Posted by CA Notary on 5/14/05 1:07am
Msg #37713

Name Affidavit Quicky Q

1st Doc Signing Today, Have questions... what goes here"

Subscribed and sworn to or affirmed before me on this 13th day of May 2005, by ______________ , personally known to me or proved to me on the basis of satisfacotry evidence to be the person who appeared before me.

What goes in the Blank ? My name or the brrwrs?

Reply by AngelinaAZ on 5/14/05 1:32am
Msg #37719

The borrowers name goes here. I'm not sure if CA has the same resources as AZ but it is always good to refer to your Notary Law Primer for your state. There is a section that goes over examples of Acks, Jurats, Oaths... etc. and it simply explains what goes where. Study study study... and don't forget to have the borrowers inital every page of the Deed of Trust even if there is not a pre-printed place for it. It sounds like you are taking your time to go over the documents ahead of time which is good. Take your time to prepare. Also, always verify when you confirm with the buyer that you will need two forms of ID (give them examples of what you need)... you would be surprised at how many people will have only one ID when you need two or try to use something expired. Telling them ahead of time is really important if you want things to go smoothly. Fill out as much of your journal ahead of time that you can, and KEEP CONTROL of your documents.

Reply by calipat/ca on 5/14/05 1:53am
Msg #37720

AngelinaAZ

I never have the borrower's initial the DOT on every page unless it is requested. Why do you think it has to be done all the time? I refinanced 2 years ago and I did not initial all pages of DOT, because it was not stated to do so ans there were no lines to do it, and everything was okay.

Reply by AngelinaAZ on 5/14/05 2:40am
Msg #37721

Re: AngelinaAZ

I didn't do it at the beginning either if they did not specifically ask for it or there was no line and did not have a problem until I HAD A PROBLEM. I was asked to return to the borrower which I did... and soon after started doing additional research and study on docs. I wanted to really know what I was doing and not just blindly follow the closing instructions (I do not mean anything by saying this). In my research and contact with Countrywide, Fidelity, H&R Block, Merit Financial and a few others- (incidentally not all of these companies include lines for the initials) I was informed that indeed, every page of the DOT except the signature page should be initialed. It does not prevent the closing (obviously because I had loans close without it) but supposedly it is the correct way to do it. I appreciate the time that the lender representatives took in answering some questions that had not been black and white for me, it really helped me do my job better.

Reply by calipat/ca on 5/14/05 10:43am
Msg #37762

Re: AngelinaAZ

Hmmmm.....well maybe I should start doing it that way. Thanks for the info. Have a great and prosperous month.

Reply by Ernest_CT on 5/14/05 10:40pm
Msg #37869

No and no.

There should not be any writing on any pages that do not have lines / places for them. If the signing service / lender wants the DOT initialled on each page they will say so. Otherwise, do not encourage the borrower(s) to write on the document.

Do NOT fill out your journal ahead of time! You have no idea what is going to happen: Last-minute cancellation, no-show, refusal, no ID, ... many reasons to do only those entries which are tied to notarial acts. When you have the borrowers' ID in your hands, THAT is the time to make the journal entry and get the signature(s). We should get the signatures in our journals before we begin the actual document signing. That way we can compare the signatures with the ID, and the signer(s) can't refuse to sign our journals.

If the borrower(s) stop(s) the signing, be sure to make an appropriate notation in your journal. You may need it later.

Reply by janCA on 5/14/05 10:20am
Msg #37756

This is a simple jurat. Did you not study this in order to pass the state exam? If you haven't done so, please, take some courses to familiarize yourself with the work you are embarking on. Do not go into a signing blindly. I am not attacking you, I am just amazed to find on this board people asking such a basic question of being a notary.