Posted by ManyBell on 2/25/05 11:36pm
Msg #22573
Affidavits Of Indemnity As To Debts, Liens
Has anyone seen this document before, Affidavits Of Indemnity As To Debts, and Liens it is three pages and each page has a place for notarization the first page state that seller, owner, contractor or builder must complete paragraphs 2,3,4, and 5 in their own handwriting I am trying to figure which page does the notary notarizes should all three pages be notarized?
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Reply by Sylvia_FL on 2/25/05 11:56pm
Msg #22575
Please fax the 3 pages over to me and let me take a look - my fax number is 321-234-9266
- and include how i can contact you after I have taken a look at the pages.
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Reply by BrendaTX on 2/25/05 11:59pm
Msg #22577
Great Minds Sylvia! LOL! nm
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Reply by BrendaTX on 2/25/05 11:57pm
Msg #22576
MaryBell, I do not know what state you are in, but if you want to fax it to me, I will tell you what I would do in Texas.
877-548-2536
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Reply by ManyBell on 2/26/05 12:15am
Msg #22580
I am in the state of Texas and I tried faxing you guys but the line is busy Thank you so much for taking the time to help.
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Reply by BrendaTX on 2/26/05 12:18am
Msg #22582
Just came. Will let you know.
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Reply by Sylvia_FL on 2/26/05 12:30am
Msg #22583
I got the fax OK - and as it appears you are in Texas I forwarded it to Brenda for her input.
But- my two cents:
As you notice the first page needs filling out by the borrower, they are swearing that they are over the age of 18, that their marital status has not changed since they aquired the property (and they need to fill in the property address there), and that they have been known by the following names (basically an AKA statement),then #4 is that they are stating that all bills for labor performed and material furnished for any improvements have been paid - and they add on those lines any exceptions - if none they should state so, so there are no blank lines.
Same with item 5, they are saying there are no loans or unpaid debts etc - and they need to fill in the blank lines.
Then on page 2, itme 6 is that all taxes up to and including the year (and they need to insert the year) have been paid in full, and they release ??? (agent? - need to find that info from the company, so there is no blank space) from further responsibility etc.
They sign it and you will fill out that notary certificate.
Page 3 is an individual acknowledgment (alhough it has the jurat wording), and a corporate acknowledgment.
Just ignore those, you will already have notarized the document on page 2.
Brenda - do you concur???
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Reply by BrendaTX on 2/26/05 12:50am
Msg #22584
Sylvia, Yes I do, with one exception. You and I concur, but the title company might not. I would only use one jurat for both borrowers, however I just did one of this identical form from same lender/TC I bet. TC had put flags on the notary certs - the jurat on page 2 and the page 3 jurat incorrectly called an ack.
They sent it directly to borrower post signing appointment with a letter that said it had not been completed at the signing appointment. Plus also another two docs. That's not true. We all three remembered them...they had copies.
A few days before they had sent them a General Warranty Deed and said the same thing.
The GWD had NOT been sent before. I would have definitely remembered it. They offered to pay for them to get a notary for the last job.
I found it very interesting they did not ask me to fix it directly. But, actually, I had recently stopped accepting assignments from them via fax to them, but I figure if they really thought it was my mistake they would have sent it to me and said FIX.
I won't publish who the combo of the two are but I don't take the jobs any more because they cancelled 7 of 9 in two months and one of two I did caused me to go back 2 times. I could have refused but I was darned curious. I went because it was close and I liked the borrowers...they were young kiddos....I am a sucker.
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Reply by Sylvia_FL on 2/26/05 1:12am
Msg #22588
If they wanted both certificates filled out, I would fill one out for each borrower - would not put two notarizations on a document for same signers, but one for each I would do.
Becca
When I get those Chase docs with the two notary certs on, I fill out one for each borrower (don't forget that will count as two notary fees for the SE tax exemption)
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Reply by Becca/FL on 2/26/05 1:35am
Msg #22592
Good point. I never thought to do that.
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Reply by BarbaraL_CA on 2/26/05 12:12pm
Msg #22622
SYLVIA - Question re: note to Becca
You said "When I get those Chase docs with the two notary certs on, I fill out one for each borrower (don't forget that will count as two notary fees for the SE tax exemption)"
Since you follow FL law and I'm in CA maybe that is what is confusing me. I would put both names on one - even though the form would only contain one notary seal you are still notarizing 2 signatures. The names are entered into my journal (one name per journal line per document) - that would be 2 fees.
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Reply by Sylvia_FL on 2/26/05 12:33pm
Msg #22626
Re: SYLVIA - Question re: note to Becca
In Florida we can only charge $10 per notarization, no matter how many signers are on the certificate. I know in California you can charge per signature
So, if there are two notary certificates on the document, I will fill one out for each signer - so two notarizations at $10 each instead of one.
Does this "unconfuse" you?
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Reply by BarbaraL_CA on 2/26/05 1:13pm
Msg #22632
Re: SYLVIA - Question re: note to Becca
Thank you Sylvia - no, you didn't confuse me... if I were in FL I'd do the same as you :-)
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Reply by Reginald Wilks on 2/26/05 12:38pm
Msg #22628
Re: SYLVIA - Question re: note to Becca
BarbarL_CA
When you said that would be 2 fees. Do you get the same fee x 2 or do you just get one fee at the regular rate and then a lowered fee? The reason I asked is a ss asked me to do a loan signing and the seller would be there and I would need to do the contract. She gave me my regular fee for the loan and a reduced fee for the seller portion of the notary. Did I get flim flamed?
Reggie
Kansas
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Reply by BarbaraL_CA on 2/26/05 1:19pm
Msg #22633
Re: SYLVIA - Question re: note to Becca
Reginald,
It's up to the notary what to charge (in CA you can charge any amount UP To $10 per signature). Personally, I charge $10 per signature, but I give a 10% discount to Seniors and Military.
If you were comfortable with the fee at the time, then you're ok. If you are 2nd guessing yourself, then perhaps the next time you can negotiate a bit more. JMO.
Barb
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Reply by Reginald Wilks on 2/26/05 9:11pm
Msg #22692
Re: SYLVIA - Question re: note to Becca
BarbaraL CA
Your right I am second guessing myself. I think I should have asked for more and I think I could have gotten it.
Reggie
Kansas
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Reply by Becca/FL on 2/26/05 12:53am
Msg #22585
Ahh, kinda like a chase cert. Two (or thee, as with this case) on one page, yada yada, yada.
But, just a three page borrowers aff?
You can tell when a Title Co. is owned by an atty.
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Reply by BrendaTX on 2/26/05 1:08am
Msg #22587
Funny thing about this document The ones I get and the one MaryBelle had both had mis-numbered pages.
Page 1 of 3
Page 1 of 3
Page 1 of 3
There was a Jurat Title with Jurat wording - really p2
An Ack Title with Jurat wording - really p3
An Ack for Corporate with Ack wording. really p3
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Reply by Becca/FL on 2/26/05 1:37am
Msg #22594
Ahhh - you mean the Title Co. may have messed up?
Gee, that's news to me.
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Reply by Becca/Fl on 2/26/05 12:15am
Msg #22579
Don't forget to let us know
I've not seen this either. I'm curious to know, why three Notarizations for one doc?
Sounds like a "catch all" form drawn up by an attorney.
Please let us know, ladies.
Thank you
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