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August 26, 2015

Do you use a Notary embosser?

Filed under: Technical & Legal — Tags: , , — admin @ 11:07 am

I read a discussion on Linked In about using an embosser for Notary work. I realize that I used to write about this a lot long time ago. Perhaps it has been since 2010 or 2011 since I have written about using an embosser. Here is what you need to know.

(1) Each state has its own rules about using seals and embossers. Some states don’t even require using a Notary Seal. I personally feel that it is not professional for a notary not to use a Seal and a Journal for all transactions regardless of what their state’s standards are. I have not heard of a state prohibiting the use of seals and or journals, although many make it optional. If you need to query a critical record for a Deed for a million dollar property, that will be impossible if you don’t keep a sequential journal!

Some states allow the use of a secondary non-inked embosser. Ask your state notary division if your state allows this. California allowed the use of an inked seal, and supplemental use of a non-inked embosser when I was a California Notary Public. As a general rule, if you are allowed to use an embosser as a primary seal, it must be inked. However, I recommend using it as a secondary seal because it doesn’t fit in small places, the text is round and hence harder to read, etc.

(2) Embossers help to deter fraud.
The correct use of an embosser as a secondary notary seal is to emboss each page of every document you notarize. That way frauds will think twice about switching pages after the fact which is a common crime.

(3) Embossers help to identify fraud
If someone is stupid and decides to commit fraud by Xeroxing a notarized document, the embosser’s three dimensional raised impression will not show up in the photocopy. Additionally, if a page is swapped, you can easily identify that page by its lack of an embossed impression

(4) Embossers don’t deter fraud unless you use them on every page of every document you notarize. If you get an embosser later in your career, make a notation in your journal of the date when you started using it, and keep notes in subsequent journals of when you started using it. The notes go in the COVER of the journal where you can’t miss it. That way, if any of your notarizations are investigated, you will have easy to query records of when you were using an embosser and when you weren’t. And remember, if you only use it on some documents, if a fraud is committed, you won’t remember if you used your embosser or not, so use it on every document and on all pages, no matter how many pages.

(5) Some people like to put the embosser through all the pages of a document all at once at a particular part of the document. This technique would make it obvious if someone used a forged embosser after the fact. The location and nature of the impression of the embosser would be different and lighter on each page that it went through. I didn’t use this technique because the impression would not be legible if it went through more than several pages. I did each page separately. Some notaries even put the embosser at the edge of the paperwork so only half of the embosser’s seal goes through the paper and the other half goes through air.

(6) The NNA and other notary supply companies can help you purchase an embosser. They cost around $30 when I was a Notary. They might be more now. You might need a letter of authorization from your state notary division to purchase one. Good luck!

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March 7, 2025

When Do You Need to Notarize Every Page of a Document?

Filed under: Comprehensive Guides — Tags: — Tom Wilkins @ 12:00 am

Proper notarization is crucial when handling important legal, financial, or real estate documents. Many homeowners and business owners wonder, “Do you need to notarize every page of a document?” The answer depends on the type of document, state laws, and specific requirements from the receiving party. In this article, we’ll break down when notarizing every page is necessary and how to ensure your documents meet legal standards.

When Do You Need to Notarize Every Page of a Document?

Not all documents require notarizing every page. A notary public notarizes a document’s signature, not each page. However, there are situations where notarizing every page is required. Below are some common scenarios where full-page notarization might be necessary.

1. Legal or Court-Mandated Requirements

Certain legal documents, such as affidavits, contracts, or sworn statements, may require each page notarized to prevent modifications or tampering. Some courts or agencies may also demand that every page carry a notary seal to confirm authenticity.

2. International Document Requirements

Suppose you are sending documents to another country for business or personal transactions. In that case, the receiving country may require notarization on each page. Many foreign institutions and embassies insist on notarizing every page to validate the document’s legitimacy and prevent alterations.

3. Real Estate Transactions

Lenders or title companies may request notarization on every page for property-related documents such as deeds, loan agreements, and mortgage papers. This is done to ensure each section remains intact and to avoid disputes over missing or altered content.

4. High-Value Business Contracts

Companies may require every page notarized when signing business agreements, especially those involving large sums of money or long-term commitments. This extra step helps confirm that all parties agree to the full terms of the contract and reduces the risk of fraud.

5. Multi-Page Wills and Trust Documents

While most wills and trusts only require notarization on the final signature page, some attorneys may advise notarizing every page to avoid legal challenges. This is especially important when multiple witnesses are involved.

How to Know If You Need Full-Page Notarization

If you’re unsure whether you need to notarize every page of a document, consider the following steps:

  • Check with the recipient – Ask the agency, court, or institution receiving the document if full-page notarization is required.

  • Review state laws – Some states have specific requirements regarding notarization, especially for legal or real estate documents.

  • Consult a notary public – A professional notary can guide you on best practices and determine whether full-page notarization is necessary for your case.

What to Expect When Notarizing Every Page

If you need to notarize every page, be prepared for additional costs and time. Notaries may charge per notarization, and multiple pages can increase fees. Additionally, some notaries use an embossed notary seal or stamp on each page. In contrast, others attach a separate notarial certificate for each notarized section.

Tips for a Smooth Notarization Process

  • Bring a valid ID – Notaries must verify your identity before notarizing any document.

  • Ensure all pages are complete – Missing information can delay the notarization process.

  • Ask for a digital or hard copy – Some institutions require notarized documents in specific formats.

Notarization Done Right: Avoid Costly Mistakes

So, do you need to notarize every page of a document? The answer depends on the document type, recipient requirements, and state laws. In most cases, only the signature page needs notarization. However, full-page notarization may be necessary when dealing with legal contracts, international transactions, or high-value agreements. If you need guidance on proper notary signature dates and document authentication, consult a professional notary to ensure compliance.

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January 10, 2025

Top Reasons a Notarized Document May Be Rejected

Filed under: Notary Mistakes — Tags: — Tom Wilkins @ 10:37 pm

Notarized documents play a crucial role in the fast-paced world of real estate transactions, legal agreements, and business operations. However, even a seemingly well-prepared notarized document can sometimes get rejected, causing delays and frustrations. Understanding why notarized documents get rejected is essential for homeowners and business owners who rely on these documents for critical transactions. Below, we’ll explore the top reasons for rejection and how to avoid them.

1. Missing or Incomplete Information

1.1 Blank Fields

Leaving blank fields in a document is a common reason for rejection. Notaries are required to ensure that the document is complete before notarization. Blank spaces can raise concerns about potential fraud or unauthorized alterations.

1.2 Incorrect Names or Details

The names on the document must match the names on the signer’s identification. Even a minor typo, such as a misspelled name, can lead to rejection.

2. Invalid Identification

A notary must verify the signer’s identity using government-issued photo identification. The notarization may be deemed invalid if the ID presented is expired, damaged, or does not meet state requirements.

3. Absence of Notary Seal or Signature

The notary seal and signature are fundamental to a notarized document. Missing either of these elements can result in immediate rejection. In some states, an embosser or stamp is required in addition to the seal, so it’s important to ensure all local requirements are met.

4. Incorrect Notary Certificate

4.1 Wrong Type of Certificate

Depending on the type of document being notarized, the notary must use the correct notarial certificate, such as an acknowledgment or jurat. Using the wrong certificate can invalidate the notarization.

4.2 Errors in the Certificate

Mistakes in the notarial wording, such as incorrect dates or locations, can also lead to rejection. This is particularly important for documents used out of state or internationally, where specific language may be required.

5. Signature or Date Issues

5.1 Unsigned Document

Unless state law specifies otherwise, a notarized document must be signed in the notary’s presence. A document signed beforehand is likely to be rejected.

5.2 Backdated or Postdated Signatures

Notaries cannot backdate or postdate a document. Doing so can void the notarization and lead to legal penalties.

6. Non-Adherence to State Laws

Each state has unique notary laws. If a notary fails to follow the specific regulations of their state—for instance, requiring witnesses in addition to the notary—the document may not be accepted.

7. Lack of Proper Witnesses

Certain documents, like deeds or wills, may require witnesses and notarization. If these witnesses are absent or fail to sign, the document can be rejected.

8. Fraud or Coercion Concerns

Notaries ensure that the signer is signing willingly and not under duress. If there are signs of coercion or fraud, the notary may refuse to proceed, and the document will not be valid.

How to Avoid Rejection

Understanding why notarized documents get rejected can save you time, money, and frustration. To minimize errors:

  • Double-check all information for accuracy.

  • Ensure all required fields are filled.

  • Present valid and acceptable identification.

  • Work with an experienced notary who understands state-specific requirements.

You can check how to properly notarize a document for a step-by-step guide on ensuring your documents meet all necessary criteria.

Save Time and Avoid Frustration

Whether you’re a homeowner closing on a property or a business owner finalizing a contract, a rejected, notarized document can disrupt your plans. By addressing these common issues upfront, you can avoid delays and ensure your documents meet all necessary legal standards. You can complete your transactions smoothly and confidently with proper preparation and the right notary.

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December 20, 2024

Understanding State-Specific Notarization Laws

Filed under: (2) Technical and Legal — Tags: — Tom Wilkins @ 12:00 am

Navigating the world of notarization can be daunting, especially when state-specific requirements come into play. As a homeowner or business owner, ensuring your documents meet state-specific notarization requirements is vital to avoid delays or legal complications. This blog will explore the essentials of state-specific laws, helping you better understand how they impact notarization and why working with a knowledgeable notary is essential for seamless transactions.

Why State-Specific Notarization Laws Matter

State laws govern the notarization process, meaning what’s valid in one state may not hold in another. Each state establishes its own rules regarding identification, document types, and allowable notarial acts. For homeowners and business owners, these differences can significantly affect property transactions, contracts, and agreements.

Common Variations in Notarization Laws

1. Acceptable Identification

Some states, such as California, have strict guidelines about which forms of ID are acceptable for notarization. Others, like Florida, allow using credible witnesses in cases where a valid ID is unavailable. It’s important to verify your state’s rules before scheduling a notarization.

2. Notary Seal and Certificate Requirements

States vary in their requirements for notary seals and certificates. Some mandate embossers, while others accept rubber stamps. Certificate wording can also differ, emphasizing the need for notaries to use state-compliant templates.

3. Remote Online Notarization (RON)

Remote Online Notarization is becoming increasingly common, but its legality varies from state to state. Texas and Virginia permit RON for certain transactions, while other states may restrict or prohibit it.

Key Considerations for Homeowners and Business Owners

Property Transactions

Notarization laws play a crucial role in deeds, mortgage agreements, and property transfers for homeowners. A misunderstanding of state-specific notarization requirements can lead to rejected documents and delays in closing.

Business Contracts

Business owners often deal with contracts, affidavits, and power of attorney documents that require notarization. Ensuring these documents comply with your state’s requirements safeguards their validity and enforceability.

How to Ensure Compliance

Work with Knowledgeable Notaries

Engaging a notary familiar with state-specific notarization requirements can save you time and ensure compliance. They can guide you on acceptable identification, proper document formatting, and additional steps to meet your state’s regulations.

Stay Updated on State Laws

Notarization laws are subject to change. Regularly checking your state’s secretary of state website or consulting a professional can keep you informed about new developments, such as updated identification rules or expanded RON eligibility.

Ask Questions

Feel free to ask your notary if you need clarification on a requirement. Clear communication can help you avoid unnecessary mistakes and ensure a smooth process.

Avoid Common Pitfalls

Even with the best intentions, mistakes can happen. Improper notarizations can render documents invalid, leading to financial and legal repercussions. For instance, using an incorrect notarial certificate or failing to verify identity can be considered willful misconduct, which carries significant penalties. For more details, check out notaries who have engaged in willful misconduct.

Partnering for Success

Understanding state-specific notarization requirements is critical for homeowners and business owners looking to safeguard their transactions. By partnering with a knowledgeable notary, staying informed about state laws, and asking the right questions, you can avoid complications and keep your processes smooth and efficient.

When it comes to notarization, the key to success lies in preparation and compliance with state-specific rules. Take the time to ensure your documents meet the mark—because every detail matters.

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November 15, 2024

How to Properly Notarize Multi-Page Documents

Filed under: Notary Public 101 — Tags: — Tom Wilkins @ 12:00 am

Dealing with multi-page documents can be daunting for homeowners and business owners, especially when notarization is required. Knowing how to properly notarize multi-page documents for legal compliance can save you time, prevent delays, and protect you from legal issues. This guide will walk you through the essential steps to ensure accurate and legally compliant notarization every time.

Why Proper Notarization Matters?

Notarizing multi-page documents is more than just applying a stamp. It involves verifying signatures, ensuring completeness, and confirming the legal authenticity of the entire document. Mistakes, such as missing pages or incorrect certificates, can lead to rejected documents, wasted time, and potential legal disputes. Understanding how to properly notarize multi-page documents for legal compliance is essential for avoiding these problems.

Step 1: Review the Entire Document Thoroughly

Before you begin notarizing, review the entire document to ensure it is complete.

Check for Missing Pages

Ensure that all pages are present and in the correct order. Missing or misplaced pages can ensure the document is valid. Pay close attention to any missing sections that could be filled in later without your oversight.

Look for Blank Spaces

Verify that the document is free of blank spaces. Blank spaces could be altered after notarization, potentially leading to fraud or disputes. Ask the signer to fill in any blank fields or cross them out if they are intentionally left blank.

Step 2: Use Notary Certificates Properly

Usually, the notary certificate is on the last page of a multi-page document. However, this isn’t always the case; additional steps may be needed.

Attach a Loose Certificate When Necessary

If the document doesn’t have a built-in notary certificate, attach a loose certificate. Based on the requirements, choose the appropriate type, such as an acknowledgment or a jurat. Complete the certificate, including your signature and seal, and reference the document.

Number the Pages

Add page numbers to the entire document manually or with a page-numbering stamp. Noting “Page X of Y” helps verify the document’s completion and prevents pages from being altered or removed later.

Step 3: Verify the Signer’s Identity and Signatures

One of the most crucial steps in properly notarizing multi-page documents for legal compliance is confirming the signer’s identity. This process is essential for maintaining the integrity of the notarization.

Check Identification

Examine the signer’s government-issued ID to verify their identity. Make sure the name on the ID matches the name on the document. If there are multiple signers, repeat this process for each person.

Ask the Signer to Initial Each Page

Have the signer initial every page of the document. This practice helps confirm that each page is part of the original document. Initialing reduces the risk of tampering or page substitution.

Step 4: Apply Your Notary Seal Correctly

The notary seal is critical to the notarization process, especially for multi-page documents. An improperly applied seal can invalidate the notarization.

Placement of the Notary Seal

Place the seal near your signature on the notary certificate. Make sure it is clear and legible. If space is tight, use an embosser seal instead to avoid covering important text.

Double-Check Seal Details

Ensure the seal includes your name, commission number, and expiration date. For the notarization to be valid, all details must be visible. Double-check the seal’s clarity before completing the process.

Final Review and Completion

After applying the seal, conduct a final review of the entire document. Check again for missing initials, blank spaces, or incorrect details. This final step can save you from having to redo the notarization.

Ensure Legal Compliance with Every Step

Properly notarizing multi-page documents is vital for maintaining their legal integrity. By following the steps to properly notarize multi-page documents for legal compliance, you can avoid common errors and provide a reliable service to your clients. From reviewing each page thoroughly to applying the notary seal correctly, your attention to detail ensures the document’s authenticity. For more expert advice on enhancing your notary practice, please look at our social media tips for notaries.

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August 23, 2024

Strategies to Prepare for Loan Signing Increases When Interest Rates Drop

Filed under: Best Practices — Tags: — Tom Wilkins @ 12:00 am

When interest rates drop, the housing market often sees a surge in activity. Homeowners and business owners rush to refinance, purchase new properties, or tap into their equity, significantly increasing loan signings when interest rates drop. As a mobile notary, preparing for this influx is essential to ensure smooth and efficient operations. Below are some strategies to help you effectively manage and capitalize on this busy period.

Understand the Impact of Interest Rate Changes

Interest rates play a pivotal role in the real estate and lending markets. When rates fall, borrowers tend to take advantage of lower monthly payments, leading to a spike in loan origination and refinancing activities. Recognizing this trend allows you to anticipate demand and adjust your business practices accordingly to handle the increase in loan signings when interest rates drop.

Strategies to Prepare for Increased Loan Signings

Strengthen Your Network

Building and maintaining a solid network of clients, title companies, and mortgage brokers is crucial. A well-established network ensures that when loan signing volumes increase, you’re at the top of mind for those needing notary services.

  1. Connect with Local Realtors and Mortgage Brokers: Attend industry events to meet potential clients. Offer your services as a reliable notary they can count on during busy times.
  2. Partner with Title Companies: Establish partnerships with title companies. They are often the first to know when a surge in loan activity is coming, making you their go-to notary who can provide a steady stream of business.

Invest in Technology

The right technology can streamline your operations and help you efficiently manage more loan signings.

  1. Use Scheduling Software: Implement tools like Calendly or Acuity Scheduling to manage appointments effectively, avoid double bookings, and ensure you have enough time between appointments.
  2. Embrace E-Notarization: If your state allows it, consider offering e-notarization services. This can expand your client base and enable you to handle more signings, even from remote clients.

Enhance Your Skills and Knowledge

Staying updated with the latest laws, regulations, and best practices in the notary industry is vital, especially when handling complex loan documents.

  1. Take Advanced Notary Courses: Consider taking courses on loan signings, mortgage documents, and advanced notary practices. The more knowledgeable you are, the more confident your clients will be in your services.
  2. Join Professional Associations: Associations like the National Notary Association offer resources, continuing education, and networking opportunities that can keep you at the top of your game.

Optimize Your Marketing Efforts

Increasing your visibility is crucial when interest rates drop so potential clients can easily find your services.

  1. Update Your Website: Ensure your website is optimized for search engines with relevant keywords like “loan signing agent” and “mobile notary services.” Include testimonials from satisfied clients to build trust.
  2. Leverage Social Media: Promote your services on social media platforms. Share industry updates, client success stories, and tips for preparing for loan signings to engage your audience.
  3. Email Campaigns: Send an email to your existing client base, reminding them of your services and informing them of the upcoming increase in loan signings when interest rates drop.

Prepare for Long Days

Your schedule might be more packed than usual during times of increased loan signings. Preparation is key to managing your time and maintaining the quality of your service.

  1. Plan Your Days Efficiently: Map out your appointments to minimize travel time. Group signings by location to reduce time spent on the road.
  2. Maintain a Healthy Work-Life Balance: It’s easy to get caught up in the rush, but remember to take breaks, eat well, and rest adequately. A well-rested notary is a more efficient and accurate notary.

Be Prepared for Success

Preparing for an increase in loan signings when interest rates drop is essential for any mobile notary aiming to grow their business. By strengthening your network, investing in technology, enhancing your skills, optimizing marketing efforts, and preparing for a busy schedule, you can ensure you’re ready to meet the demand. Learn how the notary embosses all pages effectively for more insights into the notary process.

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August 16, 2024

Top Industries to Target for Lucrative Loan Signing Work

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

Are you a homeowner or business owner looking to expand your earning potential through loan signings? You’re in the right place. The demand for loan signing agents is skyrocketing, and certain industries to target for loan signings offer particularly lucrative opportunities. This blog post will guide you through the top industries to target for loan signing work, ensuring you make smart, profitable decisions. Keep reading to discover which sectors will maximize your earnings and how to get started.

1. Real Estate

The real estate industry is one of the most prominent sectors for loan signing agents. With the constant buying, selling, and refinancing of properties, there is a steady demand for notary services. Loan signing agents are essential in facilitating real estate transactions by ensuring all necessary documents are correctly signed, dated, and notarized. This industry offers consistent work opportunities, as yearly real estate transactions are ongoing.

Why Target Real Estate?

  1. High Volume of Transactions: Real estate deals require multiple documents, increasing the demand for loan signings.
  2. Recurring Business: Agents often establish long-term relationships with real estate professionals, leading to repeat business.
  3. Diverse Opportunities: The industry encompasses residential, commercial, and industrial real estate, providing varied job prospects.

2. Mortgage and Finance

The mortgage and finance industry is another lucrative area for loan signing agents. Mortgage companies, banks, and credit unions frequently require notary services for home loans, refinancing, and equity line agreements. The complexity and volume of documents involved in mortgage transactions make loan signing agents indispensable.

Benefits of Targeting Mortgage and Finance

  1. High-Value Transactions: Loan signings in this industry often involve substantial financial transactions, leading to higher fees for agents.
  2. Regular Workload: With fluctuating interest rates, refinancing becomes common, increasing the demand for loan signings.
  3. Industry Growth: As more people seek homeownership or refinance their homes, the mortgage industry continues to grow, ensuring a steady need for loan-signing agents.

3. Legal Services

Legal services offer numerous opportunities for loan signing agents. Lawyers, firms, and legal departments frequently require notarization for various documents, including affidavits, contracts, and settlement agreements. Loan signing agents can build partnerships with legal professionals to secure regular assignments.

Advantages of Legal Services

  1. Complex Documentation: Legal documents require meticulous attention to detail, making skilled loan signing agents valuable.
  2. Diverse Range of Documents: The need for notarization spans across various legal specialties, providing a wide array of work opportunities.
  3. Professional Networking: Building relationships with legal professionals can lead to steady work and potential referrals.

4. Healthcare

The healthcare industry also presents opportunities for loan signing agents. Medical institutions, including hospitals, clinics, and nursing homes, often require notarization for documents such as medical directives, power of attorney, and insurance forms. The demand for these services is consistent due to the sensitive nature of healthcare documentation.

Why Consider Healthcare?

  1. Essential Services: The healthcare industry necessitates precise documentation, ensuring a constant need for loan signing agents.
  2. Variety of Documents: The range of documents needing notarization, from patient consent forms to insurance claims, is extensive.
  3. Growing Sector: As the healthcare industry expands, the demand for reliable notary services continues to increase.

5. Construction and Development

The construction and development industry involves substantial contracts and agreements that require notarization. From property development to infrastructure projects, loan signing agents can find ample opportunities in this sector. The need for precise documentation and verification makes this industry an attractive target for notaries.

Benefits in Construction and Development

  1. Large-Scale Projects: Involvement in major projects can lead to high-paying assignments for loan signing agents.
  2. Long-Term Contracts: Construction projects often require ongoing notarization services throughout different phases.
  3. Industry Expansion: With continuous growth in construction and development, opportunities for loan signing agents are plentiful.

Maximize Your Earnings in These Industries Today

The future is bright for loan signing agents. Focus on industries to target for loan signings like real estate, mortgage lending, and legal services. Building strong relationships and enhancing your skills are essential for success. Visit our blog for more insights, and learn about the importance of embossing every single page in a notarized document for protection.

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August 9, 2024

Maximizing Earnings: The Most Profitable Loan Signings

Filed under: Signing Tips — Tags: — Tom Wilkins @ 12:00 am

In today’s fast-paced real estate and business environment, loan signings are crucial in helping homeowners and business owners secure the funds they need to achieve their goals. Understanding the most profitable loan signings can significantly impact your financial success. This article will explore the key factors that make certain loan signings more profitable and how to maximize your earnings through these opportunities.

Understanding Loan Signings

Loan signings are formal meetings where borrowers sign the documents necessary to complete a loan transaction. These meetings involve the borrower, the lender, and often a notary public, who verifies the parties’ identities and ensures the documents are signed correctly. The profitability of a loan signing can vary based on several factors, including the loan amount, complexity, and type.

Types of Profitable Loan Signings

  1. Home Purchase Loan Signings
  2. Home purchase loan signings are among the most profitable because they typically involve large sums of money. These transactions often require comprehensive documentation and multiple signings, leading to higher fees for notaries. The complexity of the process, along with the significant investment, makes these signings lucrative opportunities for those involved.
  3. Refinance Loan Signings
  4. Refinancing a home loan can be attractive for homeowners looking to take advantage of lower interest rates or better terms. The demand for refinance loan signings has increased in recent years, and notaries can benefit from the steady stream of business. While these signings may be smaller than home purchase transactions, they often occur more frequently, providing consistent income.
  5. Commercial Loan Signings
  6. Business owners seeking to expand operations or invest in new projects often require commercial loans. These signings can be exceptionally profitable due to the substantial amounts involved. The documentation for commercial loans can be more complex, resulting in higher fees for those facilitating the process.
  7. Reverse Mortgage Loan Signings
  8. Reverse mortgages are specialized loans for homeowners aged 62 and older, allowing them to convert part of their home equity into cash. These signings often involve detailed documentation and explanations, resulting in higher earnings for notaries and professionals.

Strategies for Maximizing Earnings

  1. Specialize in High-Value Transactions
  2. Focusing on high-value transactions such as home purchases and commercial loan signings can significantly increase your earnings. Specializing in these areas may require additional training and expertise, but the potential financial rewards make it worthwhile.
  3. Build Relationships with Lenders and Real Estate Agents
  4. Establishing strong connections with lenders, real estate agents, and title companies can lead to a steady stream of business. Networking within these industries will position you as a trusted professional, ensuring you are called upon for the most profitable loan signings.
  5. Enhance Your Skill Set
  6. Improving your skills and knowledge in the loan signing process will set you apart from the competition. Consider obtaining certifications or attending workshops to stay updated on industry trends and best practices. Additional services, such as using an inkless embosser for document verification, can also enhance your value.
  7. Provide Exceptional Customer Service
  8. Delivering outstanding customer service is key to building a successful loan signing business. Ensuring a smooth and efficient signing process will lead to repeat business and referrals, further increasing profitability.

Challenges to Consider

While the potential for profitability is high in the loan signing business, there are challenges to be aware of. Competition can be fierce, and market fluctuations may impact the demand for certain loan signings. Staying adaptable and continuously seeking ways to improve your services will help you navigate these challenges effectively.

Unlocking the Potential of Profitable Loan Signings

Understanding the dynamics of the most profitable loan signings is essential for homeowners and business owners looking to maximize their earnings. By focusing on high-value transactions, building strong industry relationships, enhancing your skills, and providing exceptional service, you can unlock the full potential of this lucrative field. Whether you’re a homeowner refinancing your property or a business owner seeking capital for growth, the right loan signing opportunities can lead to significant financial success.

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January 29, 2022

My date with Jeremy

This article was originally published in 2013.

He was striking and utterly took my breath away–like a traffic accident. I couldn’t take my eyes off of him. He had deep, penetrating gray eyes that seemed to notice everything. His shirt was the color of numbers.

We got out of the car at the restaurant. He took the ticket stub the valet handed him and scrutinized the numbers. “These add up to 33, an excellent number for business,” Jeremy noted. “I hope my good fortune extends to this restaurant as well. Let’s go in and see what’s on the menu.”

The sign above the entrance said Le Jurat.

“How did you pick this restaurant?” I asked.

“I have an algorithm for restaurants,” Jeremy said, opening the door for me.

“How chivalrous!” I replied. I was in awe of him, and I didn’t know what else to say.

“I assess the restaurant according to reviews, how they answer the phone, and zip code… and then I try the food,” he explained. “I test the food before bringing a friend here. Sometimes the reviews don’t match the quality of the service provider. In my opinion, good reviews don’t necessarily translate to good service–but I don’t know if you subscribe to that opinion, Sealia.”

As we were being taken to our table, a woman with frizzed red hair like the bride of Frankenstein ran up to Jeremy, tapped him on the shoulder, and demanded–“My password! I need my password! I can’t get in to update my page!”

Jeremy looked her in the eye and said sternly, “I’m having dinner. I emailed you your password three times in the last few months. You need to request it by email. Not now.”

I wondered exactly what the woman was talking about…and whether this man ever had any time to himself.

The decor of Le Jurat was elegant, parchment beige with traces of pink and gold, and there was no waiting line, yet the restaurant was full–an amazing combination for a Saturday night in Los Angeles. On all the tables, a little sign next to the placemats read, “Customers who subscribe to our newsletter have sworn by us…” The music playing in the background was “I Swear” by John Michael Montgomery…

“When I was choosing restaurants,” Jeremy said slyly, “it was a choice between this place and a Christian Korean place called the Hyung Moon Temple where the signature dish was Stained Glass Noodles.”

I laughed. “So tell me about this business of yours,” I asked. “What exactly do you do for notaries?”

“I provide advertising, education, and entertainment for notaries–visit us on Facebook! I also use algorithms to assess the notaries’ performance and knowledge.”

“I didn’t know Al Gore had rhythm,” I smiled and nodded.

“I didn’t know he had rhythm, either.” His phone rang. “123notary, this is Jeremy” he stated automatically.

“It’s Vicki from Hyung Moon,” he said aloud; “Sorry, Vicki, I have to cancel…I will not be able to make it this evening. I wish to rescind.”

He hung up quietly and said, “I kind of double booked…”

He was just about to smile again when the phone rang–again.

“Hullo,” screeched a voice.

“123notary, this is Jeremy.”

“Are you a notorizor?”

“I used to be a notary but I’m not anymore. Please look on 123notary. I’m the site administrator. Please call a notary on the site. Have a nice night. Goodbye.”

Again the phone rang,
but this time, he glanced at the number and said, “I’m not going to answer now because I’m with you, but I’ll have to call them back in exactly one hour and 56 minutes. That will be the best time to speak with this person who wants to take a phone test. I remember their number and the exact time they said would be optimal to call. That gives us enough time to have our meal and a dessert…before we go to FedEx to finalize the date,” he said, focusing on a tiny spot on the tablecloth.

“FedEx?” I said. “Why FedEx?”

“That’s where my dates always end–at a FedEx drop box.”

We tried to catch the waiter’s attention. “Hey–the waiter didn’t even acknowledge us!” Jeremy quipped. “Do you think our waiter will personally appear before us? I would like to order the Soup du Jurat…and a Certified Angus Burger…I like this restaurant because it’s 24 hours…although they don’t answer the phone after 11…if you want late-night service you have to call before 11… ”

I decided on the Rack of Lamb. “Is that a dual rack or a single?” I asked the waiter, who had finally appeared.

“Well, technically it’s a single rack….but we put in a separator program…so the legal size chops can go on a legal-sized plate.”

“If I don’t like the entree, do I have the right to cancel?” Jeremy demanded.

Finally the waiter delivered the food–and not a minute too soon.

“This lamb is delicious!” I said.

Jeremy ate his certified burger. “This stuff is as good as Kobe beef!” he replied.

“So what is it really like running 123notary?” I asked.

“It’s like dealing with a series of situations that never end,” he said.

“So it’s like marriage,” I said.

“That’s a good analogy. Trying to get people to do what they’re supposed to is like separating ribs. I need people to answer their phone, or write their Notes. They don’t all do it.”

“So it’s like a cross between babysitting and marriage…”

“Another good analogy! We’re really on the same page here. Would you like to have dessert at Le Venue down the street?”

“I’d love to!”

“Waiter, would you bring our settlement statement? Was my appetizer amortized over the life of the dinner?”

The waiter brought the check.

“When is my first payment due?” asked Jeremy.

“In five minutes,” the waiter answered. “The term of your loan is 45 minutes–with no accrued interest. The final payment is due tonight as well.”

“Is my APR different from my rate?”

“They are the same–due to the fact that we are not adding finance charges to your transaction,” the waiter explained.

“I see your point.”

“There are no points– because points would be considered finance charges–and no origination fee,” concluded the waiter.

“This conversation is completely irrelevant, considering there is no security instrument,” said Jeremy.

The waiter returned with the credit card statement.

“What color ink would you like me to sign with, black or blue?”

“Either. Just as long as you are personally appearing before me, I can accept your signature…but I could give you an oath…because I saw you were raising your right hand as you were trying to hail me,” the waiter replied.

“Shall we leave?” I asked Jeremy.

“Let’s go,” he said.

We walked down the street to Le Venue, a Restaurant for Notaries, for dessert.

“What county are we in?” Jeremy asked the hostess.

“Why do you need to know?”

“You always need to know what county you’re in when you fill out a venue. You’re not a notary, are you?” Jeremy told the hostess.

“Is everyone here a notary?” he asked the waiter.

“Pretty much…except the hostess,” the waiter replied.

I noticed the placemats read, “State of California…”

We looked at the menu anyway, even though we were only there for dessert…and saw “Roast Seal with Ink.”

Jeremy considered the mousse for dessert…

“What county is the mousse from?” Jeremy asked.

“It’s not from a county, it’s from a province, sir” the waiter replied.

“Can we get an Alaskan mousse?” …

“How about this dessert made with oreo cookies– what a great raised seal they have!” I suggested.

“Does the seal on the embossed cookie have an expiration date?” Jeremy asked.

“It doesn’t expire until 2015,” the waiter attested.

“How about the analytics dessert? It’s a graph… It’s in the form of a pie graph…”

“Oh, I can’t eat a whole pie…” I said.

“Well, most of the pieces are missing…the anayltics weren’t very good…” Jeremy pointed out.

Jeremy got the mousse, and I asked for the Locus Sigilli Sundae.

“Today is Friday. Do you serve the sundae today–or only on Sundays and federal holidays?”

“We serve this sundae with the oreos every day, sir,” the waiter replied.

The food was perfect.

“I can’t finish my dessert,” I said. Can you finish it for me?” I asked.

“I think we have to get a power of attorney for me to finish your dessert,” Jeremy replied.

On the way out, he went up to the hostess and asked, “Can you validate us?”

“You’re a very nice person,” she told him, smiling.

“No, I mean stamp our parking receipt…Can I stamp it myself? I’m a notary; that’s my thing. Can I backdate it? We’ve been here quite a while…”

“No, sorry sir, we don’t allow that…”

“I enjoyed eating the date stamped on my oreos…” I said, wondering what to expect next.

“I enjoyed eating my mousse…but I would have enjoyed it more if the antlers hadn’t been crushed by the car that hit it in the dark, ” Jeremy laughed. “Can I take you home?” Jeremy asked softly.

“No….just drop me off at the FedEx drop box.”

Tweets:
(1) “Waiter, would you bring our settlement statement? Was my appetizer amortized over the life of the dinner?”
(2) The waiter brought the check. “When is my first payment due?” asked Jeremy.
(3) “Does the seal on the embossed oreo cookie have an expiration date?” Jeremy asked.
(4) The notary asked, “Can I get an Alaskan moose with Russian dressing. They’re our next door neighbors!”
(5) Running 123notary is more like babysitting than you think,
“Did you update your listing? Did you update your notes? Did you renew yet?”
(6) “FedEx?” I said. “Why FedEx?” “That’s where my dates always end–at a FedEx drop box.”
(7) Running 123notary is like a cross between babysitting & a marriage. A bunch of situations that never end!

You might also like:

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

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

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January 23, 2022

The Notary, The Mafia & The Fedex Drop Box

This was originally published many years ago.

An uneventful signing
It was a gray Monday afternoon in the first week of November. Kary went to her signing with the Thompsons. They signed the documents without too much reading or complaining. Kary had one other signing after that. When all was done, she made her way to the Fedex drop box. She had a habit of always going to that same drop box. It was near her home, and it felt like a safe place to go at night, being a single woman.

Luckily for her she was nowhere near the San Diego mayor’s office.

The Sopranos were en route to the same location she was
This poor woman’s luck — she ran into someone who was still mourning the loss of the great James Gandolfini AKA Tony Soprano. He was such a fan of the show that he decided to pull a mafioso type move on this poor unexpecting woman. This thug Tony Baritone had been in the drug trade for years, but wanted to step it up a notch. His old M.O. was meeting for the swap in a dark alley, giving them the briefcase, taking the package — you know the drill. But, he wanted to do it more like they do in the movies this time. This was his first attempt at simulating the panache of his television alter-ego.

Just about to drop the FedEx and…
So, this woman was just about to drop her package in the box. Her finger was on the handle of the box. She noticed a large garbage backing up about 50 feet away. She disregarded the truck whose distinctive oder was wafting her way. She put the Fedex in the Fedex drop box, and then proceded back to her car. The garbage truck nearly ran her car off the road as she left her parking space. It was so abrupt, she stopped the car to get out and see what this maniac’s problem was.

The garbage truck backed up
The truck had backed up almost into the Fedex box, and had jaws that clamped the Fedex drop box and tore it from its bearings and lifted it into the truck. The woman started screaming, “What are you doing? Are you crazy?”

Blonde #2 appears
Then another blonde lady appeared out of nowhere who looked almost exactly like the notary. She was the same age, same hair color, and same height, and also had a Fedex package that she wanted to drop. The other lady looked very puzzled. She said to herself, “Wait a second, my instructions were to put the Fedex in the drop box and leave — but, that truck just took the Fedex drop box away!” Blonde #2 (also an unnatural blonde) was unbeknowingly carrying $10,000,000 in drug money that she was to deposit in the Fedex box — which was to be removed by the garbage truck. But, their plan got foiled.

We have to get rid of the witness
The driver said to his friend, “We have two problems — the money is not in the Fedex Box, AND, there’s a witness. We need to get rid of the witness, but I can’t tell them apart.”
His friend said,“You have to look for the roots, real blondes have roots — our blond is a real blonde!”
Driver: “No she ain’t, I’ve seen the broad before, she has a different hairstyle every several months”
Friend: “So, you can tell the two chicks apart!”
Driver: “Not from this distance without my glasses. Let’s get my money first. The broad with the package has the money.”

The mafia chases the blonde
So, the driver and his friend jump out of the truck (which is parked in the middle of the boulevard) and run towards the blonde with the Fedex. The irony is that she doesn’t know that they are the intended recipients of the package because her instructions were only to “Put the Fedex in the drop box”. So, she runs away from these scary people — who are actually her boyfriend’s best friends, and the ones who gave the $10,000 to her boyfriend to pay her to do the drop. Meanwhile the notary lady decides to chase after these scumbags to get them to give her package back.

She loses them and then finds them
In the heat of the chase, she loses them, and then finds them again. The other blonde escapes from these thugs, finds the drop box in the back of the garbage truck, puts it in, and runs away. Meanwhile, notary lady catches up to the thugs, and throws her embosser at them — leaving a raised seal of disapproval (in the form of a bruise) on the now unconscious mafia garbage truck driver’s left temple. The irony of the story is that the character with the concealed weapon is not one the mafia characters, but is the notary who was carrying a stainless steel embosser.

The Notary recovers the loan docs
After that, the driver’s friend ran away and the notary proceeded to the unattended garbage truck to pick up her package. She picked up the highest package in the box in such a hurry, she didn’t realize that she had picked up $10,000,000 in dirty drug money. She gets in her car and drives off with her “loan docs” finally in her possession again. She calls the signing company and lets them know about the problem. Then, she proceeds to her nearest staffed Fedex station — where there won’t be any garbage trucks (let’s hope). She pats the package in glee to have gotten it back after a small altercation. But, she notices a distinct bulge in the package that didn’t feel like loan documents.

But, what she had was not really the loan docs after all
The five seconds after she realized that her loan documents were not in her possession, she saw a large garbage truck driving down the street.

Mental note to self: “Take out the garbage”

Tweets:
(1) A notary bumps into Toni Baratone at a FedEx drop box
(2) The garbage truck tore the FedEx drop box from its bearings and took it away!
(3) “We need to get rid of the witness, but I can’t tell the 2 blondes apart”
(4) The Notary takes $10 million in drug money to the Title company by accident.

You might also like:

The Flo-tary and the name your price tool
http://blog.123notary.com/?p=16194

Notary aptitude test
http://blog.123notary.com/?p=15853

Don’t put the FedEx in the drop box
http://blog.123notary.com/?p=2831

More on Snapdocs, the Uber of the Notary industry
http://blog.123notary.com/?p=16236

My interpretation of how the Notary industry went South
http://blog.123notary.com/?p=16500

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