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By Wendy St.Clair
Mobile Notary- Certified Signing Agent
Types of documents requiring notarization:
Legal documents such as mortgage documents, property Deeds, Final Will and testament, Trust agreements, Contracts, Divorce decrees, Power of Attorney, and many others require notarization.
What is notarization?
Notarization is the process of authenticating a document by a notary public, a public officer who witnesses the signing of a document and verifies the identity of the signer.
This is a form of fraud prevention.
Signing Agent
A signing agent generally is acting as an agent for the escrow /Title Company to walk borrowers through specific loan-signing documents. The Signing Agent is also responsible to return the properly signed and notarized package back to the title company in adequate time for closing. This convenient service saves time For the borrower, and also the cost of paying an attorney.
I am a National Notary certified signing agent!
Did you know Mobile Notaries can act as wedding officiants also?
How To Prepare For Your Signing Appointment:
Confirm the document to be notarized is completed with the exception of the notary acknowledgment Section.
Do not sign the document before the notary arrives.
Provide a valid Government issued ID containing the signers’ photograph and signature, such as a Driver’ license, Passport, Military ID, etc.
If the notarization location is to be in your home, provide a clear desk or table in an area without extra distractions.
TIPS:
Power of Attorney – General or Specific? A General Power of Attorney may not be accepted by the Title Insurance Company or Lender unless made specific to the property being financed. Check with the Title or Loan Officer in advance.
Property title – This is a very important issue. This can determine if Probate will be required upon the property Owners’ death as well as who has the legal rights to the property. The majority of owners do not understand the complexity of this decision. A will does not necessarily solve the issue. There are many options, each with a different result. Consult your attorney or title officer for assistance.
Mortgage Trust Deed – This is the instrument that secures the performance of the note in a mortgage transaction.
Contract Sales – Contract sales are when the Seller is acting as the Lender. The Buyer agrees to the repayment terms set by the Seller. Contract Sales are required to be recorded. Contract sales oftentimes will go thru an escrow and title company. If not, no title insurance would be in place to protect the Buyer from outstanding liens, property line disputes, or other title issues.