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Notary Public in Toms River, New Jersey
Welcome to the notary public and signing agent listing for Toms River, New Jersey, where you can find a qualified notary to assist with a loan signing or any other notarization allowed by law. Notary public profiles in this archive were current as of 12/31/2013.
Notary Public in Toms River, NJ
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County list: according to our records, Toms River is in or near the following county(ies):
Ocean, Atlantic, Burlington, Monmouth
INSTRUCTIONS: To view detailed profiles, click the ZIP Code link in the list below to access our notary search engine. On that page, click Search. Locate your notary in the search results.
Walter Hertz

Search in ZIP Code: 08753

Over 8000 notarizations: known for my reliable, common-sense approach to closings; references from more than fifty-five companies including Real Estate Title, ALO., 24-7, LoanClosers, Preferred Title, Performance Title, VIP Close, Bancserv, Titlesource, and others.

E-signing and Reverse Mortgage Certified.

Accept documents via E-Mail, E-Fax, or Mail.

Additional printing charge for documents via E-Mail, E-Fax or Copies.
Duplex Printing – Dual Paper Trays.  Can Print Legal and Letter

Further travel available for an additional fee; Rates are negotiable –

Contracts available;  Direct Deposit for Payment(s) available.


Most software available, including Swiftview, Rakis, Adobe Acrobat, and Desert Docs, Lender Support Systems. Able to print PCL 3 thru PCL 6. Duplex Printing – Dual Paper Trays. Can Print Legal and Letter. Top of the line computer system with high-speed access via FIOS.

Certifications and Memberships:

Certified & Background Screened Mobile Notary Signing Agent; Member of 123notary, NNA.,, NJ NNA, American Society of Notaries, Notary Rotary.

*Please check out my web site for additional information*


Consistently reliable & professional


Service areas include Ocean, Monmouth, Burlington, Atlantic and Cape May Counties

 This profile was last updated on 12/30/2013 9:36:00 PM.
 24 Hr Service: Yes
 Has Laser Printer: Yes
 Home Inspections: Yes
Recent Notary Talk Threads Authored by this Notary:
Posted by walthtz at 12/24/2013 7:34:00 AM
What I do not understand about the lower fees,
If we look at a HUD from when our fees were higher, the charges are lower than today.
I could understand that if the title company was giving a break on their fees to the consumer, then it would be why our fees are lower. But, in most cases that I have seen, the charges on the HUD are higher now than they were when we were getting the higher fee.
I, myself keep a copy of the signed HUD in my records, I can go back & compare the HUDS.,
It is really amazing.
I guess it just proves that the Title companies are ALL very GREEDY!
Posted by walthtz at 12/24/2013 6:44:00 AM
I would like to wish all Notaries a Very Happy & Merry Christmas! & and a Very happy Holiday to ALL !

Hopefully Santa will get the message that all us Notaries would like a raise in fees!

Thank You.

Walter in NJ.
TS App
Posted by walthtz at 12/20/2013 10:15:00 PM
Maybe someone has the answer?
I have the TS app on my IPhone.
When i go do the required update, I get a message that the connection my my phone has been lost & to try in a few minutes. Now, I have spoken to the Carrier who in this case is Verizon; they say after checking that there is no problem with the phone. I also have spoken to Apple who also say there is no problem. I have tried to speak with TS about this & try to speak to their techs, but they refuse.

What do you do?
Posted by walthtz at 10/24/2013 7:53:00 AM
A document in a package that has the following tittle:

Permission to Provide HUD Statement and TIL Disclosure Statement to Broker

Then the BR's Sign.
Then the following:

I, the undersigned, a Notary Public in and for the jurisdiction aforesaid do hereby certify that all of the parties who have signed above are personally known to me as the person(s) who executed the foregoing instrument bearing the date of
-- -------------' personally appeared before me in said jurisdiction for the purposes herein contained.

Witness my hand and official seal this the day of _

Notary Public

Residing in County My commission expires:

Now, This is NOT a Notarial wording.
There is NO wording here that says Acknowledged or sworn by & the wording is also incorrect, where it says: personally known to me, which the BR;s are not.

So, your thoughts?

Dodd-Frank Mortgage Reform
Posted by walthtz at 10/20/2013 7:39:00 PM
One of the after-effects of the recent financial crisis is the passage of the Dodd-Frank Mortgage Reform. Once the changes come into effect in January of 2014, it might be harder for you to qualify for a mortgage.

What's the reason for the reform, you wonder?

Well, some financial services companies were underwriting loans and then selling them to lenders. Because they were getting very lucrative upfront fees for originating these loans, some of these companies gave loans to people that couldn't be reasonably expected to pay them back.

So, the Dodd-Frank Act was passed in 2010 to try and stop this kind of predatory lending practice, according to Mitchell D. Weiss, an experienced financial services industry executive, author, and adjunct professor of finance at the University of Hartford. And now, the act is being reformed to protect consumers even further.

Let's take a closer look at eight factors you'll need to consider to qualify for a loan once the reform goes into effect in January.

You'll need enough income or assets to cover your mortgage payments.

It's probably pretty obvious why your income is something important for lenders to look at when determining how much you can afford to borrow - and it's something lenders have been taking into consideration for a long, long time.

"If you go back to the beginning of mortgage lending, you had what we call the 'Four Cs' of traditional lending: capacity, cash, credit, and collateral," explains Hollensteiner.

"The Dodd-Frank Act is very much a literal explanation of those. So when we talk about the borrower's ability to repay the obligation, it's all about the borrower's capacity," Hollensteiner says. By capacity, he's referring to the borrower's income or assets and whether it's sufficient enough to make the monthly mortgage payments.

You'll have to prove employment - or income from self-employment.

One of the surest ways to guarantee income is to have a job. So, this is another pretty obvious thing for responsible lenders to ask potential borrowers about.

"This is as important today as it has always been," Hollensteiner says. "Do you have a position that will be here tomorrow? We can't predict the future, but if a lender finds out a borrower's job will expire prior to the loan closing, that might cause the lender to reconsider the borrower's profile." Without another job lined up, a lender could worry you might not be able to pay the mortgage.

Where this gets a bit trickier is when it comes to self-employed borrowers. If you're an independent contractor, your jobs might only last a few weeks or months - and that could make it hard to convince lenders you're a safe bet.

"Self-employed borrowers have to show a two-year track record of having been in the same business, along with two years of federal tax statements to show their income," Hollensteiner says.

If you're self-employed and thinking about applying for a mortgage, it might benefit you to talk to a mortgage professional to find out what you'll need to prove your income.

[Thinking of applying for a mortgage? Click to compare interest rates from multiple lenders now.]

You'll need to prove you can afford property tax and homeowner's insurance.

In addition to principal and interest payments on your mortgage, you'll also have to pay property taxes, homeowner's insurance, and possibly additional fees like a homeowner's association (HOA) fee. The Dodd-Frank Act wants all of those taxes and fees to be clear to borrowers up front.

"Lenders need to document every payment associated with the property and what it entails," says Hollensteiner. "It's important for the consumer to know what the total payments are for the property."

You'll have to factor in the amount you pay on any additional mortgages.

This factor applies to homeowners who might take out more than one loan on their home, like a second mortgage or a "piggyback loan."

The Dodd-Frank Act simply requires lenders to include both payments (for the first and second mortgage, in this example) when they're figuring out whether or not a borrower is qualified for a loan.

Believe it or not, some lenders previously weren't including the payment on the second mortgage in their calculations - even though it's money the borrower will be expected to pay every month.

You'll need to provide full disclosure of any additional properties you own.

Do you own a second home somewhere? If so, all mortgage-related costs for all of your properties should be included in a lender's calculations to determine if you qualify for a new mortgage under the new reform.

"This would pertain to any properties the borrower owns. Investment properties, second homes, vacation homes, etc," says Hollensteiner. "The lender needs to have full disclosure to the total monthly obligations on all the borrower's other properties."

If you pay child support, you'll have to calculate that in, too.

Maybe you don't have a second property, but you do have to pay alimony or child support every month.

That will also be taken into consideration, as lenders will be required by law to include things like alimony and child support in their calculations. Although the Federal Housing Administration takes this factor into consideration already, it may not be common practice across all lenders.

"The borrower might qualify based on income and debts alone, but monthly alimony payments could have a major impact on their being able to pay," says Hollensteiner. "If the lender doesn't include those obligations, the lender could be helping the borrower get financing that he or she won't be able to continue paying down the road."

You'll need a debt-to-income ratio that's lower than 38 percent.

One of the major tools lenders use to determine whether a borrower qualifies for a new loan is the debt-to-income (or DTI) ratio.

"The monthly debt-to-income ratio calculations have been in the lending industry for - probably forever," says Hollensteiner. "What we're seeing today in the industry is that the maximum DTI range is 38 to 41 percent of the borrower's gross monthly income." That's the highest DTI lenders typically consider when determining whether or not to qualify someone for a mortgage, Hollensteiner explains.

To calculate your DTI ratio as a percentage (which is how lenders typically consider DTI ratios), divide your monthly debt repayments by your gross monthly income (before taxes), and multiply that number by 100. But why is the DTI ratio so important?

"It validates you've got a loan that meets the definitions of a safe loan," says Hollensteiner.

You'll need a clean credit history, and a good credit score.

You probably know that your FICO credit score can be used for everything from determining what interest rate you'll pay on your credit cards, to whether or not you qualify for financing on that new car loan. It should come as no surprise, then, that it's important to lenders, too.

"Going back to the 'Four Cs' of traditional lending, credit has always been considered," Hollensteiner says. "It is tremendously important, and it is a great indicator of how likely the borrower is to repay the obligation."

So it might be worth getting a hold of your credit report and doing whatever you can to improve your score. Pay your bills on time, every time. Dispute any errors on your report. A little effort now could pay dividends down the road when it's time to apply for your mortgage - that's how important your credit history is.

As Hollensteiner notes, "even in the dark ages of business, every lender - even if they didn't look at anything else - looked at a credit report."
Wells Fargo cuts 925 more mortgage jobs
Posted by walthtz at 10/17/2013 3:32:00 PM
I guess it's gonna be a long while before things pick up ......

(Reuters) - Wells Fargo & Co , the largest U.S. mortgage lender, is laying off 925 employees in its home loan unit as rising rates cut into demand for refinancing.

The San Francisco bank provided a 60-day notice on Wednesday to the workers whose jobs will be eliminated nationwide, a spokesman said in a statement. The bank will continue to evaluate its staff levels in response to market conditions, the spokesman added.

Wells Fargo's mortgage unit is in a "transitional period" as higher interest rates in recent months have made refinancing unappealing, chief financial officer Tim Sloan said on an October 11 conference call with analysts.

The bank made $80 billion in home loans in the third quarter, down 42 percent from the same quarter last year and the slowest quarter for home loans since the second quarter of 2011.

Interest rates on a 30-year mortgage stood at 4.46 percent in the week ending October 11, according to the Mortgage Bankers Association. That's down from a high of 4.80 percent in September but well above the 3.59 percent mortgage rate from early May.

As mortgage revenue declined, the bank aimed to eliminate jobs to save on expenses. In the third quarter, 5,300 workers in Wells Fargo's mortgage unit were notified that they would be laid off.
Posted by walthtz at 10/13/2013 9:52:00 PM
There has been a lot of talk lately about low pay from various companies.
My question is what is a fair profit margin that we Notary Signing Agents
Should be looking at. I have been involved in this business for many years
And my fees are not low but as of lately the fees we get are dropping.
Which makes me wonder why???

PRETTY PLEASE. ONLY serious answers should answer.
Posted by walthtz at 10/1/2013 11:50:00 AM
Had a client call & set me do an appointment for them.
They asked me if it was OK to put my name & fee on the HUD so I would be paid right away?
Was wondering since this is the first time I have been asked this whether this is OK or not & if OK, when why not more companies do this?
Is there a drawback to this being done?

Posted by walthtz at 9/25/2013 2:33:00 PM
Hello, Quest?
What do people do with used Journals? I know when our commission is up, they turned over to the state(at least in NJ) but what do others do with the filled up up ones?
I was thinking of a Safety Deposit Box, but they seem to be expensive.
There are a lot of ID information in those books.
REAL Suggestions?
Posted by walthtz at 9/19/2013 2:38:00 PM
Just found out that there is a major outage in the Toms River - Brick area for Verizon Cell phones.
There is NO estimate of when service will be restored.
Posted by walthtz at 9/12/2013 9:30:00 PM
Not sure if this has been asked before, but if so, please direct me to the message. I could not find anything in my search.
Ok, get docs from Title company., Instructions state for me the Notary to sign as a witness on the mortgage.
I do not believe that I can do this. I am in New Jersey & this is a New Jersey property so Witness's are not required.
Your thoughts?
Names Different
Posted by walthtz at 9/11/2013 11:20:00 AM
Can anyone explain why in a loan package a persons' name might be different so many times?
The BR: JON Q JONES 3RD (name is an example)
That way on the Mtg & Right to Cancel.
Some of the docs just say jon jones
a few of the docs have the Middle Initial
Some of the docs put the 3rd after the name.
It seems very confusing unless the company is doing it to catch us up.
Posted by walthtz at 8/23/2013 7:51:00 AM
What do Notaries keep as proof that they did the work & what do you keep for tax purposes?
Most of us keep a Journal, but if you should get audited, then the Journal may not be enough.
Posted by walthtz at 8/20/2013 9:11:00 AM
Does anyone scan the package or at least the Notarized pages before sending the package back?
Reason I am asking:
A company sent the package back to me in e-mail saying that I made an error. Upon looking at what they claimed the error to be, I was unable to do what they wanted because of the state laws.
When I looked at what they sent, I noticed that they made changes to the documents I notarized.
I did not think that changes could be made to a document after the document is notarized.
In this case, the embosser stamp impression was colored over & other info was added.
My feeling is that if this ever made it to a court, unless I had a copy of what I did, how would I be able to say those changes were not added by me.

Michael Edmonds Ocean Notary Services

Search in ZIP Code: 08755

I have been working as a signing agent since 2001 with years under my belt as a certified and background checked Notary the job is done once from the start. Over the years I have signed thousands of loan documents from HELOC, Purchase, Refi, Reverse, RESPA and many more.†

Servicing Ocean, Monmouth and parts of Burlington Counties go with known proven agent.†

Also offered is general Notary work, 24 hour service available please call for rates.†

 This profile was last updated on 12/27/2013 6:59:00 PM.
 24 Hr Service: Yes
 Does Fingerprinting: Yes
 Has Laser Printer: Yes
 Home Inspections: Yes
Recent Notary Talk Threads Authored by this Notary:
TS app driving me crazy
Posted by ME/NJ at 9/9/2013 11:07:00 AM
This weekend had a few signings, then off to kids first soccer game of the season and family BBQ. During the game phone rings and I get a Quicken deal through a live person, thanked them very much for calling. Around 3:30 during BBQ I look at my phone and have two notices that TS had posted jobs, of course they are gone already because I did not have the phone out in the open every second of the day and only get a beep when they send it.

I hope no one gets hurt when they send a alert in NJ, judges have left the doors open to go after people who send messages now. ( I dont agree, should be the person with the phone but NJ is the king of lawsuits)

I am glad Title Source is reading the forum
Posted by ME/NJ at 9/6/2013 7:55:00 PM
I would hope things on how and who gets notified with the APP. I heard about long time people in MI where they rolled out the app first losing a lot of income and I can see this happening here in NJ, and I would venture the same in NC.

I've worked with them for years and thought I was a valued asset with the volume I do month after month. They need to review this app and keep the loyal hard working people who do large volume each month without issues. I can tell you right now this app has cost me at least $600 this month and this is only the first week the app is out.

Maybe if the folks who get tons of work write in maybe we can get them to review the app process and procedure.

Title Source App
Posted by ME/NJ at 9/4/2013 9:03:00 PM
After my long talk with a rep at Title Source tonight this app will kill me, in the last two days I lost out on 6 appointments. The rep said someone in less then a minute clicked ok in my area, they know the person had no time to check there schedule at all. They rolled it out in MI, NC and Parts of NJ. All Quicken deals will go through the app at this time.

After our talk I know what to do, notaries from MI and NC have complained about loss of business and being highly rated gives you a 20 minute advantage before the appointment is sent to next level, but being booked in less then a minute why bother.

So if you don't have your phone duct taped to your hand and visible at all time with a finger ready to push watch out. I got a total of 8 alerts in two days and only got 2.

Non OEM toner replacements
Posted by ME/NJ at 9/4/2013 4:01:00 PM
I am on my third company in one years time, it is hit and miss with the non OEM units some are great and some are horrible from the start. All the companies are great and will replace the defective units it is a time thing with me. I had to send back 4 units and a shipment got lost in UPS system so I bought two OEM units and if it was not for the cost $90/ each I would use them all the time.

One company had a 30% defective rate, the price for non OEM has gone up still cheaper then OEM 3:1 ratio on cost.

Anyone find a solid company with free shipping and hardly and defective units. I order 10/month
Everyone enjoy your holiday weekend (end of summer)
Posted by ME/NJ at 8/30/2013 2:59:00 PM
Looks like everyone on the east coast bugged out early today..
Title Source app
Posted by ME/NJ at 8/30/2013 11:17:00 AM
Was sent the link to download it today and test it, does it do more then just show me my schedule? Seems about it right now.
My thoughts on August
Posted by ME/NJ at 8/29/2013 4:45:00 PM
Business has slowed compared to the last 4 months, I met my numbers for this month, if not for all the cancelled deals last week it would be better. September is starting with a bang so far I have 7 lined up till 9/6 and should get a few more by the 6th. People say to market but when the whole country is slow you market but there is no work for loan signings. GNW in NJ won't pay the bills.

I see people posting that they have or are looking for pt gigs, I would say if you count on this as a ft gig and had a slow August you should be looking for something and not wait and hope. Hope does not pay the bills. Most ARs should be gone by the end of Sept. Even my AR is on a 21 day turn around (the only good thing about 30 day payments or later you stretch out money due) quick AR will kill you when things go bad, need to replace income faster.

For September I am hoping LOs push the ARMs again.
Got this great offer to do a business inspection
Posted by ME/NJ at 8/27/2013 7:35:00 AM
The company outlined what it wanted and how long it would take (1.5 hours of total time for everything but getting to and from). They offered $15 for this job. If someone takes them for that price in my area please email me, I'll pay you 15 to wash my car.

I replied back that this is NJ and your offer for $15 for 2 hours of my time and use of car is below min wage in this state. They reply back that it has been 4 years since I last logged in and would I like to be removed from there system. Go ahead and remove me.

Had another one last week offered $25 for the same thing, I just ignore them now. 7 years ago this was a great thing to do they paid $50 a shot and would take one day a week line up 3-5 of them and be done by noon.
How low and how long will a person go before they say no
Posted by ME/NJ at 8/25/2013 8:32:00 PM
I'm curious, I think the current mark in my area is $60 with edocs in my area and 60 days. I say $45 with edocs will be the new low for desperate people. At that point they might as well pay them to do the job.

Sad fact is there are so many Notaries and so many people desperate to make a buck.
Number 6 just cancelled this week
Posted by ME/NJ at 8/21/2013 10:48:00 AM
Plus turned down a couple that most likely would need to chase the money. I would of made my numbers this week if not for all the dropped deals.

Almost every deal this week the BO had to write a check and rates over 4.75. I know it's only Wednsday but most of my business is scheduled well in advance.
This will be the first week in many months
Posted by ME/NJ at 8/20/2013 2:11:00 PM
I will not hit my goal number, had 5 deals cancel this week on me. Hope EOM week goes better.
Monday has hit me full force today
Posted by ME/NJ at 8/19/2013 12:33:00 PM
With home things and half of my appointments cancelled.. Ugh is it Tuesday yet. Unless something changes this will be a very slow week for me.
30yr rate all over the place this week at table
Posted by ME/NJ at 8/16/2013 11:40:00 AM
It ranged from 3.5 to 5.65 all fixed, guess some took longer to get to table then others.
Took the Title Source training that you have 30 days to do
Posted by ME/NJ at 8/14/2013 1:34:00 PM
woooo tough
You know it's slow when companies are already booking EOM
Posted by ME/NJ at 8/13/2013 8:15:00 AM
Last week had a company book two for EOM and most likely it will not cancel they rarely do with this company. Did 4 yesterday and now nada for rest of the week for now. Big vacation week and back to college week also noticed with the lack of summer rentals with Sandy that I have had no out of town signings this summer. I would get a hand full each summer not this year.
This made my day when I got home tonight.
Posted by ME/NJ at 8/12/2013 9:45:00 PM
Did the week improve for most of you?
Posted by ME/NJ at 8/9/2013 3:18:00 PM
Advance scheduling has slowed down over the last couple of weeks for me, one-two notice has increased. Next week have 4 but they are all for Monday and nothing after that with mid month close only a hand full. Seems to me mid month does not matter anymore.
Turned back one of my deals today because of borrower
Posted by ME/NJ at 8/9/2013 11:59:00 AM
Was set for this morning, confirmed the appointment on Wednesday he asked if I had the paperwork so he can review it and ask LO questions. The BO lives in a very religious town next to me and sometimes the people are a pain when signings happen. He called twice yesterday and asked again, I said he needs to contact who he is working with. It's 5pm and he leaves a message and I still did not have the paper work after that I turned it back and it was one of my better clients.

I just could not take him anymore, hope it went well for the back up.
A first for me with a HARP deal
Posted by ME/NJ at 8/9/2013 11:50:00 AM
For the last year I've done tons of HARP signings and yesterday I did my first HARP ARM 10 year adjustment. Wondering if this will be something new. Starting rate was 3.5 could go down as low as 2.5 or as high as 8.5 when adjustment kicks in.
HARP deals kicking in again in my area
Posted by ME/NJ at 8/7/2013 10:37:00 AM
All deals this week are HARP or FHA loans with the PMI. One this morning has to pay 400/month PMI OUCH.. Had one signer do a deal he was only saving 30 dollars a month.
Wonder if my backup will do the job
Posted by ME/NJ at 8/6/2013 8:35:00 AM
Had a signing yesterday for one of my big clients, The spouse's ID was 1 1/2 years expired and I did not take it. She has medical issues and the company would get someone else to do this. I wonder who in Ocean County will do this one.

I should of known this would of been a bad deal, waited 20 minutes outside home and as I was walking away he pulled in, spouse was bed ridden. I suggested he should get a POA with her condition to make things easy for them.. He did not want to hear that.
3rd week in a row future scheduling has dropped
Posted by ME/NJ at 8/2/2013 12:50:00 PM
Went from 20,9 and now 4 I could of had 6 but did not get to the phone fast enough. Now most of us see a slow down the first week but I do 10+ the first week of each month.

This week was big money loans, half the deals were for 1 million plus.
Hungry Notaries in my area
Posted by ME/NJ at 8/1/2013 8:43:00 AM
Got a email about a job 1 mile from my home, click the link and gone already. I clicked the link in less then a minute from the time I got the email...
This may help lower rates again
Posted by ME/NJ at 7/31/2013 1:24:00 PM
This was one of the reasons given for the sharp increase in rates last month. Feds will keep buying bonds for now.
Quicken Ads
Posted by ME/NJ at 7/31/2013 12:08:00 PM
Two weeks ago, if your rate is above 4% we can help, yesterday if your rate is above
Looks like some free time after Wednesday
Posted by ME/NJ at 7/29/2013 3:03:00 PM
Catch up on other things, maybe pull my daughter from camp and have a daddy daughter day. First time in months I can say I'm

Hello ARMs
Posted by ME/NJ at 7/26/2013 12:04:00 PM
4 out of 5 deals today ARMs... That will be the next wave again plus new HARP program.
The slow down has started in my area
Posted by ME/NJ at 7/25/2013 2:11:00 PM
It's Thursday and by this time half of next week should be booked up, last week had 7-8 pre booked week before 20+ and now 0..

also rates have gone up on most 30 yr deals each week, 3 weeks ago under 4 last week 4.16 this week 4.35 and up.
Wish everyone a good EOM tomorrow
Posted by ME/NJ at 7/25/2013 10:45:00 AM
Had nothing early yesterday and 1 bank, 1 borrower and 3 home loans in one shot, plus one in afternoon. I can call it an early day if I want.
should be some crazy post by end of next month
Posted by ME/NJ at 7/23/2013 7:40:00 PM
Hold on vets, see the post already below. I think some changes should be made with SC. I see companies that have gone bad or are bad with a 3 star rating. Example good company 2007-2011 2012 till current no pay slow pay and has a 3 star rating. I know most smart people would not work for that company based on current reviews.
Is the hassle worth the wait
Posted by ME/NJ at 7/22/2013 3:37:00 PM
This week is slow for me only 7 lined up now till Thursday, I turned down 3 this week all of who have met my fee but one (FASS) between fax backs ASAP or will get paid but 35-40 days I would just say no right now because my rolling AR is 21 days and has NEVER been this quick. Figured let someone else in my area have the fun.

Nothing for Friday EOM, think it will be a lite one unless a bunch of lower rate locks are pushed. Avg 30 yr I am seeing now 4.16 for last week or so.
Just saved myself a big future headache
Posted by ME/NJ at 7/16/2013 9:19:00 AM
Had a job scheduled tonight, thought I had worked with company a couple of years ago. The fee was XXX then the package came and it was over 200 pages. I said I cant do this for that fee and they offered 30 more, I came back with my new fee. While waiting for a reply seems this company went bad in the last year.

I get a call back saying my fee has been approved, then I say sorry per reviews on NR you no pay or slow pay and I could not work for your company.
Have two vendors who use to pay 21-27 days from signing
Posted by ME/NJ at 7/9/2013 9:29:00 AM
Change payment schedule now pay 30-35 days from "funding". Reason given is only paid once a month now, I've heard this before and know it's true, just getting harder and harder to keep this up full time without another source of income. Both companies are good and well known.

You 50 dollar guys, can't believe you can do this at all waiting 45-60 days for money. Your cash out of pocket and time vs waiting for return of cash you are always behind never catching up or ahead of the game.
Starting to see new rates at table and ARMS
Posted by ME/NJ at 7/8/2013 9:25:00 PM
Had 5 deals today, 30 yrs range from 4.15 - 4.30 everyone wished they had started sooner. Plus had two ARMs with 2.35-2.75 rate.

I think ARMs will be the next wave if rates stay up and people will roll the dice.

William Kozlik

Search in ZIP Code: 08753

Hello, Iíve been notarizing documents since 2003 and I am committed to your complete satisfaction. Iím available 24/7 and will travel up to 1 hour from the Toms River area. My background is Real Estate and holds a New Jersey Brokers License. I am an Eagle Scout who will hold the highest level of trust and confidence to all of my clients. I am insured, have a very fast high quality printer, can provide duplicate documents to my clients and a CD copy if requested. Iím very familiar with the Ocean/Monmouth county areas and have a GPS to help get me to any destination. Iím looking forward to be working with you. Thank you. William Kozlik
 This profile was last updated on 8/19/2013 8:48:00 PM.
 24 Hr Service: Yes
 Does Fingerprinting: Yes
 Has Laser Printer: Yes
 Home Inspections: Yes
 Weddings: Yes

Barbara Blake

Search in ZIP Code: 08754

Always accurate, dependable and on time! I have completed notary closings for Citbank, PNC bank, JP Morgan Chase Wells Fargo, Bank of America and the Navy FCU among others. My background has been in the real estate and mortgage industies for the past 34 years. In the mortgage field, I originated, processed & underwrote residential mortgage loans, served as Supervisor of Loan Processing, and as Correspondant Loan Purchaser. Currently, I am Broker/Owner of a real estate agency and co-owner of an approved, real estate lincensing & continuing education school. I serve as a Director for the Monmouth County Association of Realtors and am an active committee member. In addition to my Real Estate Broker's license, I hold both a Real Estate Instructor and Title Insurance Producer's licenses. Business reference, E & O Insurance and Background Check are available upon request.
 This profile was last updated on 11/5/2013 1:29:00 PM.
 Has Laser Printer: Yes
 Additional languages: Sign Language

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