Avoid Notary Mistakes During Loan Signings

[@jayj4439]

Those not so wow moments are unbelievable! I think some forget how serious this line of work is and that professionalism is essential

[@NationalNotary]

Thank you for watching.

[@norinadasilva4508]

One hundred percent.

[@jillberry2066]

Notaries are sooooo very important to the entire loan transactions! Notarizing mortgages for $100K and over mortgages! Yet they only want to pay us $100-$200 dollars! It should be if the loan is $100K we at least make $500.00-$1000.00 each signing! If we go and notarize a mortgage for over $250,000.00 we should be making at least $2,000.00 each one! We have to do a lot!, sign here, check there, yet they want low ball us on our fees!

[@terahaynes2800]

I appreciate you!

[@jahaesjourney362]

I thought of it that way last night tooo

[@springsummer5427]

Especially with the prices of gas and materials are steadily increasing

[@franceswalker2627]

I agree they seem to undervalue the notary's importance and should get paid accordingly. In notarizing a $250,000 mortgage closing I think $500.00 would be fair. After all everyone else is definitely getting a piece of the pie!

[@jillberry2066]

@@franceswalker2627 It's true, it should be according to the amount of the mortgage,just like the loan officers, and their "points"!

[@trojanette8345]

CA native, here. Am very familiar w/ Stewart Title. Heard about them all my life Gotta love how my CA people break things down. We are definitely known for our thoroughness.

[@Thatdude91800]

Most of the errors that happen are result of title companies not sending correct information in time

[@realestategomez]

I am a Notary Public and Loan Signing Agent. Just finished my Loan Signing exam, but I would like training on the loan documents and all of that good stuff. Like go over them with a person and explain everything to me. (person to person).

[@NationalNotary]

Hi Gilbert. Have you tried reaching out to a potential mentor? We also have several resource books available on our website and the Notary Bulletin.

[@realestategomez]

National Notary Association I haven’t reached out to a potential mentor yet. Not sure how to go about it, but i will work on it. If you know about a mentor, please let me know. Thank you. 😃 👍🏼

[@realestategomez]

National Notary Association Found a mentor with NOTARYCOACH.com and he is great. 👍🏼 Thanks 😃

[@HistoryRepeats101]

National Notary course/test is mainly how to present self and docs not the docs. You may want to take a course which I found valuable. There’re few out there, I took Mark Wills course. You earn that money back in no time.

[@cindygarcia530]

@@realestategomez How did that go? I am new and see this comment is from a year ago. I could probably use a coach.

[@beckysebreros8707]

Great class. Been a signing agent for almost 6 years and it’s good to be refreshed. Thank you!

[@NationalNotary]

We're glad you enjoyed this workshop!

[@mr.janjasmin5235]

I just started watching this video, and 33 seconds in Ms. Speer said that notaries should sign up with providers to get load signing jobs. How do notaries go about signing up as she stated? At 1:18, she then spoke on expired background checks, how do we go about having that done to be in and stay compliant?

[@DetroitJCS]

I may have missed it somehow but is the 1003 form example of errors missing from her series of documents (4506-T, CD, 1003, R2C, HIRN, Assumptions Agreement, and Pay Plan)?

[@Weatherman1214]

These training sessions are always terrific! Always learn something from them. Can't wait to get back to in-person sessions again.

[@NationalNotary]

Thank you for watching. Can't wait until we have live conferences again!

[@ainavad811]

Grateful for this video. I am very NEW. Plan to take my NSA test in one month.

[@ainavadnotaryllc2676]

4/26/2020 #Passed the NNA Test

[@rowenahockett6430]

@@ainavadnotaryllc2676 congratulations

[@ainavadnotaryllc2676]

I am a NSA & E-NOTARY. Thx you for paying it forward.

[@vfclark7]

@@ainavadnotaryllc2676 HOW DO YOU BECOME AN E-NOTARY?

[@sparklesinblue5120]

Same here..good luck😊😊

[@chelsea6193]

Are these checklists available somewhere

[@M.J_Production]

This has been very helpful. Thank you for having these video. As a new LSA its going to help me become a favorite.

[@NationalNotary]

Thanks for watching!

[@carmellouis4643]

This video is beneficial to me since I am a newbie.

[@NationalNotary]

Thanks for watching!

[@mariefrancois868]

Thank you. Very helpful.

[@NationalNotary]

Of course! Thanks for tuning in.

[@annamariereichert162]

These videos are informative. However, I went through NNA for all my training, and background check "certification "... In the training it states that we the LSA gain control of the signing from the beginning. In saying that it stated to arrange the seating and put the docs out of their reach and tell the signer that a copy will be provided for them at the end of the signing, so as not to let the signing run too long. This video contradicts that?? The lector states that we should allow the signer to review the docs???

[@wrappednluv7923]

How soon can we start to reprocess our back ground check

[@NationalNotary]

Hello. More information can be found here: www.nationalnotary.org/support/signing-agents/quick-facts

[@patriciatyler1193]

I took notes during this presentation and the speaker DID NOT tell us the common mistakes on the 1003/URLA and Proof of Identity forms (Patriot Act?) NNA, please respond.

[@Its.Corey.]

The common mistake on the 1003 is missing the top signature line. It says have borrower sign if it's an application for joint credit, but some lenders want it sign, even if it's a single borrower. As far as the Patriot Act form, the common mistake is not paying attention to how many forms of i.d are required. If it says 1 form of i.d is needed, collect 1. If it says 2, collect 2. And take copies of the id(s) if the lender instructions say so, if not, then don't.

[@CP-jn2ce]

@@Its.Corey. How do you make copies of IDs when you are at a signing?

[@Its.Corey.]

@@CP-jn2ce For some reason, I'm just now getting a notification of your comment. But to answer your question, you'd ask the borrower to make a copy of their i.d, if they have a printer. If they don't, then you'd take a picture of their i.d & send it to whoever gave you the signing. Military i.d's would be the exception to that rule. You're not allowed to photograph military i.d. In that case, you'd want to check in with the person/ company who gave you the signing & ask how they'd like you to proceed. Sorry for the delay. I wish you the best!!!

[@jumbalayaismisspeells3363]

@@Its.Corey. Thank you for your answer. When I take a picture with my phone, it automatically uploads to Google Photos, so not secure. Why wouldn't the borrower send a picture of the ID to the lender instead of me? Also, is it just the front side or are both sides needed?

[@angelsartography1178]

how often do you need to redo your background check

[@jimmycee5247]

This is so informative.

[@NationalNotary]

Thanks for watching!

[@jaysoncolbert6187]

Are fax backs literally faxed or can they be scanned and sent to the company. Seems odd in this modern day to still fax anything instead of email the scanned docs

[@NationalNotary]

No two signing companies, title companies or lenders are the same. Some want fax backs, some do not. We recommend reaching out to the signing company that hired you for further instruction.

[@franceswalker2627]

There are a number of notaries with YT channels who bring other people to the signing like they're allowing them to shadow. @11:22. I thought it was a no-no but they do it any way.

[@NationalNotary]

Hello. Bringing a third party along to a notarization could potentially be a privacy risk, because the third party might gain access to a signer’s sensitive personal information. This is especially true for Signing Agents because they handle sensitive customer financial information during loan signings. These two articles have more information on Notary privacy recommendations: 1. www.nationalnotary.org/notary-bulletin/blog/2019/07/avoiding-privacy-breaches-during-and-after-a-notarization 2. www.nationalnotary.org/notary-bulletin/blog/2019/09/4-bad-notary-signing-agent-habits-to-avoid.

[@franceswalker2627]

@@NationalNotary Thank you. I read both articles. Is it okay to bring another new notary who's trying to learn?

[@evenichols8431]

Excellent presentation. I really appreciated it. I have yet to see the "Pay Plan" acceptance checkboxes on the CD though; that perplexes me. She didn't say what page that is supposed to be on but I reviewed all five pages and still have not found it. If anyone has that information, I would love to learn where it is.

[@zavoina]

That is not on a standard TRID closing disclosure used by a lender to comply with Reg Z or RESPA rules.

[@Munthebun]

Random question, when should notaries use blue pen vs black pen?

[@NationalNotary]

You may use blue or black ink, color may vary based on state's or title company's preference.

[@KS-wj7to]

Thank you for posting this training.

[@NationalNotary]

Glad it was helpful!

[@302notaryservicesplusllcyv7]

Should the NSA question the Title Company? IF, the assignment was provided by a Signing Service?

[@evamariesneed-rodriguez7047]

Thank you . . . Quick Question: ▪︎How long are background checks valid? (1yr? 2yr? 4yr?)

[@NationalNotary]

Background checks are completed yearly.

[@khunt3882]

Are you allowed to highlight on the docs where the client should sign?

[@NationalNotary]

Hello. No. You can mark pages with arrow tags on the loan docs to ease your mind to ensure you don’t miss any signatures or initials. More information can be found here: www.nationalnotary.org/notary-bulletin/blog/2021/02/nsa-tip-prepare-first-loan-signing

[@netavaught536]

Are we able to do audiovisual notary in Washington DC for this corona virus

[@NationalNotary]

More information can be found here: www.nationalnotary.org/knowledge-center/remote-online-notary/states-that-allow-temporary-remote-notarization

[@XFiorentti]

I've had my notary license for over 2 years but have not used it as I never took training. How can I get trained and also how do we find notary gigs?

[@NationalNotary]

Hello. What state are you commissioned in?

[@gailjohnson8315]

Love the training. Thanks for sharing.

[@NationalNotary]

Thanks for watching!

[@lindabalonstein2867]

Very excited and hoping to get some Wow moments!

[@NationalNotary]

Thank you for watching!

[@christinareyes2963]

That was really helpful ty so much for the information

[@NationalNotary]

Glad it was helpful!

[@TheDddavis23]

Question about the 4506T and 4506C. Does the non-borrowing spouse still need to sign this form?

[@NationalNotary]

Hello Dannye. What state are you commissioned in?

[@TheDddavis23]

@@NationalNotary Alabama

[@MrScarface643]

Great job 👏

[@frompara2atty]

This was very helpful - thank you

[@NationalNotary]

So glad! Thank you for watching.

[@DarknessFalls29]

What does a notary do if the borrower doesn't want a printed set of documents because they have it electronically AND at the signing they make mention of "how many trees were killed", even though the signing service provider instructs you to leave a set?

[@AWholeVibe96]

@LetsJazzItUp would you be able to answer this ??

[@judyjohnson2892]

I would let the hiring company know that a copy was rejected, perhaps calling from the table or right after the appointment. The rejected copy can be shredded. Always let your hiring party know when anything outside the norm occurs

[@saysolee9200]

Happy New Year THanks for the training,,

[@NationalNotary]

Happy new year! Thank you for watching.

[@maryheller9518]

@@NationalNotary name has omitted initial on some papers.

[@junebreeze5620]

Great training!

[@Will-216]

Wait what 28:30. You just stated earlier that a notary cannot give out a copy of the documents to the borrower for legal issues and sensitivity issues. Then I thought as a notary they are not allowed to handle any funds?

[@sharleenkahalewai9519]

Thank you this was very informative and I know will be very helpful as I start my loan signing business.

[@NationalNotary]

You're so welcome! Thank you for watching.

[@hitherefrompointswest4805]

Attention anyone looking to do public speaking. Note this woman's ability to mix her tone. I was struck by how well she used what I call UP sentences ending and DOWN sentence endings. UP are when your tone or pitch is rising.....and it can be confusing (AND ANNOYING) to most humans if every sentence ends this way. Typically this is used when delivering a question......as opposed declarative sentences. Most of our conversations should end on a flat or DOWN tone......stating a fact, etc. Mixing them up is great but using only one is well, boring and annoying. Well done to this speaker !

[@NationalNotary]

Thank you for the feedback!

[@pattideak7985]

Great training and great advice.

[@NationalNotary]

Glad it was helpful!

[@5wm562]

There's no such thing as a stupid question... So I'd like to ask a stupid question: Can a Notary _predate_ a document before a signing to ensure that there are no dating errors or omissions, or _must_ the signer date these spaces alone (sounds odd, but I can see reasons why a signer might be expected to do this on their own, _because_ they may do so incorrectly, that might in some cases flag the signer's competency)? Also what to do when and if a dating error is discovered? Do you shred that page and do over (provided you have an extra copy), or cross out the error and correct it live?

[@NationalNotary]

Hello. What state are you commissioned in?

[@judyjohnson2892]

You might notice in some loan signing instructions that SIGNERS must date their own signatures. Even without that instruction, I would NEVER date for a signer. To me, that is part of the indication that they know what they are doing. Occasionally, a mistake has been made on a date. Signer will simply line through, correct and initial. On the rare occasion that instructions indicate that corrections are not permitted, we pull from the clean copy and sign/date again.

[@julissabrodsky208]

very informative thank you

[@NationalNotary]

Glad it was helpful!

[@lynnwalker]

Very helpful, thank you so much!

[@NationalNotary]

You're very welcome!

[@mikecapricciuolo9226]

how do i sign up with the providers? i hans all my credentials. i’m part of NNA.

[@NationalNotary]

Hello Mike. You can reach out to Stewart Title here: www.stewart.com/content/stewart/stewartcom/en.html. Hope this helps! You can also check out our Notary Signing Agent videos on our channel for more ways to market yourself.

[@jacqueline.4264]

Question super new b here, so I did my first signing and there was two grant deeds and I guess I was supposed to leave one with the borrowers? Can someone explains because I'm going later today to redo a grant deed THANK YO

[@SedatingSounds617]

Very informative!

[@NationalNotary]

Glad it was helpful!

[@skwalker03]

Awesome information

[@NationalNotary]

Glad you think so!

[@miltonwelch8619]

"...and we'll select you if you're the best option.." hmmm, wonder what the criteria are for being "..the best option.." beyond having all your credentials, both required and extra, uploaded and updated on several sites, and not getting a signing after several weeks...

[@judyjohnson2892]

They are often looking for the cheapest NP 😂 as most do not realize they should negotiate a fair fee for their services.

[@geauxbosshawggo8694]

Is it ok, to ask for all pets be removed from the signing area?

[@NationalNotary]

Hello. You might find this article, which touches on signing agent health and pet issues, of interest: www.nationalnotary.org/notary-bulletin/blog/2013/09/signing-agents-expect-unexpected

[@brianbaker5687]

I'd say keep it in a public place and not worry about it.

[@beckyzs7]

Great training. How would you suggest to lightly shade over stamp print?

[@NationalNotary]

Great question. What state are you commissioned in?

[@beckyzs7]

@@NationalNotary Florida, I just did a signing this past Saturday for Stewart Title, I hoping I did everything correctly,

[@NationalNotary]

@@beckyzs7 Florida Notaries are required to use an inked rubber stamp seal using photographically reproducible black ink for their official seal for notarizations (FS 117.05[3][a]). While Florida Notaries have the option of also using an embosser-type seal in addition to the rubber stamp seal, you may not substitute an embosser for your official inked rubber stamp seal (FS 117.05[3][a]).

[@beckyzs7]

@@NationalNotary yes I did all that, but how does Stewart Title want us to lightly shade over stamp before scanning?

[@NationalNotary]

@@beckyzs7 For special instructions on how to proceed with a signing, you'll need to contact Stewart Title directly.

[@vivianwilliams6322]

Excellent video!! Thank you for sharing this information with us!

[@NationalNotary]

Glad it was helpful! Thank you for tuning in.

[@businessnow2499]

How do I get into the in-person sessions in GA?

[@NationalNotary]

Hello. Are you looking for in person trainings in the state of GA?

[@debratourigny3610]

This was an awesome training. Thank you for the clarity on those forms especially with the little boxes. I just finished my NSA training. The one thing I am not 100% clear on is "Are there specific documents that are ALWAYS Notarized?"

[@tracyboyum4138]

The Deed of Trust is always notarized, as are the signature/name affidavits, Limited POA/ Compliance agreements, and a variety of other documents as required by lender or title. It just depends on what shows up in the closing packet that you are assigned.

[@tvilla6466]

informative video. but what are the suggested etiquettes for greeting the borrower, meeting with them in their home, etc in light of Covid19??

[@NationalNotary]

Thank you for watching! We have a few resources in our Notary Bulletin: www.nationalnotary.org/notary-bulletin/blog/covid-19

[@Knine74]

Thanks!

[@QueXopa79]

The highlights I am hearing I have gone over and beyond for all of my clients. So not sure how this is something to highlight.

[@matmatman09]

What state are you in

[@NationalNotary]

Hello. The Stewart Title headquarters is located in Texas. You can find a nearby office here: www.stewart.com/en/locate-an-office.html

[@nonamegiven5078]

This is a great video! This channel is Newbie Gold!!! 🥇🏆🥇🏆 Thank you NNA...keep them coming!

[@NationalNotary]

Thank you! Will do!

[@HistoryRepeats101]

I have a high ranking on Snapdocs and a five star with a company I do an average of 5 signings per week. How do I get on your list as a preferred provider?

[@sandeejaye7239]

Wow Thanks NNA for these informative videos..

[@NationalNotary]

Thank you for watching!

[@ashrchll88]

Extremely informative! Thank you

[@tlabang83]

How much are we legally allowed to charge for each signing? Obviously, for notaries who aren’t affiliated with a larger company:)

[@NationalNotary]

There is no set fee schedule for Notary Signing Agents who perform loan document signing assignments. Each Signing Agent must negotiate their own fees based on their business expenses, the companies they work with, travel and time required for assignments, and the demand for services in their area. Be aware that the federal government strictly prohibits collaboration to set fixed fees for loan document signings, including price-fixing agreements, boycotts or attempting to persuade other Signing Agents to agree to charge an established minimum fee.

[@babeedoll64]

Wait signature... I was under the impression it needs to match the ID I am interpreting from this video it needs to be legible to the document? Please clarify

[@Alinaandmommy]

This was great!

[@NationalNotary]

Thank you for watching!

[@user-fm7vg4dv1k]

If this is such a serious duty then why isn't there more in depth training and certification

[@NationalNotary]

It depends on the state. A Signing Agent must be a commissioned Notary Public. Some states limit or restrict Notaries from working as Signing Agents or include additional licensing requirements. For more information, see our list of Signing Agent State Restrictions. www.nationalnotary.org/support/signing-agents/state-restrictions

[@talkcafe1842]

The law doesn’t say u have to be certified period in order to be a notary, and it’s sad that you make people jump through your hoops to get work. 🤦‍♀️

[@NationalNotary]

Hello Deloris. Certification is not required by law to become a signing agent. However, many companies ask signing agents they contract for assignments to be certified and background screened to meet Consumer Financial Protection Bureau compliance requirements for third-party service providers hired by financial institutions. Several private organizations offer training, certification and background screening for signing agents that meet the requirements of lenders, title companies and signing services.

[@talkcafe1842]

@@NationalNotary but you get a background check when you apply to your state for the Notary position. I just think this is unfair to have to pay NNA for training for Notary and background when your a real estate agent or broker already. I’m really just tired of all these Associations developing and implying your not good unless your certified... “bologna”. I’m not just speaking on your Associations. Real Estate, Notary, and various other organizations come up with all these fees and don’t help to much. I’m not saying everything should be free, but in these economic times it shouldn’t always be about money. The NNA I can say by looking at some of the NNA videos they are helpful. I meant no disrespect. I’m just stating the facts I know.

[@NationalNotary]

@@talkcafe1842 It's definitely a question we receive often. There are a couple of reasons why lenders and title companies can't accept the state mandated background check for Notaries. Hopefully this article from our Notary Bulletin will provide some more information : www.nationalnotary.org/notary-bulletin/blog/2016/05/why-notary-signing-agents-need-background-screenings

[@a.j.8004]

This really seems like the most basic of common sense.

[@House_of_Green]

I’ve grown up to learn that common sense isn’t so common

[@ChristyJeanLopez]

@@House_of_Green exactly.

[@AustiuNoMatterWho]

No such thing my fellow human

[@a.j.8004]

@@AustiuNoMatterWho 😂

[@jli0115]

how much does a notary typically make during a loan signing?

[@realestategomez]

Good question. How much?

[@ericburke7755]

$75-200

[@HistoryRepeats101]

It depends whether you work for a signing service or directly for a title, escrow co etc. signing companies pay $40.00 - $150.00 depending on the signing company and the type of document. There is one Co that consistently pays $30.00 for a short doc with 5 signature. -5 minute. If you work directly rates can pay $50.00 - $250.00 depending on the type of signing. Hope that helps.

[@lafayettelove1212]

Thank you for your service help sincerely yours Lafayette Love

[@NationalNotary]

You are so welcome.

[@TheBellabrunella]

This was great!

[@NationalNotary]

Thanks for watching!