Posted by Mung/CA on 12/17/05 3:53pm
Msg #83152

SOS notary lists?

Does anyone know if there is a list of notaries available for public viewing? Thanks.

Reply by Jenny_CA on 12/17/05 9:32pm
Msg #83192

I'm a bit confused, there are many places where you can search by zip, state, and so forth and find notary publics. What do you mean?

Reply by Mung/CA on 12/17/05 10:40pm
Msg #83208

something similar to the DRE...........

website where you can look up a licensed real estate salesperson or broker. I'm talking about a state-maintained list.

Como estas?

Reply by Jenny_CA on 12/17/05 11:18pm
Msg #83214

Re: something similar to the DRE...........

I don't know of any. As far as the SOS is concerned I know they do list people/companies that are approved to teach the notary classes.

Estoy bien chico, just wondering how to hadle the person I told you about. Her husband knows my husband and manages the bank where we bank. Sometimes it's a small world here in the valley and we can come across the same people.

ps. glad it's not foggy today :-).

Reply by TitleGalCA on 12/18/05 12:04am
Msg #83217

As a TC employee, I have available to me, through the title plant and database that serves my company, a "notary database". I have to enter the county first (where the notary took their oath) and the last name. I get all the potential matches for that last name. This helps me alot in locating notaries when their certificates are not filled out correctly and the document will not record because of their mistake.

Daily recordings are posted to the title plant and the information is obtained from the recorders office. The same is true for notary information.

All the information is indexed and considered public. If you were to present yourself at your county recorders office (speaking for CA only as that's my area of knowledge) you should be able to search for notaries in your county. I don't believe the CA SOS has the information available on their website - however, I've never had to look for it there.

Reply by Jenny_CA on 12/18/05 1:26pm
Msg #83247

Re: TitleGal notary lists?

This is interesting, then TCs don't have to recruit from internet sites if they have their notary database? I suppose that the database works both ways, you can locate a notary for corrections or contact the ones that have a good "track" record.

I see some SAs post that they are "error free", how do they know for sure. What if someone like you at the TC just decided to call another notary to make a correction instead. Does that happen?

Reply by BrendaTx on 12/18/05 1:59pm
Msg #83260

Re: TitleGal notary lists? Great question Jenny, I'd like

to know the answer as well.

I would have thought if I'd have made a mistake, I'd be required to fix it.

Reply by Jenny_CA on 12/18/05 2:51pm
Msg #83266

Re: Brenda Tx

I don't recall specifics , I'm pretty sure it's been more than once, but I've read that a second sa was called to fix the original sa's mistake. I may be mistaken but I think PAW mentioned this before.

I'd like to know if I had made a mistake.

Reply by ReneeK_MI on 12/19/05 6:13am
Msg #83315

'error free' misconceptions - long response

From my past experience in wholesale lending, I can tell you these simple truths:

1. E & O's that are caught and can be repaired by T/A prior to sending to lender, will most likely be repaired on-the-spot and nobody will bother to spend even the time it takes to make a phone call to you. If it's bad enough to be 'laughable', there may be repercussions - and if you're a repeat offender, you'll probably just start thinking your phone is broken.

2. Once it gets to lender, again if something CAN be repaired on-the-spot, most likely it will be. If it doesn't involve a notarization but needs borrower's original signature - it will probably be over-nighted to borrower direct, either by lender or title. Sometimes L/O's are called to act as runner, if logistically possible.

Docs that go back FIRST to a SS would be the ones you'd more likely hear about - that's because they would not want Title to even be aware of any E & O.

Title and/or lender will operate first under the MOST expedient means of repair - that's priority, and that's why 90% (personal guess) of E & O's are things you'll NEVER even hear about. Lenders have more leeway than you might believe - doesn't mean they don't WANT things to be this way or that way, but when push comes to shove, and if it's an uncommon occurrence, they will use the 'exception' rule whenever possible, to keep the machine going.

So - let's say you miss a doc and it doesn't get signed, and it's a lender's doc.

If it goes to SS first, odds are you'll be called immed. But RARE is the pkg that gets returned to a SS. Typically, it goes to Title Agent - they discover unsigned lender doc. If it's a lender they have good relationship with, they may call and say "can you fund w/out this and we'll send direct to Borrower?" If it's not a common occurrence with particular SS or SA, nobody will likely even bother to mention it - just GET it FIXED. If it slips past T/A and goes to lender, lender discovers unsigned doc - if loan can found w/out it, that's it, it's just made 'an exception'.

I spent years in wholesale, auditing thousands and thousands of closed pkgs, could write a book on errors - human nature definitely comes into play. If you experience a high rate of errors with a particular individual or agent, you will begin to get pickier with them and force the issues more aggressively, equal to your frustration or amazement level! If there's a good working relationship, E & O's are infrequent and 'common' (missed date, missed sign), then there's more acceptance and willingness to team-play.

My main point though - 90% of all E & O's are just repaired by whomever finds it in the most expedient manner, and that doesn't often involve an additional 5 minutes to call and tell you about it. UNLESS it's laughable, over the line, or you're a repeat offender. This leaves a lot of people with the FALSE impression that they are 100% error-free - which is a claim nobody should really believe. I've never, ever had anything come back, but I know better than to surmise I am 100% "error-free" - enough to post that public ally, because that kind of math just doesn't work.

Reply by Blueink_CA on 12/19/05 12:04pm
Msg #83399

Re: 'error free' misconceptions - long response

Thank's for the info Renee. I've been watching this thread because I too always wondered what happened after I dropped off the docs. Your words were quite humbling though as I thought that since I wasn't called and informed of any errors (and was always paid) that my work was error-free. Now I know that is not always the case. This business is truly a team effort!

Reply by Jenny_CA on 12/19/05 4:08pm
Msg #83456

Re: 'error free' misconceptions - long response

Thank you, this is very insightful. I am printing your post and am going to file it.

The form I always wonder about is the Preliminary Change of Ownership Report. If the borrowers don't know how to fill it out I have them sign it and send it back incomplete. I keep thinking someone is going to call me on it.

Reply by Brenda Stone on 12/19/05 5:41pm
Msg #83473

Re: 'error free' misconceptions - Great post, thx! n/m

Reply by TitleGalCA on 12/18/05 6:30pm
Msg #83296

Re: TitleGal notary lists?

No....I wasn't clear enough in my post. The "database" is simply a compilation of information from the county recorders office, eg. who's taken the oath in that county, and some VERY basic information, such as their address. A Notary Public is an Officer for the State, their information is public knowledge as well.

For example, if I log in and type the name "Smith" it gives me every Smith in the county I asked the database to search. If I typed in "Jenny Smith" in Ventura, I might not find you Jenny, but if I as the same information in Fresno, I would be able to locate you, as a notary public who's oath and bond are on file in Fresno County (I know there's no "fresno county" it's just an example).

I need the date base for two reasons: 1) if I have to locate a notary for them to fix an error; or 2) if their stamp is smeared and it is not readable when reproduced, I have to affix an affidavit with the correct information, which I've obtained from the database.