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February 22, 2015

Point (2) The Note; Story: Background Noise

Filed under: (2) Technical and Legal — Tags: , — admin @ 6:14 am

Marcy, The Baby, and the FHA Signing

Marcy was a little big traumatized after her last signing, but she wouldn’t be able to face her neighbor Patricia if she quit now. So, she decided to just do it. She waited patiently by the phone as she watched her toddler. Her husband often worked nights, so she was all by herself with the exception of her screaming child.

And then the phone rang. It was Nicole from Hawaii Title. They needed a loan signed that night and couldn’t find anyone.

NICOLE: Hi, this is Nicole from Hawaii Title.

MARCY: Aloha. (child screaming in the background, radio playing loudly too)

NICOLE: I hope that’s not a dissatisfied customer.

MARCY: No, he’s a little cranky tonight. I just told him a bedtime story called Snow White and the Seven Lenders. Don’t get me started on Grumpy.

NICOLE: Oh, is this the one with the wicked Escrow officer who gives her a poisoned prepayment penalty?

MARCY: No, that part was too scary.

NICOLE: Well, we have an FHA loan we need…

TODDLER: Wahhhhh! Wahhhh!

NICOLE: Is something wrong?

MARCY: Oh, well Chuckie doesn’t like the word FHA. You see, in the story, the evil Escrow Officer did mostly FHA loans.

TODDLER: Wahhhh! Wahhh!

NICOLE: Okay. No problem, I’ll call it a Federal HA loan. I know it can’t be easy raising a young child. But, it’s not easy for callers to endure any type of distractions. I noticed that not only is your toddler screaming, but there is also a radio playing in the background. Putting aside how difficult to hear you over this noise, it is also considered very unprofessional to have any type of background noise on a professional call. I’m sorry to give you a lecture on this, but I think you sound serious about this business and you need to know. Many companies just won’t hire you if they sense any unprofessional behavior on your part be it oral communication, if your notes section has spelling mistakes on 123notary, or mistakes on loan documents.

MARCY: Oh, I had no idea. But, that makes sense, now that you tell me. I’m just so used to Chuckie, that I don’t realize that other people might not be so immune to his antics. I’ll put the baby in the other room. And my husband will be back soon, so I can go out to do a signing the minute he returns.

NICOLE: Okay. Just keep in mind that FHA… oops, I meant to say Federal HA loans, take considerably longer to sign than straight Refinances. But, I will be on the other end of the line the whole time in case you have questions. And we require fax backs.

MARCY: Okay, 123notary told me that companies that require fax backs do so to ensure that the loan is correctly signed when a beginner is working for them. This makes sense as I am a beginner — a very enthusiastic beginner. So, I won’t complain about fax backs like the other notaries!

NICOLE: That’s what I like to hear.

MARCY: Bring it on!!!! I’m ready for your FHA

NICOLE: Wahhhh… Just kidding.


Point (2) The Note
The Note (also called ‘the agreement’ by some companies) is the basic contract between the borrower and the Lender; it includes the basic terms, conditions, and information about the loan being signed.

The Note includes:

(1) The Rate

(2) The Prepayment Terms (these are usually explained in two paragraphs on the first or second page)

(3) The Payment Amount of Principal and Interest (this doesn’t include taxes and insurance).

(4) The day that monthly payments are due.

(5) Penalties for late payment

(6) The amount of the loan

The Note also specifies that it is secured by a ‘security instrument.’ (This will be discussed in the next section, specifies where to make payments to — many other kinds of information are also in the note. It is simplest to understand the note as merely a list of agreements, as previously mentioned. Adjustable Rate Notes. This document is a note with information about what the adjustable rate is based on and how it can fluctuate.

Please note that the best place to look for information about the prepayment terms are in the Note or a Prepayment Rider if there is one, and NOT on other documents as other documents do not have thorough information about this topic. Please also note that The Note is not normally a notarized document.


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Point (3-4) The RTC & TIL

The Mortgage & The Note



June 9, 2020

How often do you not get paid on Snapdocs?

Filed under: Signing Company Gossip — Tags: — admin @ 10:13 pm

I am hearing all different stories from Notaries who use Snapdocs. Of course, it is not Snapdocs themselves who pay you but the companies who work through them. On the other hand, they are a portal and they have the power to have standards for payment terms if they want to.

One Notary said they got paid on average in 40 days.

Another says 30-45 days

Another says 50-60 days

Another says 14 days or less

One Notary got 700 jobs and then all of a sudden the phone stopped ringing, or beeping… whatever noise it makes when you get a text.

Snapdocs reportedly does not get involved in payment unless all parties involved want to use Vendorpay. Interesting.

But, how often do you just not get paid on Snapdocs? Is this regular? Is it a bad problem or just a once in a while phenomenon?


January 27, 2020

Are you a phone person or an in person person

Filed under: General Stories — admin @ 11:10 am

Boy this is confusing. You could be a people person, a numbers person, or even a cat person. But, what if you are a cat who likes people, then what would you be — a people cat? If a car is bad it is a lemon; But, what is a lemon if it is bad? Would it be a car, or a really really bad car?

Some people interact really well over the phone, but are terrible in person. Or perhaps they just don’t like seeing people in person. Some people just like interacting through texting or Facebook. I have a word for those people – millennials.

As a Notary, you need to be good by phone and in person. But, can you handle both? The skills are a little different. Over the phone, you need to make sure you answer nicely, have good reception, don’t have background noise, answer questions the way they were asked, etc. If you answer at a signing, don’t answer only to tell them you can’t talk — that is rude and defeats the point of answering in the first place. But, if you are in person, posture, eye contact and gestures really matter. Yes, it is a different art altogether. So, once again, another thing to ponder about. Food for thought!


December 12, 2019

Regular Teenagers vs. Notary Teenagers

Filed under: Humorous Posts — admin @ 8:33 am

Normal teenagers get in trouble for swearing! Notary teenagers administer sworn Oaths.

Normal teenagers break out; Notary teenagers only have to break out if they get arrested.

Normal teenagers have to worry about getting a girl pregnant; Notary teenagers put a layer of latex on their notary seal for protection.

Normal teenagers drive too fast. Notary teenagers have good laser printers so they are never late to signings and therefore don’t need to drive fast.

Normal teenagers succumb to the power of hormones. Notary teenagers succumb to power of attorney (and medical directives)

Normal teenagers do homework; Notary teenagers read the 123notary blog to learn more about their trade.

Normal teenagers are embarrassed to be seen with their parents; Notary teenagers are parents, they are developmentally stunted and still function emotionally as teenagers.

Normal teenagers learn musical instruments; Notaries are still trying to figure out how to make clanking noises with their metal embossers.

Normal teenagers get upset when their teacher makes them redo their homework; Notary teenagers get mad when they have to redo a signing.

Normal teenagers study French; Notary teenagers study Latin words like “scilicet” and “locus sigilli.”

Normal teenagers get normal tattoos and piercings; Notary teenagers get a tattoo of their favorite clients’ signature on their rear end.

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October 24, 2019

What was the worst house you ever went into?

Filed under: General Stories — admin @ 11:46 pm

Have you ever been to a signing where you just didn’t want to go into the house? At 123notary we have heard many stories ranging from Legionaires disease caused by mold or bacteria, hoarding, people with long toenails that go click click click, Notaries pushed down stairs and more. Here is a list of types of situations where you might not want to go to the signing.

1. Legionnaires Disease
This is a disease that can cause serious lung diseases. If you go into a really dirty house that has a lot of bacteria, you could contract this disease which can be deadly. We advise you to think twice before going into an unsanitary house. It is more than just unpleasant — it could be your last.

2. Hoarders
Some people stack stuff from the floor to the roof and refuse to clean up. There are reality shows about this topic and it just isn’t funny. Hoarders have a mental disease that makes them believe that they actually need these useless things which they collect and that their life would be so much worse if they got rid of all of those things. If the hoarding is out of control it might be dangerous to go into a hoarders house as something could fall on your or trap you.

3. Good house bad neighborhood?
On the other hand, some houses are fine, but in bad neighborhoods where you might be afraid to go. I have heard issues of Notaries who are assigned jobs at tenement houses where risky looking people are hanging out in front of the building as well.

4. Parking Issues
There are houses where there is no place to park in certain types of communities as well.

5. GPS Issues
You might have houses on roads that are not on your GPS which is an interesting phenomenon.

6. Construction
If a house is having construction there could be issues. There could be dust that is not safe for you to breathe. There could be vehicles blocking you or equipment strewn all over the place. There might also be noise issues.

7. Smells
If you went to a house where they were cooking exotic food, you might smell an intense aroma of garam masala or something of that nature. You might hear the sounds of Vietnamese being spoken loudly too. Some people are sensitive to these things.

8. Sound
If you in a house that is noisy, that can be an issue. Some people do not turn off the television or have noisy rambunctious children dressed in Spider Man outfits.

9. Animals
Some houses have animals that are annoying or dangerous. Owners of dogs are genetically predispositioned to assume that the rest of the world just love dogs, and in particular their dogs and enjoy being viciously barked at, lunged at, and jumped on by their uncivilized furry friends. Not so. I had one borrower put their dog behind a closed door, only for Fido to emerge unannounced and jump all over me. Try locking the door and take people’s safety and comfort more seriously.

10. Attorneys
If you go to a signing and there are Attorneys or Brokers, you might be in for a long haul where there are line by line explanations. Couldn’t you do this before the signing?

11. Haunted
There might be ghosts in particular places. If so, tell the ghosts not to bother you during the signing and ask them to come back with some sort of etherial ID if they want to be notarized.

So, what are some of the worst houses or situations you have gone into?


April 14, 2019

Notarize you like a hurricane: A guide to heavy metal notarizations

Filed under: Humorous Posts — Tags: , — admin @ 10:18 am

So, Harry wanted to get notarized. But, he was born in 1968 and wanted a little more of an “experience” that would bring back his childhood… in a good way. So, he called this outfit, and when I say outfit, yes, that includes the leather jackets, hairstyles, etc., called Hard Rock Notarizations. But, they didn’t just sent the Notary over. They sent the whole band.

HARRY: Hello, is this Hard Rock Notarizations?

SLASH: Yeah. What do you need?

HARRY: Are you the real slash?

SLASH: No man, this is just a theme thing. I wear a torn leather jacket, a bandana, have long hair, and look cool assuming you like the drugged out, don’t give a (&*#) look. But, I don’t work alone. I bring what I call my “work crew.”

HARRY: Got it. So, I have an Affidavit that I need signed.

SLASH: We have free time at 6pm. We don’t have any paying gigs until far after that, and we can’t do earlier because of our hangovers. I really gotta stop drinking. Man…

HARRY: One more thing. Can you greet me in Cockney?

SLASH: Oh yeah. We specialize in bilingual signings. We have staff that speaks English, Spanish, and we specialize in Cockney. Tassy knows how to speak that.

HARRY: Tassy? What the hell type of name is Tassy?

SLASH: He’s cool. You’ll love him.

(6 o’clock arrives. There is a loud rumble in the distance. The rumble gets louder, and then unbearably loud… and then the noise stops. The click of a kickstand rings in the air. And then footsteps. There is a knock at the door.)

TASSY: Ello, Arry (cockney accent for Hello Harry)

HARRY: Hi guys

SLASH: Ello Arry… ee does it bedda don’ee. (He does it better, don’t he.)

HARRY: Yeah, his sounds more authentic.

KEITH: So, don’t you want to know which one of us is the tattoo artist?

HARRY: I might need a touch up on this one, the color seems to have faded over the last 25 years. But, I don’t need any new ones. Oh, and thanks for not parking right on my lawn.

SLASH: Yeah, we kind of learned the hard way about that once at a party several years ago. Let’s just say the owner wasn’t pleased. But, fortunately the damage was made invisible after a subsequent rain storm. So, Harry, do you want me to lead?

HARRY: Lead what?

SLASH : Let me give you a little hint. Have you ever worked on a dairy farm before?

HARRY: Dairy farm?

SLASH: (handing him a cow bell) Then you should be very acquainted with one of these!

KEITH: Hmmm. The weather seems to be changing. (looks out the window) Oh look, we’re having the beginnings of that hurricane they were talking about on the news!

HARRY: We’re not having a hurricane. I read the weather forecast just this morning online.

TASSY: Oh yes we are. Put this on and sit over on that chair and don’t say anything. You’ll ruin it.

HARRY: A wig…I’m not a woman. And a leather jacket? Worn out boots? Cigarettes? I don’t smoke. What’s going on here?

SLASH: Boys, bring in the heavy artillery.

(The work crew brings in a huge over-sized drum set, amps, and a bunch of musical instruments, a video crew, and a whole bunch of wires that were sitting in the van outside next to the long line of cycles.)

TASSY: You (said emphatically)(pause), are now going to be the star of your own music video entitled, “Rock you like a hurricane!”

HARRY: Oh my God, really? Are we going to notarize too?

KEITH: Oh yeah, we’ll get to that. But business first.

The rock and roll band had Harry playing the cow bell, and then had him pretend to play lead guitar during part of the video, and then had him be the lead singer in another part. They had him and the other rocksters (I coined that term, sorry) do all the typical 80’s type heavy metal poses: two musicians back to back, leaning forward over the mic, leaning to all sides, walking on their knees, pretending to be walking down the stairs, etc. They also filmed Harry with hot babes to his left and the right wearing leopard outfits for eye candy effect. The music was real and shot on site. And when it was all over, they gave Harry a copy of the video for him to cherish for the rest of his life where he was the star of his own heavy metal video.

Here I am
Rock you like a hurricane
Here I am
Rock you like a hurricane
My signature is burning, it starts to shout
Desire is coming, it breaks out loud

TASSY: And one more thing before we leave. Weren’t we supposed to noh’-arize (glottal stop on the sound noh’) something Arry?

HARRY: I almost forgot with all the excitement. My Affidavit. Here. Watch me sign.

TASSY: I bet you’ve never seen anything like this before. It’s a Noh’-ary seal case.

HARRY: Does it need to be that large? It’s the size of a huge rectangular guitar case, but with a little felt indentation for the notary seal.

TASSY: Ay, we’re musicians. This is ow we loik to do things ya. (This is how we like to do things). There’s room too for my thumb printa and woips. Check this out. It’s my odd Rock (hard rock) Noh’-ary Seal… ya know wuh’ I mein? (you know what I mean?) — it’s go’d play’id (gold plated).

HARRY: Wow. I’ve never seen anything like it.. Look, there’s a little solid gold guitar on the front. Okay. I need to swear under Oath. “I solemnly swear this affidavit to be the truth to the best of my knowledge so help me God.” I hope you’re in tune with me on this one.

KEITH: Nobody has ever accused him of notarizing out of tune before. That would be a terrible thing. Okay…. stamped… done!

POLICE: (knock knock) Ummm, we’ve had a complaint about excess noise in the neighborhood. You gentlemen wouldn’t happen to know anything about it?

TASSY: (thick Cockney accent) In my opinion the problem is that there wasn’t enough noise. We were just noh’arizing, officer.

POLICE: Well do you think you could notarize a little more quietly?

TASSY: Sorry about that. We ‘ave this nahsty ‘abit of loiking to noh’aroize to the sound of music. Oi think that’s where the issue arose from. By the why, while yor ‘ere, (while you’re here) our tattoo guy is still ‘ere. Do you need any old tats refreshed. ‘ee specialoizes in that. (he specializes in that)

POLICE: Actually I’m off duty in a few minutes. Oh, did you just refresh Harry’s tattoos? That looks amazing, wow. You’re so good at that it’s almost criminal!

TATTOO GUY: Thanks, I take pride in appearing to be a criminal and hyper sexualized. The irony is that I don’t actually do anything illegal. I’m talking like Miley Cirus now.

So, the band packed up, loaded up the van, there was a loud rumble as the motorcycles left, and Tattoo Guy was the last to go as he had to finish his business with the police. Then, he too rumbled away. And thus ends the story of how Harry had his fantasy heavy metal notarization — 80’s style!


March 22, 2019

Which analytics get you more clicks and why? A change in the 123notary analytics system.

Filed under: Advertising — Tags: — admin @ 9:53 am

At 123notary, we have been using analytics for more than ten years. We do this to identify which listings are better quality than others. The issue is that there are 15 different factors we look at and all of those factors have to be weighed to compute a final points score.

One of the issues I have found is that analytics do not apply equally to listings in different placements. Here are some examples.

People who don’t answer the phone lose a lot of clicks in the high range of the search results while in the middle of the search results listings do not lose a lot of clicks on average by not picking up.

People who refuse to talk after answering the phone lose a lot of clicks in the middle of the list but do not in the high end of the list. This data seems to be opposite from the phone answering data. Basically people in the middle of the list don’t have to pick up, but if they do, they had better be nice and talk otherwise they will lose a lot of clicks.

People who argue with Jeremy (that’s me) can get away with it and that will not affect their scores. But, people who interrupt seem to get a lot worse click scores. The difference seems to be that arguing with Jeremy is something people only do with Jeremy, but not with clients because they think that my opinion of them doesn’t matter (boy are they wrong.) But, people who interrupt do this because of a lack of control and probably a screw loose. This screw loose will manifest with everybody. Additionally, if you refuse to answer questions over the phone with Jeremy, this does not seem to affect your click ratios at all.

So, let’s look at the factors in order of importance.

If you have good reviews and lots of them, this counts in your favor as the most important analytic for clicks.

If you score well on Jeremy’s tests, it might not mean anything to you, but the other Notaries do not have the skills to match and are rarely willing to study, so this makes you stand out.

If you have horrible communication skills to the point where someone can barely talk with you, you will lose more clicks than from any other factor.

If you have someone else answer the phone for you, you will lose a lot of clicks.

If you give vague answers to questions, this affects your clicks. Vague answers are a sign of sluggish and unclear thinking. Your clients might want their questions answered in a way where they don’t have to ask for clarification.

Ignoring emails is another way to lose a fair number of clicks. If someone asks you questions by email and you ignore them, they will be less likely to click on your listing in the future or use you.

Refusing to talk after you have answered the phone is a fast way to lose clicks. If you can’t talk — don’t answer. Just send them a text if you feel the call is important.

Having an answering machine that does not state your name is another way to lose a lot of clicks.

Rambling on and on is annoying, but title companies seem to be a lot more patient with this behavior than I am. I recommend controlling what comes out of your mouth on business calls. But, this is a lot smaller of a factor than I previously thought.

Background noise is something I can’t stand, but it doesn’t seem to affect click volume. If you can avoid background noise, you should.

Poor call backs. When you call someone back, refuse to announce who you are, but ask them who they are, and make them repeat themselves three times — to me this is unbearable and rude. But, this behavior for some reason does not seem to affect click rates.

Answering the phone saying, “hello?” seems very unprofessional to me. You have to announce yourself and then ask the person who they are, and instead of telling you they ask who you are after you have told them and then ask why you are calling. Some people you have to ask who they are three times to get a straight answer. However, this used to affect click ratios more, but these days since people are shopping for price more than quality, it does not affect your scores much. I still recommend acting professional if possible.

The analytics that matter are reviews, clear communication, quiz scores, and answering your own phone. Many of the analytics I thought mattered before seem to be very trivial. I concluded that my personal value system is antiquated and does not matter in today’s world. I was running my directory based on what I thought is important. Now, I am running it based on what those who click feel is important. Things have changed in certain ways as a result.

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January 15, 2019

Notary Etiquette 104 — The initial call

Filed under: Etiquette — Tags: — admin @ 11:27 am

Return to Table of Contents for – Notary Etiquette 104


1. Introduce yourself
Introduce yourself properly by phone when you answer the initial call to hire you. “This is June of June’s Notary Service” is a lot better than, “Hullo?” High-brow clients will judge you by how you answer the phone, so answer like a professional if you want to be treated like one.


2. Answer questions the way they were asked.
If someone asks what your hours are, tell them your beginning and ending times. Don’t say “it depends” and don’t be vague. Give them a clear picture of your availability without making them ask again. If someone asks how many loans you have signed, don’t give them a summary of your professional background, just give them a quick number. If someone asks if you are still in business, don’t tell them you are eating dinner or on vacation, just tell them that you are still in business. Just answer the question.


3. No background noise
Screaming children, televisions, or people talking in the background sound unprofessional. You need to turn the TV off, go into the next room where there is no noise, and apologize if there is any noise. That is called being professional. If you are in a restaurant, there might not be much you can do, so at least let the caller know where you are and that you cannot do anything about the noise at least for the time being.


4. Don’t scramble information
Asking people to repeat endlessly is horrible. If your phone is horrible, get a new one rather than accuse the other person of breaking up. If someone asks if you can do a notarization for two signers on three documents, don’t repeat it back to them as, “Okay, three signers on how many documents?” That is called scrambling information and sounds ignorant.


5. Don’t brag
Notary Signing Agents have the desire to overprove themselves. The secret is to make a good impression by being helpful and not shoving your credentials down someone’s throat. It also makes a good impression to ask a few relevant questions about the type of signing or document. Asking a few pertinent questions looks professional. Show the world how good you are without trying. Just politely and calmly answer people’s questions and they will get the impression you are a seasoned pro and not an overanxious newbie.


6. Act calm
Acting calm and helpful is a lot better than acting anxious and overly helpful or overly unhelpful. People get put off by desperate or unfriendly behavior. Seasoned signers normally act calm. Signers that are over-seasoned are too calm because they don’t care if they get the job because they want to retire, so don’t be too nonchalant either.


7. Speak clearly and listen
There is nothing worse than a Notary who mumbles or speaks unclearly. With such Notaries you have to keep asking for clarification as to what they said. And what’s worse, when southerners say the word “bell” it sounds like “bail” and you have to ask them if they meant b.e.l.l. or b.a.i.l… Why can’t we all just be Yankees? Then, there are the Notaries who aren’t paying attention who have to ask you to repeat half of what you say. They are very unpleasant to work with, so please listen carefully when talking to clients.


8. Confirmation calls
During the confirmation call, it is practical to ask the borrower to prepare for the signing by having a clean dining room table, have animals out of reach, children taken care of, and no noise. Make sure all parties will be there early, have identification, and have any documents or checks going back to the lender or title. It is better if the borrower leaves their outside light on so the Notary can find the house more easily.


9. Answering machines
Your answering machine should not have unprofessional sounding music. I cannot say what unprofessional music sounds like. Some people have Vivaldi that is just too loud while others have hip hop music. Just be sensitive to how this music would sound to a hiring party and use your judgment.


10. Grammar
Do you use bad grammar? It don’t matter. Well, actually it does. People judge you in all sorts of ways, so try to use proper grammar as that is part of etiquette.



December 20, 2018

Beginner Notaries 103 — Notary Etiquette

Filed under: Etiquette — admin @ 1:24 pm

Notary Etiquette
Return to Table of Contents for – Beginner Notaries 103


New Notaries and experienced Notaries alike have a very poor sense of Notary etiquette. It is common for people to complain about small things and not communicate well. We are going to publish a course on Notary etiquette. But, here are some of the main points you should understand.

1. Answering questions the way they were asked
Most Notaries cannot give straight answers to questions. This is a sign of poor self-discipline and a scrambled mental state. If someone asks how many loans you have signed, most Notaries tell you how many years and tell their life story. This is annoying and is bad manners. Just give the person a number. If someone asks what counties you serve, don’t tell them your whole pricing strategy for each county, just tell them your counties. If they want pricing information they can ask.

2. Answer the phone stating your name.
Too many people answer the phone saying, “hullo?” It is unprofessional. Others say, “Why are you calling me on a Sunday?” Don’t do that. Be professional. Others answer the phone while answering a question to the person standing next to them. This behavior can be alienating to the caller as you don’t know who the recipient is talking to.

3. Don’t have family members answer your phone.
It is annoying and confusing when someone else answers your phone for you. If they don’t state their name, the caller won’t even know they are not talking to you and might start a long conversation with the long person.

4. Don’t have noise when you answer the phone
No Mortgage professional wants to have their conversation with you interrupted because of your screaming kids. If you are in a restaurant, apologize about the noise and explain to them where you are. Hopefully they will understand.

5. Don’t fail to answer calls in a signing
If you don’t answer calls in a signing, nobody will be able to reach you. Unless you signed a contract saying you won’t answer calls, answer your phone otherwise how will you get your next job?

6. Don’t answer the phone and then refuse to talk
If you answer the phone, give the person calling a minute or two to state why they are calling and let them ask a quick question or two. If you answer the phone and interrupt the caller only to tell them that you can’t talk — you should not have answered in the first place. It is rude and annoying to do such a thing.

7. Get documents back to the company fast.
Know your local FedEx stations and UPS stops. Get packages back as soon as you can. Nobody wants to find out that their package is in your trunk four days after the fact. They also don’t want to hear that you missed FedEx pickup because you waited until the last minute, got a last minute job, and then forgot to drop the package as a result. Drop it like it’s hot.

8. Accept criticism
Most Notaries think they are so knowledgeable and can do no wrong. But, get very hostile when anyone criticizes them. In real life agencies that list you or hiring parties might criticize you. Take it as constructive criticism and learn from it. Don’t argue and don’t be hostile.

9. Don’t brag
Nothing is worse than a Notary who has to prove to you have great they are and rambles on about how much experience they have. I ask people simple questions such as, “How many loans have you signed?” Instead of getting an answer, I get a long rambling session about how their husband works in Escrow and I learned so much from him over the years and I even attended a signing with him. You can offer to explain your level of experience to someone, but don’t just start bragging and talking nonstop. It is rude, unprofessional and makes you come across as undisciplined and inconsiderate. Be polite and answer the questions that were asked to you.

10. Dress appropriately
Business attire is what you should wear to a signing. Believe it or not, even experienced Notaries show up in flip flops, night club attire, mini skirts, or bring their screaming kids to a signing. You will get fired if you don’t dress the part, so dress like a business person and act like one too.

11. Confirm the signing
Let people know who you are, when you are going to arrive. Call if you are going to be late, etc. You can go over directions as well and it is not a bad idea to know how their name reads on the ID before you drive over.

12. Don’t park in the driveway.
The driveway is for the borrowers or signers to park. You can park on the street unless you are invited to park in the driveway. They might need that spot in their driveway and they might not appreciate the fluids you leak onto their driveway either.

Those are the basics. Read our etiquette course for more.


July 9, 2018

How do you handle these phone situations?

Filed under: Etiquette — admin @ 9:43 am


Notary Situations

and how to handle them.
Notaries should know how to handle these situations, because you can lose clients very easily. Clients do not want to know about your problems or your family. They want you to get a job done professionally. Here are some scenarios Notaries typically screw up.

Screaming kids in the background
You might be used to your kids, but your clients do not want to hear them in the background. If your kids are screaming, train them to be very quiet when you answer the phone or leave the room if they can’t control themselves.

Relatives answering the phone
When you use the, “Hullo???” method of answering the phone, it is impossible to know if you are talking to the correct person. This is unprofessional and makes a horrible impression. Of the Notaries who have lasted on 123notary for ten or more years, very few say hello. The ones who say hello are not professional and generally do not last more than a few years. Everyone who answers your phone has to announce themselves, otherwise get a mobile phone that only you answer. If your three year old answer the phone, this is very unprofessional, however, if they say, “Rutherford residence, this is Brandon” then it becomes more tolerable.

Answering the phone with an alias
If you answer the phone, “Hi, this is Kathy” but your 123notary profile says Andrea and the person says, “May I speak to Andrea.” and you say, “This is her.” This creates a very annoying confusion. The point of having a name is so people know who you are and what to call you. If there are twelve people named John in one home room class at school it becomes confusing. And if you have multiple names that you go by that is confusing. Stick to one name or use an AKA when you answer the phone. “Hi, this is Kathy AKA Andrea.” That way no more confusion.

Answering the phone at a restaurant
If you answer the phone while at a noisy restaurant, it is best if you are able to step out within seconds of answering the call. The first thing you must do upon answering is say, “I am at a busy restaurant and I apologize for the noise. I can step out if you need to talk to me.” If you don’t keep in mind that nobody wants to hear the background noise and have you continually saying, “what, what what?” every time they ask you something, then be considerate and professional and either don’t answer the call, or step out quickly upon answering. Or text the caller and let them know your situation.

Having a bad phone
If you have a bad phone with bad reception, don’t keep making the other person repeat themselves and then yell at them telling them they are breaking up. That is unprofessional and rude. It is YOU that have the bad phone and it is YOU who is breaking up, not the caller. So, invest in a better phone with better reception otherwise you will lose a lot of clients and will have nobody to blame except yourself.

In a signing
Don’t answer the phone only to tell the other person you can’t talk. That is just plain rude. If you can’t talk, don’t answer. If you do answer, give the other party 90 seconds before you get short with them — hear them out, and be considerate. After the clock strikes a minute and a half, then let them ,know that you cannot talk any more because you are at a signing.

Between signings
If you just got out of a signing, are between signings or are on your way to a signing and refuse to talk to someone, that is rude. If you are at a signing, there is a reason not to talk long. But, if you are between signings and someone calls about business and you tell them you are busy — then, they will have to call you back, but they will reach you at another signing when they call back. If you are impossible about talking to people you will lose half your business.


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