Weston Mobile Notary, Mobile Notary & Legal Document Assistant

Just like it sounds, in-person-electronic-notarization or IPEN, is a notarization that is performed in person, but instead of an ink stamp, the notary uses her tablet or laptop to access her electronic stamp. The electronic stamp with the notary's required stamp information is provided by a provider authorized by the Secretary of State, and an authorized secure online platform is utilized to complete the notarization. In most cases IPEN is used during a loan signing transaction, and the majority of the non-notarized real estate documents are electronically signed, sometimes before the notary signing agent arrives. This process streamlines the signing, cuts down on the amount of paper used, and less time is needed to complete the signing. The signer must still appear before the notary and proper government issued identification is still required to be presented to the notary. The in-person-electronic-notarization is recorded in the notary journal just like an inked notarization. If ...

Like most people, I'm exploring different strategies that will allow me a comfortable retirement. As we all know, retirement requires money!  One of the options at my disposal is a Home Equity Conversion Mortgage (HECM) or commonly know as a reverse mortgage. It is a home loan only for homeowners who are 62 and older. With a reverse mortgage loan, monthly mortgage payments are eliminated. Interest and fees are added to the loan balance each month and the balance grows. The loan is repaid when the borrower passes away or no longer lives in the home.  Reverse mortgage borrowers must pay property taxes, homeowners insurance, keep the property in good condition, and use it as their primary residence. As a notary signing agent, I've sat at the signing table with many a borrower guiding them through their reverse loan documents. These borrowers who utilize this type of loan product were able achieve their financial freedom while not having to move out of their house. In one instan...

Working within the real estate field as a mobile notary signing agent, I have a professional network of colleagues who keep me in touch with most things real estate. Consequently, you should know that real estate fraud is on the rise. This means, that thieves are in force, stealing real property right out from under unsuspecting owners. Filing a fraudulent real estate document with the county recorders office is easier than you think. The county clerk does not evaluate the veracity of a document that is presented for filing. They do make sure there are no blank lines, and they do make sure the notary seal is properly placed and that the notary commission is not expired, but a criminal can have stolen a notary seal, or have one illegally made, or a notary may have been duped into notarizing a fraudulent document. On every California notarial acknowledgment, and jurat the following verbiage must be included:   A notary public or other officer completing this certificate verifies only...

It's true. If you're familiar with real estate loans, you've probably seen a section on the loan estimate disclosure form, also known as Good Faith Estimate , that says "Services you can shop for".   These services, as pictured at right, are Pest Inspection Survey Insurance binder Lender's title policy Settlement Agent Fee (AKA escrow or title) Title search While a notary signing agent is not specifically listed, you can ask your escrow officer (or your real estate agent) to use your trusted notary signing agent. It should be noted that not just any notary will do; she should be a certified notary signing agent. (See my blog post on NSAs.)    Why would you want to choose your own notary signing agent? The notary signing agent's job, while a small step in a long process in the acquisition of real estate, is important nonetheless. A misstep at the end of the process can derail the whole transaction. Personalized service with a seasoned NSA can make all the d...

  All notary signing agents (aka NSA, loan signing agents, or signing agents) are notaries, but not all notaries are signing agents. So, what's the difference and why should you care? A notary signing agent has additional training and certification to handle real estate documents: purchase, sales, refinance, HELOC etc. They also carry higher E&O insurance policies. In essence, NSAs perform two functions: The certified NSA guides the signer through the real estate document package making sure all the required forms are correctly signed and dated, boxes are checked, and is tasked to make sure the signing process goes as smoothly as possible. After docs are signed and double checked for errors, the NSA gets the documents back to escrow as quickly as possible. The NSA also is performing her notarial duties by verifying that the signer is indeed who they present themselves to be, and to notarize and document in her journal all the required documents within a real estate package....