Posted by Peggy on 8/17/05 11:44am
Msg #59632

Closings

I have completed 4 closings w/out error but I do not feel comfortable with all the documents. I reside in South Florida. Would someone please suggest where I can learn more about these documents, individual state laws, who requires a "witness" signature, if I can be a "witness," etc. It would be greatly appreciated.

Reply by TitleGalCA on 8/17/05 12:24pm
Msg #59642

If you do a search for message 33325 you'll find several posts about the names/abbreviations about types of docs and how to get familiar with them. Also if you do an internet search with some of the common docs (HUD1, TIL, etc) you can find sites where some of these docs are explained. If I remember right, Brian CA came up with a super comprehensive list of abbreviations.

For me, I don't worry too much about making myself familiar with other states laws - CA laws keep me busy enough! I believe there are some specifics about witness' in FL tho, I'm sure one of the many FL notaries can help you with that, or again, do a search on the forum and you'll find many questions answered.

Reply by MistarellaFL on 8/17/05 2:11pm
Msg #59673

Witness requirements in FL pertaining to mortgage docs are 2, one of which can be the notary on Deeds of Conveyance: Warranty Deed, Quit Claim Deed, etc. Mortgages recorded in FL legally do not require witnesses, even though you may see spaces for them on the signature page. Some lenders require 2 witnesses and they will let you know in their closing instructions.
I personally would recommend the SigningRegistry.com or Just Point and Sign for better explanations of all the docs. Your notary handbook has all the information about your notorial responsibilities.

Reply by MelissaM/FL on 8/17/05 8:35pm
Msg #59777

Unless the lender specifically prohibits you from being a witness to the document you are notarizing, you can serve as one of the witnesses. As for learning Florida's notary laws, there are a lot of threads here and at GoMobile that specifically address various documents. If you do a search, that should help you get more familiar.

One suggestion is to print out a set of loan docs and look through them thoroughly to try and establish how they go together.

Where in South Florida are you? I'm on the treasure coast. If you'd like, you are more than welcome to email me at [e-mail address]. Hope putting my email address is kosher over here.