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July 26, 2015

10 tight points on Loose certificates

I have not written about this topic for a long time because I take for granted that Notaries are experts on the topic. In real life, it is possible that many Notaries do not know how what to do with a loose certificate. So, here are the correct steps to take.

(1) Purchase Certificate Pads from the NNA
Why the NNA? In my experience, they are the best source of 1-stop shopping for Notary supplies. They have great journals and pads. You cannot attach a loose certificate if you don’t have one, so keep them in stock and guard them with your life. Your career as a Notary rests on having the correct forms. You need Acknowledgment Forms, Jurat forms, and perhaps Copy Certificate by Document Custodian forms. Make sure the wording is acceptable according to the current laws of your state!

(2) Keep the Pads in your Notary Bag
Having the right forms is no good if you don’t keep them with you. Clients don’t want to hear the old, “I left it at home” routine. It sounds like your dog ate it. We are not in junior high anymore! Keep your law primers, journal, pads, seal, and anything else you need on you at all times and remember to keep your journal and seal under lock and key when not in use!

(3) When to use Loose Acknowledgments
If you need to notarize a document and the document doesn’t have notorial wording, it is time to use a loose certificate! If a document has incorrect notary wording for your state, you need to consult your state laws to see if they will allow out of state wording. Most states will allow out of state wording providing that the wording isn’t substantially different. If the venue or the name of the signer(s) is wrong or has an extra signer, or leaves the name of a signer out — you might want to attach a loose form.

Also See: Do you Notarize loose certificates as a Notary?

(4) Fill Out the Form
Filling out forms is not rocket science, but more than 50% of notaries omit crossing out the he/she/they and the capacity(ies), etc. If Joe signed the document, then cross out the she/they unless you know more about Joe than we do. You might cross ou the (ies) too. Don’t forget to fill out the venue, stamp, and sign the form. If your state doesn’t require a stamp, consider moving to a better state!

(5) If the Glove Don’t Match, you Must Attach!
Certificate forms must be attached to corresponding documents by law in many states. This means by staple, otherwise it will most likely be detached which could lead to a lot of confusion and potentially to law suits. You should also indicate the document name, date and length on the certificate as well as any other pertinent and identifying information about the document just in case the certificate gets separated. Many Title companies detach certificates which is completely illegal, but they don’t care because they are above the law — or think they are — or never got caught — yet…

(6) NEVER Send a Loose Jurat in the Mail
You can go to jail and lose your commission if you send a loose certificate in the mail. Lenders often ask you to just send a loose “Jurat” in the mail if the one you sent is not acceptable for one reason or another. You can request that the original document is sent back to you. That way you can destroy the original Acknowledgment or Jurat and add another one and staple it to the document. If you send a loose one, it could be attached to a different document and used for fraud, and you might end up in court.

(7) Some People Create Their Own
Some notaries who are penny foolish create their own Acknowledgment pads. You could put company branding on it to gain attention for your company. Just make sure you don’t goof as this is a legal document.

(8) Thumbprints?
Most Notaries only put thumbprints in their journals if they thumbprint at all. But, the NNA’s certificates have, or used to have (I’ve been out of the loop for a while) room for thumbprints. It looks more official for really critical documents if you get that extra thumbprint. For documents going overseas, I recommend this as foreigners think you are the best Notary in town if you give thumbprints — and embossing looks really official too!

(9) Two Certificates?
Sometimes you might need to attach multiple certificates for a single document. This is fine. One for his, and one for hers. They might even be notarized at different times. The custodian or recipient of the document might or might not like that, but it is all perfectly legal! You might have a lot of staples if you attach them at different times, but that is how the Notary business works.

(10) Jurats with Oaths
Sometimes if you are administering an Oath on a short statement, you can write the statement right on the Jurat form. In this case, you don’t need to staple the form to a document as the form includes the contents of the document as well as the Notarization. Don’t forget to have them raise their right hands and swear under Oath!

You might also like:

2014 excerpts from great notes sections
http://blog.123notary.com/?p=13613

Sending loose certificates is illegal
http://blog.123notary.com/?p=2470

What goes where in your notes section?
http://blog.123notary.com/?p=1076

What is so critical about crossing out he/she/they?
http://blog.123notary.com/?p=22223

Can a notary sign on a different day?
http://blog.123notary.com/?p=22084

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December 23, 2014

Do you notarize loose certificates as a notary?

… Are we both on the same page here?

Staple it please…
I was reading a discussion on one of the notary forums. They were talking about whether or not you can notarize loose certificates as a notary. The answer is that a notary certificate needs to be either embedded in a document (meaning that the wording is typed in a document below the body of the document,) or attached to the document with a staple.

What is a certificate?
Just to clarify, a notary certificate is a piece of paper with notarial wording on it. It might be an Acknowledgment Certificate or a Jurat. There are other types too such as Copy Certification by Document Custodian in California and other particular states. These certificates are commonly referred to as Jurats, although they are technically not necessarily Jurats as most of them are Acknowledgments.

What can happen if you don’t?
A loose certificate can easily be attached to a different document by accident or on purpose. Imagine that you notarize a Power of Attorney for someone who had several powers of attorney notaries. The wrong certificate could be added to a different Power of Attorney. In a more serious case, they might be attached to a document signed by a completely different person. Such a mistake can be easily caught, but imagine the trouble that might ensue if nobody saw the mistake!

Additional notes & thumbprints are prudent
Just to be on the safe side, it is prudent to put additional information in the certificate such as how many pages the document has, the document name and document date (if any; and which might differ from the signature date,) the capacity of the signer (not allowed to be verified by the notary in particular states,) and more! Some certificate forms even allow a designated spot for a thumbprint which I always used for international documents just to keep people out of trouble — and the foreign government workers told my clients that they appreciated the extra effort!

“…. see attached”

Illegal requests
Many companies in the loan signing business will be in a hurry to get a new “Jurat” for a notarized document if the seal was smudgy, or if they needed to have a new version of the document drafted and signed. They will commonly ask you to mail it to them which is completely illegal. You will be pressured to do so or the loan might not fund. Don’t cave into the pressure. It is your job to uphold the law no matter what horrible consequences come to your clients. Ask for the original document back, and then staple the new certificate form to the document and send it back after destroying the original certificate form. There is nothing illegal about doing a second certificate for a legitimately notarized document providing that the initial one isn’t left hanging around! Additionally, you might inform these Title company workers that their request was illegal and if they make any other illegal requests, you will report them to their state’s secretary of state! Maybe better wait until the second offense so you don’t lose the client. But, if you tolerate illegal requests, you will be encouraging the perpetrators to do it to other unsuspecting notaries who might cave in and get themselves in hot water with the state! (gulp)

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

Sending loose certificates is illegal!
http://blog.123notary.com/?p=2470

Signing agent best practices: 63 points
http://blog.123notary.com/?p=4315

Notary certificates, notary wording & notary verbiage
http://blog.123notary.com/?p=1834

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April 23, 2012

Sending loose certificates is illegal

Sending loose certificates is illegal! 

People who work at Title companies are notorious for breaking the law in so many ways.  Here are some common types of fraud that happen at Title companies daily:
(1) Many will deliberately and shamelessly forge initials when the borrower forgets to initial.  I’m not sure how bad of a crime this is, but I recommend against any type of forgery — no matter what! 
(2) Most will unstaple documents that have been stapled which makes the completed certificate which is attached (a legal requirement), no longer attached (illegal) and hence a loose certificate (gulp). I have had multiple Title companies complain to me that they didn’t like the industrial staples I used since they were so hard to unstaple.  They don’t have a legal right to unstaple those notarized documents because the certificate must stay attached.  Part of the problem with unattaching certificates, is that they could get reattached to some OTHER document creating confusion, havoc, and hence having a document notarized without having it presented to a notary public and going through the procedure and journal entry.
(3) Many will ask a notary to send them a loose certificate if a document needs to be notarized again for some reason. Sometimes the seal was smudgy, or perhaps they needed to replace the document and get a new certificate for the new document with a new date.  If you are a “loose notary” who has a loose interpretation of notary law in your state, you might be breaking the law!
 
It all starts out with a pad of loose certificates!
You start out with our pad of loose acknowledgment certificates and jurat certificates.  Any serious notary will have this type of pad on hand as if their life depends on it.  Sure, the certificates are loose now, but that is okay, since they haven’t been filled out or stamped yet!  When you notarize a signature(s) on a document(s), you have the signer(s) signer the instrument, and then you have them sign your official journal of notarial acts.  Then, you fill out the certificate wording embedded in the document, or if that boiler plate wording isn’t there, you can add a certificate form which has the identical, or hopefully very similar boiler plate wording.  You fill out the form, cross you s’s, and dot your t’s, etc.  The minute you sign the certificate, and affix your official notary seal, then you may NOT let that certificate out of your site until it is ATTACHED to the corresponding document. It is illegal to unattach a certificate from a document, and very unkosher to unattach the staple for a notarized multipage document. What are your intentions?  Are you going to swap pages after the fact?  I can smell fraud a mile away!
 
What should you the notary do when asked to send a loose certificate?
It’s easy.  Someone at a Title company says they need a new Jurat certificate for the Affidavit of Domicile you notarized for them a week ago otherwise their loan won’t go through (pressure technique).  They want you to mail the loose certificate to them!  Tell them:
 
“No problem, just send me the document and the original certificate — I’ll shred the old certificate and add a new one… You can not have two certificates for the same document. The signer already signed the journal for this particular transaction and doesn’t need to sign it again for a certificate which is to be dated the same date they signed the journal.”
 
And they will say:

“Oh, come on, why does this have to be so difficult. That takes extra time and money.  Why can’t you just (break the law) and send us what we want (and risk your commission and risk being sent to jail or being fined perhaps more than $1000) for our convenience?”
 
And then you should say:

“If you need notaries to routinely break the law for your pleasure, you should ask your notaries some pre-screening questions.  Ask them if they are willing to break the law on a whim (your whim) and risk their commission and perhaps some jail time for your convenience. Ask them if they mind risking going to jail to save you from having to wait an additional 24 hours for a loose certificate… if they say ‘sure’, then they are the notary for you!”
 
My concluding advice
Don’t break the law for these rascals. They are not worth it.  You probably won’t get in trouble, but as a notary public, your position in society is to preserve integrity, and to safeguard transactions by making sure that the signer really signed the corresponding document in question.  If certificates get switched on documents due to fraud, or because you didn’t identify the document carefully enough on the certificate, then you are a liability to society and shouldn’t be a notary public. 
 
As a notary, you should be very sensitive to the fact that if you are notarizing multiple documents for a particular signer, those documents could get mixed up, and the signer could pull a fast one and reattach notary certificates from a document you really did notarize, to another similarly named document that you did not notarize. 
 
Multi-page documents can be taken apart and pages switched.  Title companies ROUTINELY take apart documents as a matter of standard procedure, and if you don’t emboss every page of everything you notarize, it would be easy for someone to replace page 5 with another similar looking page 5.  Assume that people are dishonest and shady, so that you can protect the virtue and integrity of your work. Document everything to a tee, and don’t give in to pressure to do illegal notary acts even if it means losing a client. You don’t want that client anyway in the long run — trust me!

You might also like:

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

Signing agent best practices
http://blog.123notary.com/?p=4315

Notary Certificates, Notary Wording & Notary Verbiage
http://blog.123notary.com/?p=1834

Make your own certificate forms
http://blog.123notary.com/?p=1759

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September 9, 2018

Index of posts about Notary Certificates

Here is a quick index of our posts about notary certificates. I hope it is useful. They are in order of how useful the posts are rather than chronological order.

Notary Public 101 — certificates
http://blog.123notary.com/?p=19502

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

Do you notarize loose certificates as a Notary?
http://blog.123notary.com/?p=10372

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

What forms should a Notary keep in his/her bag?
http://blog.123notary.com/?p=20011

Optional information in acknowledgment certificates
http://blog.123notary.com/?p=4407

Sending loose certificates in the mail is illegal.
http://blog.123notary.com/?p=2470

Notary Certificate Wording section by section
http://blog.123notary.com/?p=18915

Signing Agent Best Practices 63 Points
http://blog.123notary.com/?p=4315

Notary Certificates, Wording & Notary Verbiage
http://blog.123notary.com/?p=1834

Make your own Notary certificate forms.
http://blog.123notary.com/?p=1759

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

Can you send a loose acknowledgment, you should hear the answers
http://blog.123notary.com/?p=16168

Marcy Attaches a certificate (educational comedy)
http://blog.123notary.com/?p=14447

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October 17, 2017

Notary Public 101 — Certificates

Return to table of contents for Notary Public 101.

You might also like: 10 tight points on loose certificates.

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NOTARIAL CERTIFICATES

There are certificates for various types of Notary acts. Acknowledgments, Jurats, Proofs of Execution. Some states even have certificates for Oaths and Affirmations. Let’s focus on Acknowledgment Certificates for now.

There are various parts of an Acknowledgment form.

(1) The venue. The venue is normally on the upper part of a certificate. In California now there is some verbiage in a box that I am not trained in. But, above the boiler plate wording there is a venue which documents the county and state. Is a venue the county where you did a transaction or two lines of information in a form? Both! However, the documentation of the venue is the one in the certificate and it is informally called the venue and not the documentation of the venue.

(2) The date. The date is a field the Notary is often held responsible to fill in. The date falls into the area of the boiler-plate wording of the form which is standardized wording from your state or perhaps another state.

(3) The names of the signers. As a Notary, you need to input the names of the signers or affiants into the Notary certificate if required. Sometimes it doesn’t make it clear whose name goes in the form. If it says, “Subscribed and sworn to before me by,” then after the “by” put the name of the affiant or signer otherwise you will ruin the form.

(4) The name of the Notary. The name of the Notary once again is entered into the boiler-plate wording area.

(5) Pronouns, singulars and plurals. Each state has a different wording for Notary certificates for each act. However, it is common and typical to have some sort of Notary verbiage that includes he/she/they executed the instrument, his/her/their signature(s), or his/her/their authorized capacity(ies). The critical thing here is to cross out the incorrect words and leave the correct wording. If you do a notarization for John, then cross out the her and their and the (s) assuming John only signed once. If you do a signing for Bruce Jenner then use a special form called the T-acknowledgment which says he/she/it’s complicated/they

(6) Testimonium Clause. Where it says “witness my hand and official seal,” that is called the testimonium clause. Below the boiler plate wording is the signature area where you sign and then affix your notarial seal. And by the way, “Locus Sigilli” means the location of the seal.

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CHANGES TO CERTIFICATES

Making any change on a Notary certificate is messy in my opinion. You can consider crossing out and initialing wrong information. Remember that ONLY the Notary can initial or write on the certificate forms and the signer cannot touch it. However, it is cleaner to create a new certificate using an Acknowledgment that you get from a pad that you keep your Notary bag. That way you can start all over, fill the form out correctly and then staple it to the document in question.

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ADDING LOOSE CERTIFICATES

If you notarize a document that either does not have acceptable Notary wording or doesn’t have any Notary wording (or wrong information on the form) then you might want to add a loose certificate from your pad of certificates that you purchased from the NNA (recommended). Additionally, if there is no room for your seal in some pre-existing Notary verbiage, you might be forced to add a certificate for logistical reasons.

You might also like this blog article:
Sending loose certificates in the mail is generally illegal!

If you add a loose certificate, the certificate must be filled out thoroughly. This means that in addition to the legally required verbiage, you fill out the ADDITIONAL INFORMATION section. The additional information section includes:

Document name — if you don’t put the name of the document on your loose certificate, it might be unstapled and added to a wrong document by accident or on purposes.

Document date — if you don’t put the document date, your certificate might be added to a different document with the same name by accident or fraudulently.

Number of Pages — if you put nine pages, then it will be hard for a fraud to swap the certificate and put it on a similar document with eight pages.

Other Signers — You can name the other signers on the document.

Capacities — California no longer allows this, but you can mention if any of the signers are signing as Attorney in Fact or some other capacity.

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EMBOSSERS

Cautious Notaries often use an embosser when notarizing. You can use an inked seal and also a non-ink embosser that leaves a raised seal. If someone photo copies your certificates, the embossed impression will not show up in the photocopy. Additionally, you can emboss each page of a document to discourage page swapping.

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AUTHORITY

If there is a disagreement between a Title company involved in a transaction and a Notary regarding what venue or information goes in an Acknowledgment or Jurat certificate, the Notary has absolute authority. The Notary may ask for the Title company’s preference if there are two legal ways of doing something such as crossing out and initialing vs. adding on a loose certificate if there is an error. However, it is the Notary who is legally responsible for filling out the form and it is the Notary who will end up in court if there is a problem.

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WHO TO ASK FOR HELP WITH CERTIFICATES

If the Notary does not know what to do when filling in forms or notarizing, do NOT ask the Lender or Title companies as they have a beneficial interest in the transaction AND because they are not experts in the field. The tiel rep might be a Notary, but not necessarily in your state, and not necessarily an informed Notary. Title and Lenders will typically tell you whatever it takes to get the job done whether it is legal, recommendable, safe, or kosher, or not. They don’t care just as long as their loan goes through and YOU, the Notary are the one who gets locked up if you did something illegal just as long as it is your seal on the page.

If you need help with a Notary problem, consult your state’s Notary division as a first resource and the NNA hotline as your next resource. I would be very wary about trusting anyone else.

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March 16, 2016

Can you send a loose acknowledgment? You should hear the answers

I asked a Notary the following questions.

Can you send a loose Acknowledgement if the Grant Deed you already Notarized and send it had a smudgy seal?

The Notary said, that yes you could. You just attach it to the Grant Deed.
I replied back that if you attach the certificate to the Grant Deed, that it would no longer be loose. It is kind of like asking if a virgin can be sent in the mail and you say — yes, she just has relations with Tim and then you can send her. If the virgin had relations with Tim she would no longer be a virgin just like the Acknowledgment Certificate on the Grant Deed would no longer be loose if it were attached to the Grant Deed. On a brighter note, if Tim were the only lady that the “virgin” had relations with, at least she would not be considered to be “loose” like the acknowledgment whose final words were, “Baby, I’ll attach myself to any document… anywhere… any time…”

Legal or not?
Many Notaries feel that it is fine to send a loose Acknowledgment in the mail. This is actually not legal in most states. Acknowledgments should be attached by a stable to the document they are associated with. If the stamp was smudgy on the initial acknowledgment, some states might allow you to destroy the original acknowledgment and add another non-smudgy one in its place. But, no state will allow there to be two acknowledgments for one Notarization floating around. That is just plain crazy.

California?
California wants Notaries to completely re-do smudgy signings. You would have to go back and visit the signer all over again, get a new signed journal entry, and do the Notarization as if you were doing it for the first time if God forbid — there was a smudge.

Summary
The way to handle Acknowledgments with smudges varies from place to place. But, you need to know what the law says so you don’t do something stupid. Most Notaries that I talked to do not have a thorough understanding of the law about this topic.

You might also like:

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

Sending loose certificates is illegal
http://blog.123notary.com/?p=2470

Notary Certificates, Notary Wording & Notary Verbiage
http://blog.123notary.com/?p=1834

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November 26, 2011

Notary Certificates, Notary Wording & Notary Verbiage

Notary Certificates,  Notary Verbiage & Notary Wording

Notary terminology is sometimes confusing, so there are a few things to remember.  There are different types of common notarizations.  Acknowledgments and Jurats require certificate wording (notary wording), and Oaths and Affirmations could be purely verbal.  A Jurat requires that an Oath or Affirmation accompany the signing and certificate wording (notary wording, notary verbiage).  An Acknowledgment is purely paperwork in most cases, however, I have seen even an Acknowledged signature have an accompanying Oath.  80% of notarizations are Acknowledged signatures, while roughly 19% are Jurats, and the remaining 1% would be a mixture of other types of less common notary acts.
 
Acknowledged Signatures
The 2011 & 2012 notary certificate for an acknowledged signature includes a venue (documentation of county & state), the name of the notary, the name of the signer, the fact that the signer appeared before the notary and acknowledged signing a particular document.  The current notary verbiage on this form should include the date of the signing, and the signature and official seal of the notary as well.  The actual notary verbiage differs from state to state.  California notary verbiage is a bit different than Ohio notary verbiage.  Also, Ohio has different types of acknowledgments such as corporate acknowledgments and an attorney in fact acknowledgment.  You should ideally research your state’s notary verbiage to see what it is.  If you visit our find a notary page, there are links to states, and on the state pages, you can find a lot of information about acknowledgments and jurats in those states.  We have detailed information for Florida, Illinois, Michigan, California, Arizona, Ohio, and a few other states as well.
 
Jurat Signatures
The notary certificate for a jurat signature / oath has changed in many states. It is/was normal to have a venue, and then say, “Subscribed and sworn to before me (name of notary) by (name of signer) on (date).”  Then there would be a signature of the notary, and a place for the official notary seal.  Jurat verbiage also can differ from state to state so please look it up on google. 
 
Certificate forms.
Notary certificates can be notary wording / notary verbiage that is embedded on the last page of a document, or sometimes within a document if there are intermediary signatures.  If the notarial wording is NOT included, you must add a loose certificate and attach it to the document (by stapling). 
 
Filling out the forms.
Many notaries don’t understand how to fill out notary wording on certificate forms.  Let’s say a guy named Paul Solomon is the signer.  If the form says,
 
(note: this is not real Florida notary wording — I am making it up for educational purposes)
In real life, the Florida notary certificate is much simpler than this, but in other states there are cross outs that the notary needs to make. 
 
State of Florida
County of Brevard
On 8-11-2010 before me John Doe, notary public, the foregoing document was acknowledged before me by Paul Solomon, who acknowledges signing the document in his/her/their capacity(ies).
 
(notary seal)
 
In this example, it is the notary’s job to cross out the “her” and “their”, and the “ies” in capacities.  More than half of notarizations that I have seen were done by notaries who omitted to do the cross-outs.

You might also like:

Notary boiler plate wording
http://blog.123notary.com/?p=2432

Notary Public 101 – a free notary course
http://blog.123notary.com/?p=19493

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

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March 26, 2020

Benefits of 123notary from Kate McKinnon. (detailed testimonial)

Filed under: Advertising — admin @ 8:38 am

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1. At least 3 title/escrow companies contacted me to thank me for the
time I’ve given to their Borrowers, at least 2 of whom were first-time Borrowers. I know that many people are overwhelmed from the moment I take documents out. I put them at ease by telling them that “now and in future transactions, they usually need to focus on 3 documents— all other paperwork is in support of these documents.” (I have reviews on 123 that speak to this.)

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2. Continuing on from above, I’d like to add that some notaries’
practice is to “do the signing quickly and get on the next.” I take whatever time is reasonable to make sure the signer is comfortable with and understands the process. In loan signings I am aware this is often one of the major financial commitments in people’s lives and they are understandably nervous; and, that the Client has entrusted me to complete this signing, so I am in essence representing them as well.

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3. From the start of my career as a notary, I learned from 123Notary to do my homework (up front): review the package, flag important and/or unusual things soothes are not missed; doing any other necessary research (e.g., trusts/adoption documents; attorneys in fact, etc.). The more knowledgeable I am about documents and procedures, the better notary I am. Also, I prefer to “re-do” rather than correct and initial. I like for my work to be correct and error-free. Clients notice (as reflected in some of my 123Notary reviews.)

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4. I have taken your marketing advice to heart, and its paying off more and more. I make it easy for people to not only find me, but to make them want to use me.

a. Increasingly my better paying jobs are coming as a result of the 123 website. I anticipate that paying for a higher listing will more than pay for itself with my first two orders coming from it.

b. I instill a sense of security in my client as a matter of course by advising them of receipt of confirmation, meeting/closing with the client, dropping/tracking of documents.

c. Occasionally I contact people who have used me more than once to thank them —in an attempt to keep my name before them without being pushy. Sometimes enclose a thank you note with my invoice and asking them to let me know what I can do to better serve them.

d. All of my marketing materials are coordinated in their look and easily identifiable (business cards, stationery, website, invoices, note cards, etc.).

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5. Both my corporate and individual clients appreciate that I text my photo and/or business card with my photo confirming our meeting. I never knew how impactful this would become. People like to know with whom they are meeting (especially for coffee shop or hospital signings as well as with seniors and single women)…and the “ice is already broken” before I show up.

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6. More and more I’m learning what separates me from the pack:

a. I always ask how they found me. Many answer 123Notary. If other than 123, I encourage them to read my 123 reviews.

b. Doing my research…usually on your blogs, NNA and the internet, bookmarking or maintaining notes.

c. Paying attention to detail.

d. Professionalism in my dress, communications and manners.

e. Being honest in what I do and do not know.

f. Getting back to designated contact(s) after noting issues during the closing. This only happened rarely and in the beginning of my
practice, but I always let Borrower know that we can communicate with their loan officer, etc.

g. Finally, the notary’s client is a person just as we are. I relate to them as such. (This is frequently mentioned in my 123 reviews.)

h. My overall knowledge of mortgage documents, types of residents (primary vs. second), homesteads, trusts/trustees; subscribing witnesses/signature by mark; Apostilles, etc.

i. For me personally, I both hate and appreciate doing detailed journal entries and loose certificates. It takes more time, but my record are perfect and my loose certificates always specify the document name, number of pages and date.

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March 1, 2020

2015 compilation of best notary posts

Filed under: Compilations — admin @ 9:59 am

TECHNICAL

The Mortgage & The Note
http://blog.123notary.com/?p=13203

The signature name affidavit
http://blog.123notary.com/?p=13190

Unique phrases from the Ninja course
http://blog.123notary.com/?p=14690

Loan Signing FAQ’s that borrowers ask
http://blog.123notary.com/?p=15457

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

Do you use a notary embosser?
http://blog.123notary.com/?p=15126

Your signature needs work
http://blog.123notary.com/?p=15051

Filling out your journal before the appointment?
http://blog.123notary.com/?p=15354

When to ask for ID over the phone & fees at the door
http://blog.123notary.com/?p=15282

MARKETING

Best blog articles for advanced notaries
http://blog.123notary.com/?p=14736

How much more does a 123notary certified signer make?
http://blog.123notary.com/?p=15392

What’s the difference between a listing getting 16 clicks / month and 100+?
http://blog.123notary.com/?p=13185

Pleasant companies who are pleasant to work for
http://blog.123notary.com/?p=13099

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

Trip + Notary Fee = Payment
http://blog.123notary.com/?p=13596

Augmenting your skill set to make more money as an NSA!
http://blog.123notary.com/?p=14150

Here is an easy way to make $4000 more per year
http://blog.123notary.com/?p=14162

$40 for a signing 72 miles away?
http://blog.123notary.com/?p=14959

Should travel fees be flat?
http://blog.123notary.com/?p=15402

STORIES

Signing Stream makes notaries sign a contract that they won’t write
anything on forums
http://blog.123notary.com/?p=13640

Notary etiquette from Athiest to Zombie
http://blog.123notary.com/?p=13718

Deceptive fax backs, the good old bait and switch tactic
http://blog.123notary.com/?p=14040

I was forged
http://blog.123notary.com/?p=13659

A notary enters the Shark Tank
http://blog.123notary.com/?p=14088

Signing of the Absurd
http://blog.123notary.com/?p=14919

Don’t call title or borrower
http://blog.123notary.com/?p=15066

Have you ever been tempted not to go into a borrowers house?
http://blog.123notary.com/?p=15369

COMEDY

Best notary comedy compilation
http://blog.123notary.com/?p=15957

Compilation of notary sit-com episodes!
http://blog.123notary.com/?p=15949

Honey you can kiss my app!
http://blog.123notary.com/?p=14902

Jane the Virgin Notary
http://blog.123notary.com/?p=14899

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>

February 23, 2020

2014 Compilation of best posts

Filed under: Uncategorized — admin @ 9:57 am

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MARKETING

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What is your monthly marketing plan?
http://blog.123notary.com/?p=9683

How to become a successful mobile notary from scratch
http://blog.123notary.com/?p=13340

$30 signings – is it worth it even in the best of circumstances
http://blog.123notary.com/?p=10456

Is $75 enough to print two sets of docs, notarize & do faxbacks?
http://blog.123notary.com/?p=10369

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TECHNICAL

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We caught a bunch of frauds using notary verbiage
http://blog.123notary.com/?p=7096

You could get sued if you don’t have a business license
http://blog.123notary.com/?p=7100

Poo picking – getting the best notary jobs
http://blog.123notary.com/?p=9273

Best notary posts for Beginners
http://blog.123notary.com/?p=10472

New Notary apps you really need
http://blog.123notary.com/?p=9797

The right to cancel done wrong
http://blog.123notary.com/?p=10001

Do you notarize loose certificates as a notary?
http://blog.123notary.com/?p=10372

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STORIES

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Dress Brittish – Think Yiddish
http://blog.123notary.com/?p=8643

The Towles Booth (pronounced “tolls”)
http://blog.123notary.com/?p=9456

Signing with a former airline captain
http://blog.123notary.com/?p=12870

Reviews about 123notary!
http://blog.123notary.com/?p=14072

A forged document vs. a forged notary seal?
http://blog.123notary.com/?p=10391

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COMEDY

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A social media site for Notaries – Affiant
http://blog.123notary.com/?p=6410

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