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Refinance Affidavit and Deed Errors Prevalent
What is a Power of Attorney?
How to Negotiate Real Estate
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State Laws and Extra Notary Certificates

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Loan Signing

How to Write a Professional Letter

When writing a professional letter, it's important to use the correct format. This means including the addresses of the sender and recipient, and using the proper salutation and closing.

There are many occasions when a professional letter is appropriate. These include an application letter, a thank you letter and a letter accepting or declining a job offer.

Every professional letter should contain the following, in this order:

-Sender's address
-Date
-Recipient's address (also called the inside address)

How to Properly Sign a Power of Attorney Document for Someone

How to Properly Sign a 
Power of Attorney Document 
for Someone

When someone gives you power of attorney, she is entrusting you to act on her behalf. Some powers of attorney don’t go into effect until the principal, the person granting you the power, can no longer act for herself. 
Others may go into effect as soon as both of you sign the power of attorney document. When you sign documents for someone else in this capacity, it’s important to make it clear that you’re acting for her, not contracting for any debt or transaction personally.

State Laws and Extra Notary Certificates

Notary Signing Agents often are asked by title companies and signing services to include extra signed and stamped notarial certificates in the completed loan packages they return after an appointment.  The reason given is that the company wants extra certificates to rectify any mistake the NSA made in completing a notarial certificate on the mortgage, deed of trust or other notarized document in the loan package without having to send the entire document back for the NSA to correct. That would take precious time that could delay the closing of the transaction.

Mobile Notary Public

Mobile Notary
Phonetics: mo-bile no-ta-ry
Function: noun
Definition 1
A mobile notary is a notary who is accustomed and willing to travel to the signer's location. Mobile notaries often visit offices, houses, hospitals, courts, and jails. Mobile notaries usually charge a travel fee which is not governed by state law in most states.

California Notary Public Signing Agent

Notary Signing Agent
Phonetics: no-ta-ry sign-ing a-gent
Function: noun

Before the 1990's, Notary Signing Agents were virtually unknown. Borrowers were expected to travel to the office of a lender, escrow agent or title firm to complete a loan. However, during the past decade, increasing competition in the lending market, a massive volume of refinancing and home-equity loans and demand for faster, more customer-friendly services changed how loan transactions are conducted. Lenders now strive to make transactions as simple as possible and reduce a borrower's travel time during the work week. Therefore, the Mobile Notary came into existence. Another motivating factor for the lenders is that the Notary can eliminate the necessity for the borrower to take up the lender's time during the signing, hence freeing up the lender's schedule for focusing more on creating more loans. A Notary Signing Agent can point out which page certain pieces of information are on. However, the Notary Signing Agent or "Signer" can not explain the terms of the loan or explain documents since that could be considered giving legal advice which is not legal unless you are an attorney of law. A Notary Signing Agent is not a real agent as they are almost always an independent contractor who is self-employed. It is prudent to inform the borrowers that you work for yourself and have no involvement with the lender outside of assisting signing the documents.

Ten E-mail Habits that Send Wrong Message


One day last fall, my colleague Miguel Morales received an email with a sign-off that was so strange, it has stuck in his mind for the last year. It came from Melissa Geisler, who works in digital sports programming and production at Yahoo. Below Geisler’s title and above her cell phone number was this mystifying quote: “The Bird is equal to or greater than the Word,” attributed to someone named, simply, “scientist.”With this and other strange sign-offs in mind, Miguel suggested I tackle the subject of how best to conclude an email.

How to Negotiate Real Estate

6 Simple Tricks for Winning a Negotiation Stalemate
By Laura Agadoni | February 18, 2015

If you and the potential buyer are at a stalemate regarding price, get creative and start thinking out-of-the-box for a solution.

Learn how you can not only play the negotiation game, but also win.

When my husband and I were buying our first house in Georgia, I cringed at the tough negotiating he was doing, as did our agent. “You sound like a fast-talking big city businessman,” she said to him in her smooth drawl.

Refinance Affidavit and Deed Errors Prevalent

Deed and Refinance Affidavit (MD) Rejections Hit an All Time High!

With interest rates at their lowest point in years, and a boom in refinancing and purchase loans, common errors are being blamed for the sudden increase of rejected “Deeds” and “Refinance Affidavits (MD)” from County Recorder’s offices all over the country.
“Notaries are so busy these days, they often do not spend the time to check their work for completeness,” said N. Hamilton, servicing department – Irvine. “Often stamps are placed over text or forgotten altogether.

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