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April 4, 2018

123notary Elite Certification Study Guide

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

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ELITE CERTIFICATION

To get elite certification, you need to do well on the regular certification topics, and then know a lot more. Here are the items we quiz about for elite certification. We test by phone for the elite, and if you study hard and know your basic documents, scenarios, and Notary knowledge plus the content on this page, you could pass.

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Documents you have to understand intimately

Recorded Documents
Riders
Subordination Agreement
Residency Affidavit
Owners Affidavit
Deed of Reconveyance
Deed of Trust
CD & HUD-1
Please read the details of the required documents. Read more…

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Procedures or Acts to Understand

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

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Other Terms or Information
Please click on the links below to get detailed information on the following points.

The term Elizor — read points 23 on this link. An Elizor is a court appointed official that can sign over property when the owner refuses to cooperate in court.

Explaining beneficial & financial interest. A Notary may not have beneficial interest or financial interest in anything he is notarizing. A beneficial interest could be construed as …

Federal Holidays in chronological order (memorize these). Let’s start with New Year’s Day, Martin Luther King Day, Washington’s Birthday, Memorial Day, Independence Day …

Fraud Prevention & types of fraud that happen in the Notary world. Falsified identification, incorrect dates on certificates, using someone else’s Notary seal …

Authority – Who has the highest level of authority if there is a question about a notary act or document at a signing? The Notary is the authority as to how a notary transaction happens, but…

Annual Percentage Rate — a detailed understanding is required. The APR is based on the amount borrower after certain (but not all) fees and closing costs have been deducted, and expressed as a …

Pros & Cons: — Adding an Acknowledgment rather than fixing the original. if there is a mistake on a preprinted form. It is cleaner to add a new form, but there can be recording fee issues involved…

What to do if John & Sally’s names are inscribed in an Acknowledgment by the Lender and Sally can’t make it. — Cross out or add a new form? This is similar to the last point, but there are some extra snags…

Handling name variations and discrepencies such as: ID Name, vs. Typed Name, Signature on Doc, and Name on Ack. Relationship between these names if they don’t exactly match. The main thing is to obey the law first…

Understanding dates such as: Transaction Dates, Signature Dates, Rescission Dates, and Document Dates… A transaction date is the same as a signature date, but a document date is arbitrarily chosen, but by whom?

Loan Signing FAQ’s that Borrowers ask. FAQ’s have been greatly reduced by Lenders being required to explain documents to the borrowers in advance. But, you still might be asked why the APR is …

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March 27, 2018

Does knowledge matter any more as a signing agent?

any Notaries are telling me that nobody tests them and nobody cares if they know anything. My clicks reveal that when I started my career as a directory owner that knowledge mattered a lot more. Now it still matters, but not as much.

Ten years ago a certified signing agent on 123notary would get more than double the clicks that an uncertified member in a similar position would get.

Now, even an Elite certified 123notary member gets only 80% more clicks than the absolute most notarially illiterate members.

So, knowledge still matters, just not as much.

However, I feel it is undignified not to be an expert at notary matters if you are a notary. Additionally, you can get into legal trouble if you are sloppy in your notary work. Failing to fill out:

Additional Information sections in Acknowledgments can lead to fraud that could get you subpoenaed!

Not keeping a journal can get you pegged as a suspect in identity fraud cases. It can also get you in trouble if someone forges your seal impression, your lack of a journal makes it look like you were the one that notarized the document in question.

Not keeping a journal correctly can lead to other problems. If you cram five documents in a single journal entry, the borrower could come back in court saying they only authorized you to notarize one of the documents. Since there is only one journal signature for five documents you won’t even know which document was authorized and bingo — you are a suspect in mortgage fraud — congratulations.

Not abiding by prudent practices identifying people with name variations can land you in court.

Making clerical mistakes filling out notarial forms can get you fired or sued

Saying no under the wrong circumstances can get you sued. Additionally, saying no under the correct circumstances but not properly explaining why can get you sued, and successfully sued.

So be careful and be an expert at Notary work. If you don’t know your loan documents, nobody cares. But, we do care if you know how to be a notary and follow directions and be polite and login to your listing regularly.

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You might also like:

123notary Loan Signing Courses
http://www.123notary.com/loan_signing_courses.html

Compilation of Certification posts
http://blog.123notary.com/?p=16264

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September 26, 2016

What is a high placed listing on 123notary worth?

Many people want a high placed listing for Notary advertising on 123notary.com, but complain about the prices. We keep our prices intentionally high to weed out Notaries who are not serious. But, should you pay big bucks to get a high placed listing?

A Good Foundation
First of all, you will not get your money’s worth if you did not pass our (signing agent) Notary certification test. People who visit our site want to see our signing agent certification, not some other agency’s like NNA or Notary2Pro, etc. Additionally, without a few fresh reviews from satisfied clients on your listing, you will lose a lot of the potential of a high placed listing. Finally, your notes section needs to be perfected, so ask us for help — it’s free. So, get your foundation in order before you invest above $100 in a listing.

Building Your Presence
123notary allows people to buy a high placed listing half a year at a time. So, you can try it out. Sometimes we might even let you try three months. We want you to be happy with what you purchased. So, if you try it out, you didn’t lose much if it didn’t work out. Some people have amazing stories of getting several jobs within hours of signing up while others wait weeks. A lot has to do with your luck, your presentation and timing.

Trying Multiple Areas
123notary also allows you to try multiple areas. Our most serious Notaries advertise in several counties with high placements. But, some of them want to put their toe in the water before making a long term commitment. They might get an additional county with high placement in Montgomery County to see how that goes. If it doesn’t work well, they ask if they can move it to Orange County. We understand that you might want to experiment, and that’s okay.

What do people who have been advertising on 123notary say?

I get 90% of my work from 123notary!
We get this a lot, but not from all of our Notaries. 123notary is feast or famine. The Notaries on the top of the list get most of the jobs while the Notaries lower on the list get the leftovers if there are any. Once in a while, a well prepared Notary lower on the list will get a fair amount of business too because they presented themselves well and have deep experience.

I got my first job within hours of signing up!
Some people get lucky and get a job right away. This is partly due to yogic thought. When you are thinking about expanding your presence, you attract new clients. Putting your money where your mouth is also increases the power of your thought. Some people have to wait a while before getting work. We recommend working on your FOUNDATION as we mentioned above as that can dictate how well you do against our very seasoned competition who lists on our site in your county (or perhaps they do)

I got five jobs my first two weeks on 123notary
Some people get a slew of jobs after getting a high placed listing on 123notary. There is no accounting for luck. Others start racking in the jobs after they pass the 123notary certification test.

You might also like:

Which Notaries are getting more business?
http://blog.123notary.com/?p=4117

5 or 6 reviews doubles your business!
http://blog.123notary.com/?p=8484

From 3 jobs per week to 3 jobs per day!
http://blog.123notary.com/?p=3940

He made $35,000 per month his first year in business
http://blog.123notary.com/?p=3894

The top 1% and the bottom 99% in Notary business
http://blog.123notary.com/?p=4168

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May 2, 2016

Not being 123notary certified = only getting 47% of the work you would have gotten.

Most Notaries claim they don’t “need” to be 123notary certified. They are already NNA certified or already know it all. Our certification is not to teach you anything. Our purpose is to verify that you are up to a particular level of knowledge. The people who use our site take our certification very seriously and they skip over people who don’t have it. In fact, those who are not 123notary.com certified only get 47% of the jobs they would have gotten if they were certified according to my number crunching.

If you are paying $100 for a listing, but only getting $47 of the value, that’s terrible, right? But, most Notaries on our site are in exactly this position. They pay every year, but some other Notary who pays the same that they do is getting more than double the jobs they pay. So, you’d think that the uncertified Notaries would wake up and just study and take a test. But, they rarely do. Most of them took it before and failed and just gave up. If you give up on our test, you’re giving up on getting work from good companies.

So, what is the solution? Study! If you study hard, you can do better the next time you take the test. A little studying won’t kill you. Plus, this is your career and you should take it seriously. Not knowing what you are doing not only doesn’t make sense, but is dangerous!

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You might also like:

Compilation of certification posts
http://blog.123notary.com/?p=16264

Where does 123notary get ideas for blog articles?
http://blog.123notary.com/?p=9342

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April 4, 2016

Compilation of Certification Posts

Over the years, we wrote many articles about 123notary certification. The ones that did the best were ones that did not mention certification in the title, but mentioned some benefits associated with our certification. Here are our best articles about certification and elite certification.

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

NNA certified signers who failed our test!
http://blog.123notary.com/?p=892

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

From 3 jobs per week to 3 jobs per day!
http://blog.123notary.com/?p=3940

Do you have to be a CSS to get work these days?
http://blog.123notary.com/?p=8914

A detailed look at the Ninja Course
http://blog.123notary.com/?p=4621

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

The top 1% of Notaries and the bottom 99%.
http://blog.123notary.com/?p=4168

Uncertified and not a single call
http://blog.123notary.com/?p=3887

From zero loans to 40 in only seven weeks!
http://blog.123notary.com/?p=6442

How do you prove your knowledge as a signing agent?
http://blog.123notary.com/?p=14142

If you are not 123notary certified, you are not 123notary certified
http://blog.123notary.com/?p=4471

123notary’s certification is highly valued by those who use our site
http://blog.123notary.com/?p=14196

Which gets the work, skills or certification?
http://blog.123notary.com/?p=2332

ELITE CERTIFICATION

Does Elite certification help?
http://blog.123notary.com/?p=4229

123notary Elite certification, what is it all about?
http://blog.123notary.com/?p=8531

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May 28, 2010

Welcome to the 123notary.com Blog!

Welcome to the 123notary.com Blog!
 

To see the blog roll with our most RECENT posts, just click on the link below!
http://blog.123notary.com/

Introduction – 123notary.com directory – who we are.
123notary.com is a nationwide mobile notary directory that helps notaries market their notary services and offers a wealth of notary resource materials as well on our resources page.  123notary.com offers loan signing courses and loan signing agent certification courses too.  Feel free to sign up for a listing with us by visiting our advertise with us page on the navigation bar.  We offer FREE listings with low placement and paid listings with medium and high placement.
 
123notary and Social Media
123notary.com has endeavored to build a community feeling by creating various social media profiles over the last few years.  We created a notary discussion forum in 2004. Our forum grew in popularity over the years, but we found that the trends in social media had changed, and that more people prefered Facebook and other providers. Then, in 2009, we created Facebook and Twitter profiles which quickly became very lively.  In 2010, we decided to create a blog, to add a format where we could discuss notary issues in detail.  The forum had a nice form of interaction, but our blog will make it possible to focus on what a particular author has to share, rather than reading a potentially chaotic conversation between a variety of strangers all chiming in.
 
Guest writers
123notary.com will attempt to have a lively notary blog by blogging about the most interesting and critical issues facing notaries today.  In order to spice things up, we will
be having guest bloggers write articles about whatever notary blog topics they find interesting.  The guest writers each have a very different style and write about very different topics than I would write about which will make our blog diverse and interesting.  Our current guest bloggers are Ken and Carmen, but we hope to attract more as time goes on. If you write interesting materials, and want to be a guest blogger with us, just send us an email introducing yourselves, and we will consider you!
 
Topics for discussion

I want to use this notary public blog to discuss issues in a way that can not be adequately done on other mediums.  Forums have too much weak commentary from members with posts ranging from two or three words to a sentence. Some of the input is helpful while others is not on forums.  Very little of the writing on forums is good enough to feature on a resource page.  One major pattern I would like to establish on our blog is to take the best content from the forum and publish it in blog format.  I would select the most popular and helpful forum topics, and condense the more helpful commentary from the notaries in one page in a blog entry.   That way the 90-95% of forum commentary that is not helpful would be filtered or weeded out.  Another pattern I would like to use on the notary public blog is to address major issues facing notaries, in detail.  Rather that focusing on quantity, I would like to address certain pressing issues, and have thorough and quality input about these matters.  Some issues that will be popping up soon will include:  How to handle common problems at signings, Loan Modifications, Billing, Etiquette, e-signings,  How to Dress, etc.,    If there are topics that you would like addressed, you are welcome to voice your opinion.
 
Facebook, Twitter and our blog
We will get materials for our blog from discussions on facebook as one of our sources of information. Our facebook profile is a source of lively discussions and information about the notary world. Each week or two we discuss a different issue and break it in to components.   There will be lots of material to work with.  We will be tweeting about our new blogs on Twitter as a way to get the news out quickly. We may even have a competition on facebook for notaries who can write a great blog article that is good enough for us to post.

You might also like:

123notary.com’s LINKED IN discussion group

123notary behind the scenes
http://blog.123notary.com/?p=2499

How to lose half your clients while on vacation!
http://blog.123notary.com/?p=596

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