January 2013
(909) 717-9692                                                                                                                                               Dana M. Booker
www.YourMobileNotary.us                                                                                                                 Loan Document Specialist
Dana@YourMobileNotary.us                                                                                                      Commission Number: 1998187
Serves the Inland Empire and all counties in the State of California 
* Loan Documents 
* Acknowledgments
* Jurats

* Deeds

* Health Care 

  Directives

* Affidavits

* Power of Attorney

* Wills & Trusts

* Jail Notarizations

* Wavier & Releases

  on Payments

* HIPPA forms & More 

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Did you know it is unlawful for a notary to provide documents to be notarized for clients?
 
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             New Notarization Laws Effective
                          January 1, 2013 

 

Two new laws regarding the Journal Thumbprint and the Proof of Execution have emerged for the new year; along with one Clarification

   1. A journal thumbprint must be taken for ALL documents regarding real property, including will and trusts. Best Practice: Get a thumbprint on all notarial documents.

   2. Proof of Execution allows one to sign for a signer in certain situations. The new law requires that on ALL real estate involved transactions, the original signer must be present. Best Practice: One should sign their own documents concerning real property.

   3. Clarification on correcting notarial mistakes on certificates (dates, county, name mispelling, etc;) is no longer allowed. The notary and signer must reappear and a new notary must be performed. Best Practice: Recheck the documents before leaving the signing.

 
'Notarial Evidence' Forms Introduced for 
 Mortgages

 

Notary Signing Agents (NSA's) are beginning to see a new recordkeeping requirement at loan closings, as one financial institution applies a key regulatory standard arising out of the foreclosure crisis and housing market collapse to the origination of new loans.

 

At least one major lender has started requiring NSAs to complete a "notarial evidence" form with mortgage packages. The form includes a section to record the notary's name, commission number, expiration date, the names of all signers at the loan signing appointment, the method used to identify them, and the loan number. It also includes descriptions of each loan document notarized and the date, time, and type of notarial act performed.

 

The "notarial evidence" form is completed separate and apart from the NSA's journal entries for the loan documents and sent in with the signed loan documents and other stipulations from the loan signing.

 

The historic National Mortgage Settlement reached in February between the government and five major banks servicing mortgages requires the banks to keep records of all notarial acts performed on foreclosure and other mortgage servicing documents.

 

 According to the National Notary Association (Nov. 2012), the "notarial evidence" form is the first evidence of the loan servicing reforms being extended to the origination side of the mortgage industry, a trend industry observers expected would take place. 

 

 
Proposal May Force Banks to Outsource
Proposal May Force Banks to Outsource Proposed new mortgage servicing rules designed to protect homeowners could force many financial institutions to outsource some of their mortgage operations.
  
The Consumer Financial Protection Bureau propsal would require servicers to speed up processing loan modification requests. Servicers also would be prevented from moving forward on foreclosures until decisions on those possible modifications are made.
  
These efforts are likely to present a bottleneck for many financial institutions, which will need to rely on third-party service providers to handle many mortgage accounts (NNA, Nov. 2012).
 
Member of the National Notary Association and NNA LogoCertified Loan Document Specialist

 

All articles originate from the National Notary Association,

a reliable source for news regarding notary information and mortgage updates.  

 
A Message from the Notary
     
Your clients never have to leave their homes or offices to sign documents; Your Mobile Notary travels to them. This convenience conveys your respect for the client's time and allows them to view and sign sensitive paperwork at a place where they feel most comfortable.                                                                                         
      
Your Mobile Notary further extends its service by retrieving documents from any location and delivering signed documents to another location.  
      

In addition, Your Mobile Notary offers a variery of customary notarial services which are available, any time, any day.  Please know that your business is appreciated.                          

Thank you. 

Dana M. Booker

Dana M. Booker                                                                                  Owner