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February 9, 2013

2013 Phoninar Quick Course

Filed under: Best Practices,Loan Signing 101,Posts With Many Comments — admin @ 11:26 pm

Here is the study guide for the phoninar!

The purpose of the phoninar is to help notaries learn some of the basics of signing without taking an actual course. Many notaries do not want to take a course, or they already took a course without mastering the material. My solution is to have a free quickie course to start them out with. If they can pass our over the phone test, we will keep them on the site. However, if they fail miserably, then we will most likely remove them from the site if they have a free listing.

Topic #1
The Right to Cancel
Most notaries have a rescission calendar that they refer to when calculating the last day to rescind. Few notaries know when all of the Federal holidays are. Many notaries also can not think clearly about how to calculate the last day to rescind mainly because they have never practiced calculating this date. If you want to come across as a professional, learn to give quick and accurate answers to simple everyday signing questions.

In a residential refinance, the borrower has (3) days to rescind not including Sundays and Federal Holidays. Be careful, Presidents day and Washington’s birthday are synonymous. Also, Flag day is not a Federal Holiday, but banks might be closed. Some lenders do not count SATURDAY as one of the (3) days to rescind, but formally, Saturday is considered a business day in terms of calculating rescission. Other lenders allow the Friday after Thanksgiving to be considered a holiday when legally it is not. Basically, each lender is different, but you have to know the basic laws effecting rescission instead of relying on what the handful of lenders you work with say.

Here is a list of Federal Holidays — memorize these for the test
(1) New Years Day, (2) Martin Luther King Day, (3) Washington’s Birthday, (4) Memorial Day, (5) Independence Day, (6) Labor Day, (7) Columbus Day, (8) Veteran’s Day, (9) Thanksgiving, (10) Christmas

Quick Facts
(a) There are two blanks for dates in the RTC which are generally filled in by the lender. Once in a while the notary needs to fill in these dates or correct them. The technical terms for these dates are the Transaction Date and the Rescission Date. Please memorize these terms for the test.
(b) The date of the signing is NOT included in the (3) days to cancel. If a loan is signed on Monday then Tuesday is day 1, Wednesday is day 2, and Thursday would be the 3rd or last day to cancel.
(c) Loans must be cancelled in writing by the deadline in writing by fax or mail, but not by email.

Pop Quiz
(1) Name all Federal holidays that come in January
(2) If a refinance is signed on the Wednesday before Thanksgiving, when is the last day to rescind?
(3) If a refinance is signed on a Friday, when is the last day to rescind?


Topic #2
Most notaries know a little something about the APR, but this topic is actually very critical for your success as a signing agent. Every borrower wants to know why their APR is higher than their Rate. How good is your explanation. Here is what we want you to know for the phone test. Sure, there is more to know than what we are telling you, so learn the basics from us, and learn more on your own.

Definition:The APR is the annual percentage relationship between the payments and the amount borrowed, minus the fees. This rate is often used to compare the different loans borrowers have to choose from. The APR is almost always higher than the rate. The rate, on the other hand, is a monthly percentage relationship between the payments and the total amount borrowed, including fees.

Quick Facts
(1) The APR is documented on the Truth in Lending Disclosure
(2) The APR is usually but not always higher than the Rate
(3) Your definition for the APR should include the fact that it could include loan origination fees, closing costs, appraisal fees, inspection fees, points, escrow fees, notary fees, and other costs of the loan — those are some of the big ones.
(4) If you mention that the APR is often used to compare loans, you get points on the phone test
(5) If you mention that the APR might be compounded, you get points.
(6) Several notaries have claimed that there is no government standard for computing the APR, it is up to each individual lender.
(7) You could also claim that the APR includes the interest rate, all fees and costs of the loan, and incorporates them all into a compounded Annual Percentage Rate.
(8) There are many ways to define the APR, the key is to mention all of the components in a clear and easy to understand way.

You might like:
Definitions of the APR

Pop Quiz
(1) Which document contains the APR?
(2) What are some fees that might be incorporated into the APR
(3) Please create and rehearse your definition of the APR so that you will sound professional before your borrowers


The Rate
The Rate or Interest Rate is more of a topic of confusion with the notaries than the APR although it is much simpler to understand and actually easier to find. Traditionally, the Rate is always documented in the Note. The note by definition discusses the Interest Rate, monthly payments, and prepayment penalties (if any). Once in a while there will be a Rider associated with the Note that might discuss these issues as well.

Inexperienced notaries typically claim that the best place to look for the Rate is on the Truth in Lending. Half of them say this because they are so uneducated that they can not distinguish between the APR and the Rate. The other half choose the Truth in Lending Disclosure because the Rate is actually documented there in many cases. But, let me ask you — if you are in front of the borrower and want to make a good impression — would you look for the Rate in a document where it sometimes is, or in a document like the Note where by definition it ALWAYS is? I vote for always because you will look like a fool if you go fumbling through the documents trying to find the right information in the wrong place.

Quick Facts:
(1) The Rate is always located in the Note
(2) In loans over the last few years the Rate is also generally documented in the HUD-1 Settlement Statement which comes later in the documents than the note unless it was sent separately.
(3) Some lenders include the Rate in the Truth in Lending, although this should NOT be the place you look for it first since it is not always there.

Pop Quiz
If you want to show the borrower the rate, which three documents would be where you would look, and in which order would you source those three documents?


Dealing with errors in signings

Errors on Notary Certificates
From time to time in a signing, there will be an error in the notary certificates. Please keep in mind that handling an error in a certificate might be handled very differently from an error in the actual documents, or in the body of the actual documents, so please make the distinction.

If there is an error in the notary certificate — such as an acknowledgment or jurat certificate to name examples, there are various ways to rectify the situations. The problem is that each method has an upside and a downside.

(1) Cross-out and initial
This is a messy way to solve a problem on a legally significant document such as an acknowledgment. If a person’s name is spelled incorrectly, crossing out an initialing could get the document rejected by a county recorder. One notary had to cross-out wording on an out of state certificate that claimed that she personally knew the signer when in fact she did not know the signer. She crossed that out, and the document custodian was very upset. I told her to consider adding a loose certificate.

REMEMBER, it is the notary who initials changes on notary certificates and NOT the signers.

(2) Add a loose certificate and start all over
Legally, you can always add a loose certificate. However, the person or entity to whom you are submitting the documents to might not like it. Please distinguish between what makes your work legally acceptable and popular as the standards often do not match. The loose certificate has the advantage of having whatever name and wording you want it to have so you don’t need to cross anything out.

(3) Notarize the document twice?
Not illegal. You can do two journal entries and notarize twice. Notarize the original acknowledgment embedded in the last page of the document with the cross outs, and add a fresh certificate as well assuming you have a 2nd journal entry to match that one. Document this well in your journal for your protection.

(4) Redraw?
Redrawing documents is time consuming and expensive. It involves making new appointments and risking not getting paid. But, for an out of state that needs to be worded in a particular way, you can have them word it however they want it to be worded, so that no cross outs or illegal claims or acts are necessary.


Errors in the right to cancel
Notaries typically do not know how to fill in the dates of the right to cancel. From time to time a signing will be postponed a day, and you need to change the two dates in the right to cancel which are the transaction date (the date you sign), and the rescission date (the last day you can legally cancel). Please try to appear educated and don’t say the signing date, or the cancel date as these wordings are not educated sounding and are also not clear.

To fix the dates on the right to cancel you can:
(1) Cross out, right the correct dates and have both borrowers initial
(2) Pull a fresh copy from the borrowers copies and start all over. The borrower’s copies might or might not have the dates printed in the blanks. If you made a mistake correcting dates, then sourcing the borrower’s copies definately makes sense.


Fees on the HUD-1 Settlement Statement
If someone wants to know where their fees and closing costs are, please direct them to the HUD-1 Settlement Statement. But, which fees are on the HUD. There is a huge conglomeration of information on the HUD. Too much to teach. But, to impress us, you should be able to rattle off a handful of fees on the HUD without batting an eyelash. Here are a few fees typically on the HUD.

Services: Abstract of Title Search & Title Charges, Appraisal Fee, Attorney fees, Document preparation, Notary Fees
Transaction Costs: Assumption fees, Broker fees, Credit reporting fee, Escrow account deposits, Escrow Fees, Loan Origination fees, Points or commissions, Settlement or closing fees
Inspection Fees: Lead based paint inspection fee, Termite inspection Fee, Other Inspection fees
Insurance: Flood insurance Fee, Hazard insurance, Mortgage insurance application fee, Title insurance
Payments: Interest, Cash payments


There are no legal standards for initialing. However, the purpose of an initial is to have an abbreviated way of writing your name in a document.

Andrew B Clay Sr.
His initials could be ABC, or ABC Sr. Which is better?

Some lenders don’t want a Jr., or Sr., on an initial.
However, if it is part of the signers name on Title, then it is part of their name.
The initials for Junior would be Jr. Therefor in my opinion, it should be part of the initial representing the forth word in the name.

What about Andrew Hooper III
I would have him initial AH III

There is no way to shorten the III part. But we don’t want to confuse him with his father and grandfather who might have been on title, so we will include the III unless asked by the lender not to. There are pros and cons in the different ways of initialing. Be thorough unless asked not to be by the lender.


Parties involved in a loan
Many notaries don’t realize how involved the loan process is, and how many parties there are involved. So, if you make a mistake signing a loan, you might be inconveniencing more parties than you think. Here are a few:

Notary Public
Relatives of the Borrower
Signing Company
Settlement Agent
Escrow Agent
Insurance Companies
Loan Servicing Companies
Loan Holding Companies who purchase the loan from your lender (at great risk)
County Recorders
Oh… I almost forgot — the pets of the borrower

If your stamp was smudgy
If your stamp (notary seal) isn’t clear on notary certificate forms, recorded documents might be rejected by the county recorder. If there are cross-outs, or anything that the recorder doesn’t like, they might reject the document as well which would mean that the notary would have to notarize the document all over again which is very time consuming and involves scheduling. Each county recorder is different and there are over 5000 different county recorders throughout the United States!


Attorney in Fact wording
If Sam Smith is signing in his capacity of Attorney in Fact for Sharon Smedley, how would he sign? There are at least two ways: Here they are.

(1) Sam Smith, as attorney in fact for Sharon Smedley (I like this way best)
(2) Sharon Smedley by Sam Smith, her attorney in fact (ambiguous as to who you are in the signature)

Memorize the wording including the commas if you want to pass our phone test!


Fraud & Journals
Not all states require you to keep a journal, but for your protection you need one regardless of what your state says. No state forbids you from having a journal. In your journal you record the date & time of notarization, type of notarization, document name, document date (if any), signers name and address, type of ID used, ADDITIONAL NOTES where you record anything unusual about the signing, or if you used credible witnesses, the signature of the signer, and a THUMBPRINT.

Quick Facts:
(1) If a signer is accused of committing fraud. OR, if a third party is accused of tricking a signer to sign something or of forging a signature, then the thumbprint in your journal could keep protect you.
(2) The thumbprint could stop an investigation in its tracks since you have evidence
(3) A thumbprint could drastically reduce the time involved in an investigation or court case. Imagine being stuck in court for 30 days with no income because you did a risky notarization for an elderly lady in the hospital who was on morphine and couldn’t think straight.
(4) Warning — beware of notarizing the elderly. Make sure they understand what they are signing and can paraphrase what is in the document for their protection and yours. You are not legally required to understand the contents of the document, but they can get into huge trouble, and drag you into the trouble if they are being tricked into signing something — especially a power of attorney or deed.


Spouse not on loan?
This question is very state specific. New York deals with spousal issues differently.

As a general rule, if the spouse is not on the loan documents, they might need to sign any Deeds including the Deed of Trust, (Mortgage), Right to Cancel, Truth in Lending, Correction Agreement, HUD, and perhaps a few others.


Define beneficial interest
If a party is a beneficiary to a document being signed, they would have beneficial interest. But, who else might have beneficial interest too? If you are a relative of the signer such as a spouse or child, you might benefit from the document being signed. If you are a notary who won’t get paid unless the document is signed, then you have beneficial interest in the document being signed which is illegal. To keep it legal, make sure you get paid regardless of if a document gets signed to keep yourself impartial and above board. A notary’s job is not to notarize, but to say NO when necessary. Stand in front of the mirror and practice saying NO!


What is the difference between e-documents, e-signings, and e-notarizations

e-documents are documents that are sent to the notary electronically via the internet. A password and various types of downloading software would be necessary for e-documents as well as a high speed internet connection and a fast printer with good ppm.

e-signings are signings typically signed on a laptop with a wireless card. Some of the documents are still physical, and the journal used is physical.

e-notarizations require a special eNotary commission. Only about (9) states have such a commission. The signer is still required to appear before the notary in all, or almost all cases (varies over time and state by state — AZ at one point had some exceptions to the personal appearance law). ENJOA or an eJournal is used for e-notarizations. Unfortunately, county clerks offices are not always able to fulfill their legal obligation to be the custodian of eJournals after a notary’s commission is over. An interesting twist on some new technology that has many serious issues.

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Notary Public 101 from 123notary

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March 15, 2012

Electronic Notary Journal Information

Electronic Notary Journal Information 

It is legal and possible to become an e-notary (electronic notary) in many states.  All electronic notaries need an e-journal or electronic journal, and e-seal (electronic seal), and online e-documents to notarize.  Please note that personal appearance of the signer is required, so you can not do any remote notarizations using this technology according to current notary laws in 2011 / 2012.
The NNA used to be one of the most robust organizations at promoting e-notarizations, but they abandoned their ENJOA electronic journal program back in 2009.  They might still have information about where to point you, but it is unclear at this time.  Although the concept of e-notarizations and e-notaries is very interesting, hardly any notaries are actually commissioned to do this type of work.
Here is a site that sells Notary Journal Software for e-notarizations
There was another site called the notary shop, but their site didn’t pull up.
You are also encouraged to ask your state notary division where they recommend getting an electronic journal if you are already an e-notary.
Here is a list of states that we do NOT have information about in terms of e-notarizations.  We assume these states don’t allow e-notarizations.
Alabama, Alaska, Arkansas, Delaware, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Vermont, Washington, West Virginia, Wisconsin, Wyoming.

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The pros and cons of eNotarizations

10 points on eNotarizations


January 21, 2011

Notary Public Virginia e-notary Rules

Notary Public Virginia e-notary rules

The information in this blog entry is based on information derived from the Virginia Secretary of the Commonwealth’s Notary Division website on the page indicated above.

Here are a few quick notes about Virginia e-notary rules
(1) Signers must personally appear before a Virginia e-notary to get an e-notarization.
(2) A separate registration or commission is necessary to be a Virginia e-notary, and the same exact name variation must be used on both commissions.
(3) There is no additional education required to become an e-notary in Virginia beyond the education required to become a conventional notary.  However, you are advised to be an expert on the Virginia notary handbook and to educate yourself and be trained in the electronic process of notarization. 
(4) There is a quick application form to become an e-notary in Virginia, and the form is on the Secretary of State’s website — use the link above.
(5) A Virginia electronic notary commission expires when your regular notary commission expires.
(6) The state of Virginia can produce electonic evidence that an e-notarization is authentic with a certificate of authority. Please see the official wording of this certificate near the bottom of this entry. There is a fee for this certificate as with any other authentication.
(6) The Virginia Notary Division (c/o Secretary of the Commonwealth) gives some of the most comprehensive information about being an e-notary of any of the states.  Once the e-seal is affixed to the electronic document, the document is rendered tamper evident as unauthorized attempts to alter a document will be evident and obvious to involved parties.  This statement is very interesting. Many of us fear the e-notarization process as we fear it might be less secure as we don’t understand it or feel accustomed to it. But, in reality, paper documents are easy to tamper with, while secure e-documents might not be so easy to tamper with.
The Virginia e-notarization process: step by step
(1) The signer signs their electronic signature on an electronic document, and then signs the notary’s e-journal. 
(2) The notary affixes their electonic seal and signature to the electronic document after it has been signed.  

Note: An e-signature might start with you logging in with a password, and then clicking a submit or accept button.  (Digital signature pads are also sometimes used – but weren’t mentioned in the information on the page we linked to above)
The future requirement of personal appearance
Personal appearance is currently required for e-notarizations, but the state says, “At present, yes” to this requirements and says, “not yet” for taking acknowledgments via audio/video conferencing which implies that one day personal appearance might not be required.
Certificate of Authority for an Electronic Notarial Act
I, __________________ (name and title), certify that _________________(name of electronic notary), the person named as Electronic Notary Public in the attached or associated electronic document, was commissioned as an Electronic Notary for the Commonwealth of Virginia and authorized to act as such at the time of the document’s electronic notarization.
To verify this Certificate of Authority for an Electronic Notarial Act, I have included herewith my electronic signature this ______ day of ___________, 2011
(Electronic signature and seal of commissioning official)


January 14, 2011

Don’t ask for a review at the wrong time

Filed under: Popular on Facebook (A little),Reviews — Tags: , , — admin @ 12:14 pm

Notaries are notorious for doing the wrong thing at the wrong time. Title companies are even worse when sending e-documents is concerned. How can the world keep spinning around on schedule while everybody on earth is so uncoordinated?

When, I lecture Notaries about how they need to ask for reviews, the timing is very important. Some ask too many people at once and then don’t do it again for three years. They’ll have three reviews on the same date that look like they wrote them. Take this advice instead. See how it’s done.

BORROWER: Gee, I love your work. You are the best Notary we’ve ever had!

NOTARY: Really? … I mean, thanks. Nobody has ever said that to me before.. I mean — I get that all the time.

BORROWER: Oh. Well, you explained everything to us nicely, showed up on time, and didn’t discuss politics like that “other” Notary who talked for two hours about how he didn’t like Obama-care.

NOTARY: Hmm. Well, it’s either that or Trump-care, whatever that is. By the way, 123notary has a review feature that’s easy to use. If others see that I have a realistic review or two on my profile, that would help so much. Would you mind writing a quick review for me? I can email you a link to my review page.

BORROWER: Sure, just don’t sell my email to an outsourced service abroad or Trump will tax you. My email is

NOTARY: Got it. I will send you an email right now from my i-phone.

BORROWER: I bet Jeb Bush wants to put implants in those i-phones.

NOTARY: Actually, it is Obama who’s Obama-care manifesto of hundreds of pages who discussed implants. The senators didn’t read that part carefully or they probably wouldn’t have voted for it.

BORROWER: Between Trump and Ahmedanijan, I think we’re all doomed.

NOTARY: I agree. I just can’t believe that “other” Notary would bring up these topics at a signing though.

BORROWER: Ooops, just got an email. There it is…. let’s click on the link here. Yes, we just can’t figure out why he would be the one to bring up politics at a signing, especially at a signing where both signers have been registered democrats since we were of voting age — actually, card carrying registered democrats. Why, we wouldn’t vote for a republican if you paid us to, or offered us a break in our tax bracket. Hmmm. Let’s write something in the review. It wants my name, email, and a comment. Okay…

“Sam the Notary was excellent. He showed up on time and explained everything to us. Thank God he wasn’t like that ‘other’ Notary who showed up late and then had the audacity to discuss politics throughout the entire signing. Good God!”

BORROWER: Okay, your review has been published. Just wait for Jeremy to approve the message and it will go live.

NOTARY: How do you know the process?

BORROWER: Well, it’s a long story. You see my psychic whose name is Sam also told us that a Notary would come to our house. Sam the psychic is also a registered democrat by the way and swears by Obama-care. Anyway, he told us the entire procedure. We were just relieved to know that a Notary who was helpful would come to rescue us. I just loved your service. In fact, I love it so much, I wish Obama would create a new system called Notary-care.

NOTARY: Hmm. That sounds good. Like a dental plan. You pay every month, get penalized if you don’t pay, and then you can use a Notary who is on the list of acceptable Notaries, but you have to make a co-payment, and fill out twenty forms. I agree. That would make the world easier, and a better place, not to mention reducing the chance of Notaries getting involved in political discussions with borrowers.

BORROWER: Yes. And you know what’s funny? The Notary before that “other” Notary also had the nerve to discuss politics with us. What is it with these people?

NOTARY: I’m not sure, but I’m going to email Jeremy to add a new field on his database. A new search function where you can choose the political affiliation of the Notary. For you, I really feel you are better off with a democrat who doesn’t discuss politics at the signing.

BORROWER: My sentiments exactly.

COMMENTARY: On the other hand, if the borrower doesn’t praise your Notary work. Don’t bother them asking for a review because it won’t happen!


You might also like:

123notary’s comprehensive guide to getting reviews

5 or 6 reviews doubles your business


November 29, 2010

12 Points On e-Notarizations

e-notarizations information

Each state has different standards for e-notarizations. Please remember that e-documents and e-signings are completely different from e-notarizations. Here are some points about e-notarizations that are interesting.

(1) To do e-notarizations you need a special authorization from your state, and not all states allow this. The rules are completely different for e-notarizations and the types of documents you can notarize are limited as well.

(2) LindaH in our forum stated on 1-05-10 that the NNA is no longer supporting the ENS program (Electronic Notary Signature). There were technical challenges offering that particular technological product. There are no unified standards for e-notarizations which was part of the problem.

(3) ENJOA is an electronic journal. e-Notarizations require the use of an electronic journal and can not be completed with a regular journal. e-signings use a regular journal by the way.

(4) BobbiCT claims that in Connecticut that multiple documents can serve as “originals”. He states that physical documents can be scanned and used as electronic documents that receive an e-notarization.

(5) Many states do not allow a recorded document to have an e-notarization. Recorded documents are often documents effecting real property which is too critical to risk security issues relateing to e-notarizations.

(6) Its common for states to set up e-notarization legislation years before the first e-notarization is completed and years before the first e-notary is appointed in their state. States are thinking ahead. The problem is there can be many bugs in the new systems that are in place which make e-notarizations potentially less secure than “brick and morter” notarizations.

(7) Biometrics can be used on e-signatures on e-notarizations to record the speed of the various strokes involved in a signature. This is one excellent way to deter fraud. Its easy to forge a signature, but no fraud would be able to figure out what the speed of each stroke of the signature would be for a particular individual. There are too many strokes involved.

(8) An e-journal is required for all e-notarization acts. To get an e-journal, you would need to set up an account with a company who provides an e-journal system. You would probably need a login and password to use your journal, and god forbid if the server went down.

(9) 123notary doesn’t know of any particular notaries who have done an actual e-notarization. It sounds like fun though.

(10) LindaH claims that many borrowers she had talked to would not be thrilled if they were asked to be involved in an e-notarization.

(11) LindaH claims that its the state governments that are not prepared to handle e-signatures.

(12) Perhaps private industry and title companies might be ready, but if the county recorders can’t handle e-notarizations, then they can’t be used for recorded documents such as deeds, etc.

You might also like:

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The pros and cons of eNotarizations


September 27, 2010

Pricing formulas for mobile notary work

This is an area that all traveling notaries need to be an expert on. When a hotel in Vegas rents rooms during the slow times, they charge around $80. But, when things speed up, the same room could be $300, right? Notaries need to think like this. If someone wants you to travel 20 miles in rush hour, charge one fee. If someone wants you to travel 20 miles to do a slow signing at the end of the month when time is in short supply, charge a higher fee. If the job is on a slow day when there is no traffic, you can charge less if they don’t like your regular price for traveling notary work.

What you charge is up to you, but here are the components you should use in a pricing formula for traveling notary work.

(1) Time spent
(2) How valuable the time is when the job is assigned, i.e. end of the month, time is more valuable as there are more jobs.
(3) e-docs, extra fee
(4) Unknown company? Charge a bit more to compensate you for your risk.
(5) Miles – charge based on how far the job is and how long it will take. Windy mountain roads take longer than open freeways, and Los Angeles traffic takes longer than Oklahoma traffic.
(6) Pickup and delivery of documents. Charge for your time.
(7) Does the company cancel a lot? Charge extra.
(8) Are you desperate for work? Charge less.
(9) Three or more signers on loan? Charge more.
(10) Eight or more notarized signatures or a really long loan package? Charge more.
(11) Company owes you more than a few hundred dollars? Turn the job down until you get paid.
(12) Company has a bad reputation for not paying notaries? Decline the job.

Your exact fee for each act is up to you, but the forementioned twelve points are what you need to think about. Here is what I recommend.

Basic signing: $75-$125. Adjust based on how busy you are.
E-documents: $25-50 per double set. Adjust based on how busy you are.
Pickups: $40 extra. Could include some waiting time.
Dropoffs: $30 extra. There is less waiting dropping off.
Reverse mortgages: $125-$175. These are time consuming and long.
Piggy backs: $100-$150. These are long, but not always time consuming for traveling notaries.
Travel fee for mobile notary work: $35-$75 depending on what time it is, how far you are going, etc. Jail, hospital, and late night jobs should be billed on the higher end of the scale, while close daytime jobs should be billed on the lower end.

Please read our hospital blog for pricing information about hospital jobs.

Please share your opinions.

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