or an arbitrary date. There is no rule for what that date can be.

.

SIGNATURE by X

If a signer is partially incapacitated and cannot sign their full name, many states will allow a Signature by X procedure. The procedure can vary state by state, but the way I was trained is as follows. The principal signs an X on the document and in your journal. There should be TWO SUBSCRIBING WITNESSES who witness the person sign. Witness #1 signs the person’s first name to the left of the X and witness #2 signs the person’s middle and last name to the right of the X. Do the same in the journal. Add a note to the document to let the readers and custodian know what happened as they might not be familiar with this procedure. Keep the phone numbers and ID info of the witnesses in your journal just in case.

.

Share
>

March 23, 2012

Notarization Dates, Document Dates & Signature Dates!

We had this question as a Facebook competition question. It was fun, but we got too many wrong answers which is a little bit disconcerting.  There are different dates you have to be aware of as a notary. Some are more important than others, and each date has its own function.
 
Signature Dates
The date the signer signs the document is the signature date of the particular signature.  There are cases when a husband and wife will sign the same document, but on different dates.  People are busy, and two notaries could handle the same paperwork on two separate days with two separate signers.  Those split signings are tricky, and are more likely to have to be redrawn.  But, just as long as you get paid, don’t stress!
 
Notarization Dates
The date you notarize someone’s signature is the notarization date.  The date corresponds to the signature, not the document.  A document could be signed by more than one party on different dates.  Or an addendum could be added and signed on another date as well.  Its complicated.
 
Document Dates
This is the question that 90% of the notaries got wrong.  I had very few choices of contestants to put in the drawing to win Starbucks!  The document date is NOT necessarily the date the document was drawn up, although it usually is.  It generally should not be dated after the signing to avoid confusion.  It is often dated the day the signing is intended to happen on, and is often dated the day it was drawn, or sometime in between.  There is no rule governing when the document date can be.  The function of this date is to be an identifying mark on the document to distinguish it from other documents.  Of course, if you have ten documents all entitled, “Affidavit“, to be signed by the same two parties, and all having the same document date, it really doesn’t narrow it down.
 
Your Journal
If you live in a state that doesn’t require journals, please don’t read this paragraph.  Actually, do read it, and get a journal anyway.  Your journal of official notarial acts is your record of all notary acts that you have done in your commission. It is evidence if you ever have to go to court, or if you are ever questioned about a particular act. It adds to the integrity of the notarization and safeguards against fraud, especially when you take thumbprints for all documents (optional, but recommended).   If a fraudulent notarization takes place with someone impostering you, without your journal, you will never have proof that you didn’t notarize that person. Journals keep records in sequential order, so you can go back to July 3rd, 2003, and see that you indeed never notarized Shelly Deeds and her Deed.
 
Backdating
In your career, you will most likely eventually be asked to put a fraudulent date on your notarial certificate which is refered to as backdating. This is illegal, and you can lose your commission as a result, if you get caught.  A lender might need you to date the certificate for the 27th, when its the 28th, so that the borrowers can keep their lock. Its their problem, don’t get involved.  Lose the client and keep out of jail! Please see our blog article entitled “Backdating from A to Z

You might also like:

A lady lost a great account because she wouldn’t backdate!
http://blog.123notary.com/?p=22229

Leave a few spaces open in your journal

The transaction date = the signature date: Feb 2013 Phoninar
http://blog.123notary.com/?p=4054

How do I fill out a journal entry?
http://blog.123notary.com/?p=1725

Share
>

December 27, 2020

New Year’s Resolutions for Notaries for 2021

Filed under: Business Tips — admin @ 4:06 am

Every year I come back to this topic. Sometimes I address it in a humorous way, and other times in a serious way. Notaries often procrastinate some of their responsibilities. Your business will do better if you are a little more proactive in certain ways. Here are my tips for 2021.

Supplies
Stock up on supplies like paper, toner, ink, get that new GPS system if it will help you, pens, stamps, Fedex envelopes, and whatever else you need.

Snacks
Notaries have to eat on the road and that is not always healthy unless you live near a Whole Foods or a Jamba Juice. But, you can have packages of nuts and dried fruits in the car, and then bring fresh fruit on a daily basis. Dried fruits have a lot of nutrition. Apricots, dates, plums, dried mangos, raisins, and other dried fruits are packed with many micronutrients, minerals, vitamins, iron, and more!

Education
The newer Notaries seem to take education a lot more seriously. I noticed a change in collective attitude about six months ago. It seems that Mark Wills at LSS is a force of motivation and enthusiasm to be reckoned with. His students seem to be popular on our site too. His course seems to be oriented towards practical issues like dealing with some of the types of signings that became popular in the last few years (that were not popular during my day sonny.)

123notary has a paid certification course with a hard test. Our testing standards are the hardest in the industry and those who use our site are aware of that. We also have a very interesting FREE course on the blog which people love called Notary Public 101 and we test people who completed that test and sometimes certify them. Most people don’t study enough, but you can make that your New Year’s resolution and it will benefit you for the rest of your career.

Notes
Your Notary profile has a notes section. I just reviewed several hundred of our most prominent notes sections on the site. I am sorry to say that few did a bang up job writing about themselves. I think that putting in a lot of effort to try and figure out what to say about yourself will really pay off. Those who use our site want to read what you have to say about yourself, so if you say very little, they are less likely to call you first. It might take a few hours to read our section on the blog called, “Your notes section” while taking notes. It might take a few more hours to write a great notes section. But, that is what successful notaries so, so if you want to be successful, invest some time in it, especially during the holidays.

Reviews
It is the same suggestion every year. Our notaries seem to have less reviews than a few years ago. The very experienced Notaries got old or died off. Most of our Notaries are new which is refreshing, but they need to have reviews too. Anyone who compliments you on your work – ask them for a review and send them a link to your review page. The link is above your name on your profile.

Company Names
It pays off to have a good company name and register it with your county. We have written many articles on the topic. Please read those articles. It takes hours of brainstorming and conversations with others to pick a great name for your company. It is worth the effort in the long run.

Review your state notary laws
Some people look to Notary agencies for advice, but to know your local laws, please refer to your notary division’s website. Most states have a notary division under their Secretary of State, but some have it under another state office. Review those laws, because you might have a quandry one day if you are not rock solid on Notary laws and procedures.

Summary
I think I better think up my resolutions for this year. I want to be better at time management, lose lots of weight and learn Chinese better. Never mind becoming a millionaire — I’ll save that for 2022.

Share
>

December 22, 2020

A Virus in your email inbox

Filed under: Ken Edelstein — admin @ 12:41 pm

A Virus in your email Inbox
What to look for

We hear the sound of incoming email and hope it’s an assignment that will produce some revenue. Before you click a link – take a look. There are some very obvious signs that the click might result in real trouble. Ransomware asks for payment to unlock your newly encrypted hard drive. Many other virus types take your personal information and sell to eager identity thieves. And there are the ones that just delete everything – perhaps sent by a competitor?

I have strong defenses, but why test them? So, I look for some of the tell tale signs that the email is one that should not be clicked on. Some bad signs are: Lack of any phone number to ask a question in the email. Any use of a shortened link, typically a bit.ly/dh345 – there are several others. You do not know where that will go – shortened links are translated to ultimate web addresses after you click them. There is no valid reason for an edoc package to be accessed via a shortened link. One other sign is the total lack of any information about what, when or where (so the same shell can be sent to many). Often a high dollar fee is mentioned, but nothing else. Also, rather than a link, sometimes just a PDF is attached.

What not to do, and what to do
Don’t click any link in a suspect email, no matter what the text says. The destination of the link is often not what you see. I usually respond (not being sure if it’s real) with two words. Call me. Nothing more. If there is someone who really wants you they will call. Today I had 2 of this type of email and neither responded. I waited half an hour then deleted them. As the shortened links are formulated as URL addresses; you can carefully copy the address – and enter it into the URL area on virustotal.com – they can virus scan the file. You can also submit the PDF to virus total and it will be checked, by many anti-virus engines for contamination.

Sometimes the PDF or link will yield yet another display with yet another click bait. Playing with suspect emails at this level is very dangerous. But if you are truly determined to follow the path to see what it goes to – don’t use your own PC, Access your email from a rented PC. When you rent a PC you have a very low security clearance – and that machine is probably protected in many other ways.

You can unscramble the link
There are many services that reverse the scramble to show you where the compressed link will go. Google – shortened URL decoder – there are many. But are they safe? Perhaps, but I choose to simply reply “call me” and wait half an hour to simply delete the suspicious ones.

Shields UP
Keep your anti-virus up to date. Check it. Does it update frequently? I use F-protect as my antivirus program (among many other barriers). It often updates several times a day. Sure, I know it’s up to date – but I would be a fool to process a ringer as if it came from a known source.

Share
>

November 25, 2020

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

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

Originally posted in 2018

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.”

Terri Gillette — “For a closer Notarization — every time!”

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.”

.

You might also like:

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

Share
>

November 16, 2020

Notary fined $385 for botching a Notarization

Filed under: General Articles — Tags: — admin @ 10:49 am

Originally posted in 2018

Many of the Notaries on our site are so incompetent about communication and Notary practices that I shutter to list them. The fact is that I am not always informed when Notaries get in trouble. I would like to hear more stories of Notaries who goof and get in trouble because I want to learn how to prevent the problems from happening in the future.

The fact is that a Notary in Louisiana (I don’t remember clearly the name of the state but think it is Louisiana) did a Notary job for a loan signing. The Notary was new and had no idea what she was doing. There were numerous mistakes on dates, signatures, notarizations, etc. In fact there were so many mistakes that the Lender make the Notary pay for the redraw of documents. The bill came out to $385. Ouch. What a nasty surprise for this enthusiastic but clueless Notary.

The moral of the story is that you cannot just get a Notary seal and start working without knowing what you are doing. The states don’t prepare you at all for Notary work. Even California gives very little hands on training. NNA certified notaries have been trained in some basic aspects of loan signing, but that course does not teach basic Notary knowledge. So, if you think you “know what you are doing” because you are NNA certified, try taking NNA’s Notary Essentials course first. It is better to know how to be a Notary than a loan signer, because most of the mistakes notaries make are either rudeness, leaving people high and dry, not following directions, or you guessed it — Notary mistakes. Notaries very rarely get in trouble for not knowing their loan documents and rarely get in trouble for dating an RTC wrong although it could happen.

So, become an expert at being a Notary. You can get into trouble with me if you don’t and trouble with the law, lenders and customers as well. Knowledge is power and ignorance comes at a high expense.

.

You might also like:

Notary loses $4000 in legal fees because a fraud added a name to the certificate
http://blog.123notary.com/?p=19477

If you’re named as an identity theft conspirator, it could cost you $20,000 in legal fees.
http://blog.123notary.com/?p=19481

Do you keep a journal to please your state, a judge, the FBI or 123notary?
http://blog.123notary.com/?p=19483

Share
>

November 9, 2020

Which Notary directories get high paying signings?

Which Notary directories can help you get $150 jobs? Which Notary directory will help you get a high quantity of work. Which Notary directory will get you nicer clients? Here are some answers.

123notary — email us for a quote at info@123notary.com
123notary is a directory that refines its information daily. We attract all types of Notaries, but refine our list to put the absolute cream of the crop at the top of search results by using a complicated algorithm. This is why we are popular with Title companies and attract more high paying work than all other directories combined! Experienced Notaries on 123notary average $110 per signing. Disclaimer: Not all jobs from 123notary are amazing, but the percentage of good ones is higher than other directories, which puts you in a position to filter out the undesirable companies.

We put roughly 300 new notaries online every month and then take off half of the free new listings that have bad stats. We also have to remove older listings where the Notaries have become unresponsive. This constant refinement has made us the most reliable source for accurate information of any Notary directory.

123notary offers top placed listings in your county. All you have to do is email us at info@123notary.com and ask us for a quote for a high position in your area. Notaries with a top spot on 123notary get an exponentially higher quality of work as well as more total offers.

NotaryRotary
They are famous for their forum which is the most popular in the industry. Their directory is easy to use as it shows results in order of proximity to the search zip code. NotaryRotary focuses on closeness rather than on the quality or knowledge legal of the Notary. NotaryRotary gets a little bit of high paying Title Company work, but mostly signing company work.

SnapDocs
SnapDocs is a clearinghouse for the lowest paid and most undignified Notary work out there. Notaries get cattle calls via mass texts to all Notaries in the area for low paying jobs that often only pay $50 or $60 per signing. If you are a beginner and want to get your feet wet then try them. However, Notaries with experience are dropping off this medium like flies!

NotaryCafe
This is a much smaller directory that capitalizes on quality Notaries. Jobs are often higher paying, but there are not a lot of jobs to go around. Quantity is not a specialty of NotaryCafe unfortunately, but we still recommend them to more experienced Notaries.

SigningAgent.com
NNA’s directory has a lot of Notaries. Most of the Notaries are newer while there are a few experienced ones on board. The high point of this directory is that you can see the dates when Notaries became NNA certified and/or background screened which means a lot to signing companies. However, this company has not generated that much work for signing agents for years.

You might also like:

Best virtual comedy 2016 edition
http://blog.123notary.com/?p=17693

A comprehensive guide to Notary pricing
http://blog.123notary.com/?p=16504

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

Share
>

October 23, 2020

123notary Elite Certification Study Guide

Filed under: Loan Signing 101 — Tags: , — admin @ 12:24 am

.

ELITE CERTIFICATION

To get elite certification, you need to do well on the regular certification topics, and then know a lot more. Here are the items we quiz about for elite certification. We test by phone for the elite, and if you study hard and know your basic documents, scenarios, and Notary knowledge plus the content on this page, you could pass.

.

Documents you have to understand intimately

Recorded Documents
Riders
Subordination Agreement
Residency Affidavit
Owners Affidavit
Deed of Reconveyance
Deed of Trust
CD & HUD-1
Please read the details of the required documents. Read more…

.

Procedures or Acts to Understand

Signature by X or Mark — read more…
Apostilles and Authentications — read more…

.

Other Terms or Information
Please click on the links below to get detailed information on the following points.

The term Elizor — read points 23 on this link. An Elizor is a court appointed official that can sign over property when the owner refuses to cooperate in court.

Explaining beneficial & financial interest. A Notary may not have beneficial interest or financial interest in anything he is notarizing. A beneficial interest could be construed as …

Federal Holidays in chronological order (memorize these). Let’s start with New Year’s Day, Martin Luther King Day, Washington’s Birthday, Memorial Day, Independence Day …

Fraud Prevention & types of fraud that happen in the Notary world. Falsified identification, incorrect dates on certificates, using someone else’s Notary seal …

Authority – Who has the highest level of authority if there is a question about a notary act or document at a signing? The Notary is the authority as to how a notary transaction happens, but…

Annual Percentage Rate — a detailed understanding is required. The APR is based on the amount borrower after certain (but not all) fees and closing costs have been deducted, and expressed as a …

Pros & Cons: — Adding an Acknowledgment rather than fixing the original. if there is a mistake on a preprinted form. It is cleaner to add a new form, but there can be recording fee issues involved…

What to do if John & Sally’s names are inscribed in an Acknowledgment by the Lender and Sally can’t make it. — Cross out or add a new form? This is similar to the last point, but there are some extra snags…

Handling name variations and discrepencies such as: ID Name, vs. Typed Name, Signature on Doc, and Name on Ack. Relationship between these names if they don’t exactly match. The main thing is to obey the law first…

Understanding dates such as: Transaction Dates, Signature Dates, Rescission Dates, and Document Dates… A transaction date is the same as a signature date, but a document date is arbitrarily chosen, but by whom?

Loan Signing FAQ’s that Borrowers ask. FAQ’s have been greatly reduced by Lenders being required to explain documents to the borrowers in advance. But, you still might be asked why the APR is …

.

Share
>

March 17, 2020

Most popular posts as of 2019

Filed under: Compilations — admin @ 11:53 am

How to get something notarized if you don’t have ID
http://blog.123notary.com/?p=697

Can a notary perform a wedding or marriage?
http://blog.123notary.com/?p=1891

Penalties for notary misdeeds & misconduct!
http://blog.123notary.com/?p=2067

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

What does it mean to be Fidelity Approved?
http://blog.123notary.com/?p=20049

Do I notarize every page of a document?
http://blog.123notary.com/?p=2280

Can a notary notarize a birth certificate?
http://blog.123notary.com/?p=2300

Bank of America Power of Attorney Form
http://blog.123notary.com/?p=21327

Where can I find a Spanish speaking notary?
http://blog.123notary.com/?p=18824

Notary Verbiage & Notary Wording
http://blog.123notary.com/?p=18854

Can a notary sign on a different day?
http://blog.123notary.com/?p=2457

Can a notary get in trouble?
http://blog.123notary.com/?p=1745

Notarizing multi-page documents
http://blog.123notary.com/?p=1706

Can a notary notarize a Will or Living Will?
http://blog.123notary.com/?p=7088

Can a notary sign an out of state Quit Claim Deed?
http://blog.123notary.com/?p=2182

Can a notary be a witness?
http://blog.123notary.com/?p=1273

Notarization Dates, Document Dates & Signature Dates!
http://blog.123notary.com/?p=2421

Websites from some of our best Notaries!
http://blog.123notary.com/?p=14677

Can a Virginia Notary notarize in DC or Maryland?
http://blog.123notary.com/?p=18782

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

Can a notary witness a will or notarize one?
http://blog.123notary.com/?p=1525

Affidavit of Citizenship
http://blog.123notary.com/?p=18847

Share
>
Older Posts »