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January 28, 2011

Don’t be intimidated

Filed under: Technical & Legal — Tags: — admin @ 9:18 am

HOW MANY TIMES HAVE YOU AS NOTARIES HEARD THE FOLLOWING?
Don’t be intimidated. Know the laws and stand your ground. Be an empowered Notary!

1. My lawyer said that you don’t need to attach anything. Just sign it and I will get out of your hair.
2. The other Notary I went to did not attach anything to the same document. Why are you?
3. Look, I used to be a Notary. Don’t give me a hard time.
4. I am a Lawyer…I do this for a living. Please don’t question me.
5. Look, if you don’t do it there are a hundred other notaries who will be happy to have my business.

At the end of the day, you need to be confident in the Notary Laws. Take the 123 Notary exam and be listed as an Elite Certified Notary. At the beginning of every year print out the Notary handbook with any new law and us e it as your bible and source of reference when you are questioned. It will add to your credibility and boost your own confidence when you interact with the public especially an attorney who thinks he is the repository of all knowledge and just miraculously knows more than you a licensed Notary.

I have had encounters of the worst kind with Lawyers, Doctors, Real Estate professionals and even other Notaries who have repeatedly challenged me and when they did not like what I had to say took to the internet and unfairly left me and my company bad reviews spewing the most vituperative and vile stuff. I responded in a cool and calm manner on why the reviews were without basis and let the readers decide for themselves.

Here are a few examples of things you are asked to do that you should not do under any circumstances if you want to be a trusted Notary and keep being an advocate of best notary practices.:

1. A Doctor wants you to put your seal on the photo when the Notary Laws prohibit you from doing so.
2. The name on the document does not match the name on the ID
3. An Attorney does not want you to even glance through the document to check if it is complete complaining that it is an invasion of his client’s privacy.

You are licensed and knowledgeable. Don’t let people push you around. Enjoy what you do and help people in the process.

.

You might also like:

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

The ID says John Smith
http://blog.123notary.com/?p=19953

The one Notary that used the embosser was the one Notary that…
http://blog.123notary.com/?p=19650

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March 21, 2025

Local SEO for Notaries: How to Rank Higher Online

Filed under: (6) Marketing — Tags: — Tom Wilkins @ 12:00 am

Today, homeowners and business owners search online for notary services more than ever. You’re missing potential clients if your business isn’t visible on search engines like Google. That’s where local SEO tips for notaries come in. By optimizing your online presence, you can rank higher in local searches and attract more clients. Here’s how to do it.

1. Optimize Your Google Business Profile (GBP)

Your Google Business Profile (GBP) is crucial for appearing in Google Search and Google Maps. A well-optimized profile can drive more traffic to your business.

How to Optimize Your GBP:

  • Claim and verify your profile at Google Business Profile.

  • Update business details (name, address, phone, website, and hours).

  • Choose relevant categories, like “Notary Public” and “Mobile Notary.”

  • Upload high-quality images of your workspace or mobile setup.

  • Encourage client reviews and respond professionally to all feedback.

2. Use Local Keywords on Your Website

To rank higher in searches, include local keywords throughout your website.

Where to Use Keywords:

  • Homepage – Mention your city and notary services.

  • Service pages – Create pages for services like loan signings or mobile notarization.

  • Meta titles and descriptions – Include city names and services in these sections.

  • Blog posts – Write helpful content, like “How to Find a Mobile Notary Near You,” with local SEO tips for notaries.

3. Get Listed in Online Directories

Being listed in local directories increases credibility and visibility. Ensure your name, address, and phone number (NAP) match across platforms.

Key Directories for Notaries:

  • Yelp

  • Yellow Pages

  • Notary Rotary

  • 123Notary

  • Chamber of Commerce websites

4. Earn More Positive Reviews

Google ranks businesses higher when they have consistent positive reviews.

How to Get Reviews:

  • Ask satisfied clients to leave a review.

  • Provide a direct Google review link via text or email.

  • Respond to reviews professionally, thanking clients for feedback.

5. Ensure Your Website is Mobile-Friendly

Since most searches happen on mobile devices, a slow or unresponsive site can drive clients away.

Mobile Optimization Tips:

  • Use a mobile-friendly website design.

  • Improve page speed for quick loading.

  • Make contact details clickable (e.g., tap-to-call phone number).

6. Create Local Content & Blog Regularly

Writing local-focused blog content improves rankings and positions you as an industry expert.

Topic Ideas for Notary Blogs:

  • “How to Notarize Documents for a Home Purchase”

  • “Understanding Notary Document Dates and Their Importance”

  • “Common Notary Mistakes to Avoid”

7. Build Local Backlinks

Getting backlinks (links from other websites to yours) helps boost search rankings.

How to Earn Local Backlinks:

  • Partner with local real estate agents, law firms, and banks.

  • Get listed on community and industry blogs.

  • Offer guest blog posts to local business websites.

8. Leverage Social Media

Using social media can increase brand awareness and drive website traffic.

Social Media Strategies:

  • Post regularly about your notary services.

  • Share client testimonials and success stories.

  • Engage with local businesses and community groups.

Boost Your Notary Business with Local SEO

Following these local SEO tips for notaries can improve your online visibility and attract more clients. Focus on optimizing your Google Business Profile, using local keywords, gathering favorable reviews, and building a strong online presence.

Want to learn more about notary document dates? Click here to understand their importance in notarized documents.

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September 27, 2024

Effective Social Media Marketing Strategies for Mobile Notaries

Filed under: Notary Marketing 102 — Tags: — Tom Wilkins @ 12:00 am

In today’s digital age, social media marketing is essential for professionals, including mobile notaries, to connect with potential clients. Finding a reliable notary who can come to them is invaluable for homeowners and business owners. But how can mobile notaries effectively reach their target audience? This blog will outline effective social media marketing strategies for mobile notaries to attract more clients. These tactics can increase your visibility, build trust, and grow your business.

Identify Your Audience

Before implementing social media strategies, it’s crucial to understand your audience. Homeowners and business owners need your services for various reasons, such as notarizing real estate transactions or legal documents. Tailoring your content to address their needs and concerns will help you connect with them more effectively.

Leverage Facebook for Local Outreach

  1. Create a Professional Business Page

Create a professional business page with relevant information, including your services, contact details, and a brief business description. Use high-quality images for your profile and cover photos to create a polished appearance.

  1. Join Local Groups and Engage

Joining local groups related to community services or real estate can be a goldmine for mobile notaries. Engage in conversations, offer advice, and answer questions related to notary services. This positions you as a helpful expert and builds trust with potential clients.

  1. Share Informative Content

Post regularly about topics like how to prepare for a notary appointment or the importance of notarizing documents correctly. This will keep your audience informed and showcase your expertise, making your profile more informative and helping your knowledge.

Use Instagram for Visual Engagement

  1. Showcase Your Services with Visuals

Instagram is perfect for sharing photos and videos that showcase your services. Post images of your mobile setup or short videos explaining notary procedures. Use relevant hashtags like #mobilenotary and #notaryservices to increase your visibility.

  1. Leverage Instagram Stories

Use Instagram Stories to share quick tips or answer frequently asked questions. Save these Stories in Highlights so new visitors can easily access them later. This will make your profile more informative and help potential clients understand your services better.

Maximize LinkedIn for Professional Networking

  1. Optimize Your Profile

LinkedIn is ideal for connecting with business owners. Ensure your profile includes a professional photo, compelling headline, and summary highlighting your expertise in mobile notary services. This will help you appear in searches when people look for notaries.

  1. Engage in Professional Groups

Join and participate in real estate, law, and business professional groups. Share relevant content and engage in discussions to build your reputation as a knowledgeable professional in the notary field.

Capitalize on Google My Business

  1. Create and Optimize Your Listing

Although not a traditional social media platform, Google My Business is crucial for local SEO. Create a detailed profile with your services, operating hours, and contact information. Encourage satisfied clients to leave reviews, as positive feedback enhances your credibility and helps potential clients find you easily.

Consistency and Engagement Are Crucial

No matter which platform you use, consistency and engagement are vital. Post regularly, promptly respond to comments and messages, and update your audience on service changes. This approach builds a solid online presence and fosters trust with your clients.

Building Your Online Presence

Employing these social media marketing strategies for mobile notaries to attract more clients can significantly boost your business. By leveraging platforms like Facebook, Instagram, LinkedIn, and Google My Business, you can effectively reach your target audience and establish a strong online presence. Focus on creating valuable content, engaging with your audience, and maintaining consistency to grow your client base. For more information on notary best practices, learn about the importance of document date to ensure accuracy and compliance.

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July 26, 2024

Why Continuing Education Is Crucial for Notary Public Professionals

Filed under: General Articles — Tags: — Tom Wilkins @ 12:00 am

In today’s fast-paced world, professionals in every field must stay updated with the latest trends, regulations, and best practices. This is particularly true for notary public professionals who handle crucial documents for homeowners and business owners. Continuing education for notary public professionals is not just a regulatory requirement but a vital component for maintaining professionalism and competence. Let’s delve into why ongoing learning is so important for notaries.

Ensuring Compliance with Changing Laws

Laws and regulations governing notarial acts are constantly evolving. Notaries must stay current with these changes to ensure compliance and avoid legal repercussions. Continuing education programs offer updated information about new laws, helping notaries remain ahead of the curve. For instance, remote online notarization (RON) has transformed how notaries perform their duties, necessitating additional training and certification.

Enhancing Skills and Knowledge

Continuing education for notary public professionals goes beyond legal compliance and enhances their skills and knowledge. Advanced courses can cover various topics, from handling complex notarizations to improving customer service skills. By investing in their education, notaries can provide better service to homeowners and business owners, ensuring that all documents are handled correctly and efficiently.

Building Trust and Credibility

Trust is paramount for homeowners and business owners when dealing with sensitive documents such as property deeds, loan agreements, and business contracts. Notaries who pursue continuing education demonstrate a commitment to their profession, building trust and credibility with clients. An educated notary is seen as a reliable and knowledgeable professional, which is essential in fostering long-term client relationships.

Staying Competitive in the Market

The notary public profession is competitive, and those who stand out often invest in their ongoing education. Notaries can differentiate themselves from their peers by staying updated with the latest industry standards and practices. This competitive edge is particularly beneficial for attracting and retaining clients, as homeowners and business owners prefer working with well-known notaries in current regulations and practices.

Adapting to Technological Advancements

Technology is rapidly changing the landscape of the notary public profession. Notaries must be proficient with the latest technological tools, from electronic signatures to digital document storage. Continuing education courses often include training on these advancements, ensuring that notaries can effectively integrate technology into their practice. This improves efficiency and meets the growing expectations of tech-savvy clients.

Networking and Professional Growth

Continuing education provides notaries with opportunities to network with other professionals in the field. Attending seminars, workshops, and conferences allows notaries to share experiences, gain new insights, and build valuable connections. These interactions can lead to professional growth and open doors to new opportunities, enhancing the notary’s career trajectory.

Continuing Education for Lasting Success

Continuing education is vital for notary public professionals. It ensures compliance with changing laws, enhances competence, and builds client trust. Notaries can ensure their career longevity and job satisfaction by staying updated with new technologies and expanding their professional networks. Homeowners and business owners seeking notarial services should prioritize notaries who invest in their education, as they provide the highest service and expertise. For more detailed information about specific notary practices, such as understanding the significance of a document date, explore additional resources.

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April 26, 2024

Get Paid Every Time: Notary Billing Strategies

Filed under: General Articles — Tags: — Tom Wilkins @ 12:00 am

As a notary, ensuring consistent and timely payment for your services is crucial, whether you’re assisting homeowners or business owners. Implementing effective billing strategies can significantly enhance financial security and streamline operations. This article will explore key strategies for getting paid for notary services tailored specifically to help notaries professionally.

1. Establish Clear Payment Terms Upfront

The first step in ensuring you get paid every time is to set clear payment terms before you begin any notary work. It’s important to communicate whether you expect payment upon completion of the service or if you offer any deferred payment options. For example, you might require immediate payment for services rendered at closings or real estate transactions but offer terms like net 30 for regular business clients who require ongoing notary services.

2. Utilize Digital Invoicing and Payment Solutions

In today’s digital age, using online payment solutions to get paid for notary services is highly beneficial. These solutions, such as PayPal, allow you to issue invoices directly after the service is completed, making it much easier for your clients to pay promptly. Online payments provide a convenient way for your clients to pay digitally, which can significantly speed up the payment process. This is especially important when dealing with busy homeowners or business owners who appreciate the convenience of digital transactions.

3. Offer Multiple Payment Options

To accommodate the preferences of different clients, it’s beneficial to offer multiple payment options. This can include cash, checks, credit/debit cards, or digital payments. By providing various ways to pay, you reduce the hurdles for prompt payment and cater to your client’s personal or business preferences. For instance, a homeowner might prefer paying via credit card on the spot, whereas a business owner might opt for a bank transfer.

4. Implement Late Payment Penalties

While it may seem harsh, having a penalty for late payments can incentivize your clients to pay on time. Be sure to clearly outline any late fees in your payment terms. Communicate this policy before performing any services to ensure there are no surprises. This approach not only underscores the professionalism of your services but also helps safeguard your cash flow.

5. Follow Up on Invoices

Don’t hesitate to follow up promptly if an invoice goes unpaid. Sending a polite reminder email or making a quick follow-up call can secure payment without further action. Regular communication keeps the lines open, reminding your client of the outstanding payment and your need for resolution.

6. Maintain Detailed Records

Keeping detailed records of your services, including who was billed, how much, and when payments were received, is essential for effective billing. This record-keeping helps follow up on unpaid invoices and is invaluable for financial planning and tax purposes.

7. Educate Your Clients

Sometimes, clients are not fully aware of the importance of notary services. Take the opportunity to educate them about what notaries do and why the fees are justified when getting paid for notary services. A well-informed client is more likely to appreciate the value of your service and, consequently, less likely to delay payment.

Securing Payments as a Notary

Ensuring timely payments for notary services involves clear communication, the use of modern technology, and adhering to professional standards. Notaries should establish clear payment terms, utilize digital invoicing, offer various payment options, enforce late payment penalties, and diligently follow up on invoices. Keeping detailed records and educating clients on the value of notary services is also crucial. Verifying the accuracy of the document date enhances legal and professional integrity. Implementing these strategies helps notaries protect their income and maintain a consistent business flow, ensuring payments are always received on time.

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June 10, 2021

Comments on good journal entry procedure

Filed under: Journals — admin @ 3:09 am

I have written thorough information on journal keeping in other articles. But, here is a summary of some of the more critical points.

1. KEEP A JOURNAL – or else. Even if your state does not require you to keep a journal, it is your only evidence if investigated by the FBI or if summoned to appear before a Judge. This happens more than you think to Notaries so be prepared and keep records in a journal.

2. Don’t forget to enter the type of NOTARY ACT that you are performing in the journal. This is generally a Jurat, Acknowledgment, Oath or Affirmation. Copy Certification might be considered a Jurat in some states, but you could put both names to be thorough.

3. Obviously enter the ID INFORMATION in your journal unless you live in a state that forbids that. Otherwise you have no evidence that you looked at their ID. Make sure the photo looks like them and that the signature on the ID matches the one in the journal and the document. If you want to get cute, ask them their sign and see if it matches their birthday.

4. THUMBPRINTS are almost foolproof. ID’s can be faked, but all thumbprints in the planet are unique to a particular individual. To deter fraud and help the FBI catch very very bad people (and yes we have stories from 123notary members about exactly this.) then keep a thumbprint for all notarized documents in your journal. NNA sells a nice journal with room for thumbprints and you need an inkless thumbprint pad too which is not expensive.

5. DOCUMENT DATES
Most people don’t know what a document date is or what it means. It is an arbitrary date inscribed within the document which normally corresponds to the date the document was drafted or signed. It is yet another indication of which document you are dealing with, just in case you notarize two documents from the same signer with the same document name.

6. SIGNATURES
Signers must sign all journal entries that pertain to documents that they are being notarized on.

7. PRICES. The price you are charging the signers should be indicated in the journal. If you are charging a travel fee, or a flat fee for a mobile signing, indicate this somehow in your records, perhaps on the top entry of a particular signing.

8. ADDITIONAL NOTES? The NNA journal has a section for additional notes. If you have credible witnesses, they sign there. If you notice anything unusual about the signing, write it down as that could jog your memory when you are in court several years after the fact. It is hard to remember all of your signings and roughly 15% of our full-time Notaries who have been around for several years have been to court due to Notary related reasons.

9. STORAGE. Keep your used journals in a safe and dry place. You might get a query for an old journal entry and you need to be able to find them. Your Notary division might want your journals if you quit your commission or you expire, so keep them where you can find them where nobody will steal them.

That’s all for today!

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November 23, 2020

Notary Test about Notary acts and more

Filed under: Technical & Legal — admin @ 9:41 am

Here are some test questions for you guys to see who’s got it and who has been faking it all this time.

1. In an Acknowledgment, who acknowledges what?

2. In a Jurat, does the signer swear that they:
(a) Signed a particular document and that they agree to it
(c) Are the person who they claim to be
(d) All of the above

3. If a document was signed on March 1, 2001, and today is March 2, 2020, what type of notary act can you use to notarize the document without having it resigned?

4. When administering an Oath to an affiant, after having the affiant raise their right hand (or paw) the Notary should start with the words:
(a) I solemnly swear
(b) Do you solemnly swear
(c) Do you affirm
(d) I solemnly affirm

5. What is the difference between an Oath and an Affirmation?
(a) In an Oath you swear; In an Affirmation you Affirm;
(b) They are essentially the same
(c) In an Oath, the affiant swears under God; In an Affirmation the affiant affirms on their personal honor;
(d) In both acts the affiant makes a solemn promise

6. A proof of execution is an act where the principal signer:
(a) Does not show up
(b) Must show up because the signer must show up for all notary acts
(c) Does not show up, but has someone show up for them
(d) There is no such act.

7. If you have two names on an Acknowledmgent (John & Sally) but Sally cannot make it, what is the most pressing benefit to crossing her name out on the form rather than using a fresh form.
(a) Your recording fees will not be affected
(b) There is less danger of the new form being detached and used fraudulently
(c) It is easier
(d) It will look better in court because it is “cleaner” than using a new form and stapling it to the document.

8. If you are notarizing the signatures of three people each on ten Grant Deeds, how many journal entries should you use?
(a) 1
(b) 3
(c) 30
(d) 13

9. If you are notarizing the signatures of one person on five Grant Deeds, how do you differentiate the Deeds in your journal?
(a) Indicate the property address
(b) Indicate the APN number
(c) Indicate the document date
(d) Just say, “Grant Deed” in your journal entry(ies)

10. If you are at a loan signing and have a question about a notarization…
(a) You should ask title
(b) You should ask the lender
(c) You should ask the NNA
(d) You should ask your state Notary division

Summary
These are very important notary questions. Answering them correctly will help you know your job and reduce your chance of ending up in a sticky situation. You can consult our Notary Public 101 course on the blog to look up content regarding these points although we don’t address these specific questions in particular.

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November 2, 2020

Notary Verbiage & Notary Wording

Originally published Nov 13, 2016.

Notary verbiage is a fancy way of saying Notary wording. Notary verbiage is legally required on all notarizations that are in writing. Oaths and Affirmations might not contain any written proof of the transaction other than in the Notary journal. The Notary form where the Notary wording is documented or written is called a Notary Certificate. A Notary Certificate would be a separate piece of paper where official state Notary wording is written or it could be the official notary wording embedded at the end of a legal document after the signature section.

Notary verbiage varies from state to state
You need to make sure that the Notary wording you are using is prescribed for your state. Each state has different wording, and you can look up that wording on Google by using terms such as, “New Jersey Acknowledgment Verbiage.” You need to specify which type of Notary act you want to know the wording for. Acknowledgments and Jurats are the two most common forms of Notary acts, although some states allow for certified copies of powers of attorney and other specialized notary acts.

Out of State Notary wording causes confusion
If you are a California Notary Public notarizing a deed with Florida Notary wording, you are allowed to Notarize the document. Notary wording on out of state documents might be a little different than what your state’s official Notary verbiage is. But, so long as it is not substantially different it is allowed. That means that so long as there are no differences in meaning behind the words in the Notary verbiage then it is okay. Most Acknowledgment sections claim that the signer appeared before the Notary on a particular date and acknowledged that they in fact signed the instrument (document).

International Wording
Out of state notary wording has never caused a problem in my personal Notary career of eight years. However, international requirements can cause a huge nightmare. It is common for overseas document custodians (the entity who will record or hold on to the document after it is notarized) to have requirements which are not only “not done” in the United States, but could be illegal. It is common for Chinese organizations to want an American Notary to put a stamp on a blank piece of paper with no Notarial wording which is completely illegal. In such a case, you have to explain to the signer that you are required by law to staple a notary certificate to the document being Notarized, fill it out completely, and then stamp it to complete the Notarization. Most states also require the signer to be identified and sign a journal.

ACKNOWLEDGMENT CERTIFICATE WORDING FROM TOP TO BOTTOM

(1) The Venue

Q. What is a Venue?
A. The venue comes at the top of a Notary certificate and documents the state and states the county.

State of California
County of Los Angeles

Certificate verbiage will contain a venue which is a section at the top of the notary certificate which includes the state and county where the notarization took place, and a signature section at the bottom which is where you put your signature and Notary seal impression. It is possible that a preprinted venue will have the wrong state which is a problem. If there is wrong information in the venue, you either have to do a cross out, or start with a brand new form. Most venues pre-print the state, but leave a blank where the county is to be inscribed. A prudent Notary will make sure all forms get filled out correctly with no cross outs as that is very unprofessional, especially on documents such as Deeds or Power of Attorney which are likely to be recorded by the county or some other organization.

(2) The body of an Acknowledgment.
Below the venue, the acknowledgment certificate will state that on such a date, a particular person or several named people personally appeared before a Notary Public and acknowledge that they signed the corresponding document. The wording will also include the fact that the signer was positively identified or perhaps known to the notary (some states allow for personal knowledge of a signer at a notarization.)

(3) The bottom of an Acknowledgment
Locus Sigilli is a lovely Latin term means the location of the stamp. At the bottom of the Notary certificate form is where the signature of the Notary goes and also where the stamp goes. Most Notaries use an inked Notary Seal while others use a non-inked Notary embosser in addition to prove authenticity of the notarization as it is possible to emboss all of the pages of the document to prove that pages were not swapped after the fact.

(4) Examples

Example of a Florida Acknowledgment Certificate

STATE OF FLORIDA

COUNTY OF BROWARD

The foregoing instrument was acknowledged before me this ___________ (date), by __________ (name), who is personally known to me or who has produced _____________ (type of identification) as identification.

______________________________

Notary Public

Printed Name:__________________

My Commission Expires:

____________________

Commission #_________

California Acknowledgment Wording

State of California
County of Los Angeles

On 7-21-2016 before me , Joe Smith Notary Public, personally appeared Sam Sarno
who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument
the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct.

Witness my hand and official seal _______________
Description of Attached Document
Title or Type of Document: _______ Number of Pages: ________
Document Date: _____ Other: _____________

Crossing out verbiage is required
On an Acknowledgment form, the boiler plate wording in the middle of the form requires cross-outs. Normally on legal forms you don’t want to cross out anything, but these cross-outs establish whether you are dealing with an individual signer, a male, female, group, etc.
If you look at the California Acknowledgment wording above, you will notice the term “Person(s)”. If it is a single person, then cross out the (s). The term name(s) — if there is only one name then cross out the (s). If you are doing a name affidavit, you might have a single person and six or seven names in which case do not cross out the (s). Then there is the he/she/they wording which can be complicated if you are notarizing someone of ambiguous gender or for Siamese twins.

Jurat Wording
Jurat wording is substantially different from Acknowledgment wording in that the Jurat requires the signer to sign in the presence of a Notary and swear under Oath as to the truthfulness of the document. Many states have a simplistic wording that just says,

“Subscribed and sworn to before me this __________ date of ______, (enter year) _______. ”

Other states have more elaborate wording, but the basic facts documented are the same.

Certified Copy by Document Custodian
This is a type of Jurat that is used only from time to time. Many individuals want to make a copy of a document and then have a Notary “certify” that the copy is correct. Most states don’t allow a Notary to certify this information. However, a Notary could make the photocopy him/her-self and write a note claiming that they attest to the fact that the photocopy is a true and complete copy of the original. However, the offficial Notary act that takes place is a Jurat where the signer swears under Oath that the copy is genuine. I completed many such Notary acts for college transcripts especially for foreign clients.

Read More about Notary Wording

http://blog.123notary.com/?tag=notary-wording

Should you use book wording for Oaths or improvise?
http://blog.123notary.com/?p=19660

Notary Acknowledgment Wording
http://blog.123notary.com/?p=18858

Index of information about documents
http://blog.123notary.com/?p=20258

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October 23, 2020

123notary Elite Certification Study Guide

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

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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.

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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…

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Procedures or Acts to Understand

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

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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 …

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March 17, 2020

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Filed under: Compilations — admin @ 11:53 am

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