Posted by MDNotary on 8/17/06 7:40pm
Msg #139177

Questions

Hi All,

I am trying to figure out a few things. If you are signing a set of loan docs and you see the witness line on the Deed of Trust or Mortgage, should you sign as a witness? Also what does it mean when only one borrower is named on the Deed of Trust and ther are two borrowers on the note and all other documents? Also what is a homestead and what does this mean for a non-borrowering spouse? Which docs does that affect?

Any help is greatly appreciated. Thanks.

-S.

Reply by Brad_CA on 8/17/06 7:47pm
Msg #139180

STATE /# OF WITNESSES /NOTARY MAY BE A WITNESS

CT -------------- 2 -------------- Yes
DE -------------- 2 -------------- Yes
FL -------------- 2 -------------- Yes
GA -------------- 1 -------------- No
LA -------------- 2 -------------- N

You do not sign it.

Reply by MDNotary on 8/17/06 7:53pm
Msg #139183

Thanks!

Reply by Brad_CA on 8/17/06 8:08pm
Msg #139189

Your welcome. Here is a better list from Paw's website.

2006 State Witness Requirements (as determined by PROPERTY LOCATION)
--------------------------------------------------------------------
CT - 2 witnesses, one can be the notary
FL - 2 witnesses, one can be the notary - DEEDS ONLY
GA - 2 witnesses, one MUST be the notary
LA - 2 witnesses, CANNOT be the notary
SC - 2 witnesses, one can be the notary

NOTES:
1) FL - Mortgages DO NOT require witnesses, DEEDS (QuitClaim, Warranty, etc.) do.
2) Lenders may require witnesses, even though there is no state requirement.

Reply by NCLisa on 8/17/06 9:05pm
Msg #139201

You forgot SC............2................Yes

Reply by BrendaTx on 8/17/06 8:44pm
Msg #139194

Re: Questions - MD Notary - You are cheating.

You are seeking answers to a test.

Reply by Becca_FL on 8/17/06 8:53pm
Msg #139196

My thoughts exactly. n/m

Reply by MDNotary on 8/17/06 9:17pm
Msg #139203

Re: Questions - MD Notary - You are cheating.

No these are some issues I have come across recently and didn't know what to do when I came to them.

Reply by Sylvia_FL on 8/17/06 10:26pm
Msg #139222

Re: Questions - MD Notary - You are cheating.

Problem is you worded your message almost word for word as it is on a signing services test.

Reply by CaliNotary on 8/18/06 12:36am
Msg #139256

Re: Questions - MD Notary - You are cheating.

That's because he didn't word it, he copied it off a signing service test.

Reply by Sylvia_FL on 8/18/06 9:05am
Msg #139292

Re: Questions - MD Notary - You are cheating.

I know that Cali - I was just pointing it out to him/her
Guess newbies don't realize how many times those questions are asked in here, worded the same way. Must think we were born yesterday.

I have no problem helping members with questions, but not when it is so obviously a test they want the answers to.

Reply by MichiganAl on 8/18/06 1:27am
Msg #139275

Cheater cheater cheater

You're full of it. These are SS questions, and if you can't find the answers on your own, then you're not ready to work for the company that's asking you these questions. We see these same questions posted word for word about once a week, so spare us the false indignation.

Reply by MDNotary on 8/17/06 9:24pm
Msg #139205

Re: Questions - MD Notary - You are cheating.

Maybe you all should ask before you just assume someone is cheating. Thats not a light accusation.

Reply by DogmongerCA on 8/17/06 11:19pm
Msg #139235

It is hard to believe that a Licensed Title Producer

Cannot answer such a basic TEST question. You do know that you have to be a Licensed Title Producer to close loans in MD?????

Reply by Sandy_MD on 8/18/06 8:48am
Msg #139290

Re: Licensed Title Producer-DogmongerCA

Having your Title producers License has absolutly noting with signing documents. When you take the classes and the test it has to do with title documents and mortgage insurance. Not what and where to sign on the documents.

Reply by DogmongerCA on 8/18/06 10:51am
Msg #139314

Let me spell it out for you Sandy

If she could pass the Title Producers testing procedures, she SHOULD be able to pass a basic signing service test without trying to get the board to answer the questions for her. Kapish:-)

Reply by CaliNotary on 8/18/06 12:39am
Msg #139257

Re: Questions - MD Notary - You are cheating.

Give me a break. We've all taken a few signing service tests, we know exactly what is asked and how it is asked.

"Also what is a homestead and what does this mean for a non-borrowering spouse? Which docs does that affect?"

So if this is an issue that you recently just happened to stumble across why don't you give us the circumstances? I can see asking what a homestead is, but what about the situation made you wonder what it meant for a non borrowing spouse? And why did you assume that it affected any of the docs? And since you're not the one drawing up the docs, why do you care what docs it affects? All we have to do is sign what we're sent.

You're not only a cheater, you're a liar. And not a very good one at that.

Reply by Gary_CA on 8/18/06 11:23am
Msg #139321

Finally, an answer and a note to Brenda, Cali, et alius.

I see that your wittness question was answered, but not so the homesteading. Instead of pickin' on ya, I thought a little help might be in order.

Homesteading requires that the property be improved. Specifically domestic and farm water must be obtained and the property must be enclosed with barbed wire within a year from homestead deed. If these improvements are not made the land dreverts to the government agency granting the homestead. For the non-borrowing spouse (usually a non-working spouse) this can mean many hours of grueling manual labor.

Note to senior members of board...

Quit bein' so grumpy. Not nice to call someone a liar and a cheat. He asked a question, give him an answer. See above. Mission accomplished. Lighten up, have some fun.

Reply by CaliNotary on 8/18/06 11:33am
Msg #139324

Re: Finally, an answer and a note to Brenda, Cali, et alius.

No, it's not nice to BE a liar and a cheat. Why is it that the behavior is ok with you, but our identifying the behavior is wrong?

Mission accomplished? The mission of the test was to determine whether this person has sufficient knowledge to do this job. The mission of the signing service is to weed out the unqualified signing agents from the qualified signing agents.

If we just hand these answers over to anyone who asks for it we're certainly not doing the signing service any favors, nor are we doing the borrowers any favors, nor are we doing the industry any favors. The only one who benefits is the unqualified signing agent and the person who gets to pat himself on the back for being "helpful".

Sorry, but I'm more concerned about the industry as a whole than I am about a single person who will most likely go out, screw up a few loans, then move on to the next get rich quick opportunity.

Reply by Gary_CA on 8/18/06 11:51am
Msg #139327

Cali, breath deep, count to 10 and read my answer. n/m

Reply by CaliNotary on 8/18/06 11:55am
Msg #139330

Re: Cali, breath deep, count to 10 and read my answer.

I did read your answer. You basically said there's nothing wrong with cheating and lying, then you did your best to help somebody cheat. I'm sure your mother would be so proud of you.

Reply by Gary_CA on 8/18/06 12:08pm
Msg #139335

One last attempt... sigh ...

A joke's no fun if you have to explain it twice.

I agree, cheaters should be boiled in oil.

But there's more than one way to skin a cat, or a cheater.

If you had read my answer you would have noted (I hope) that there's a lot more BS there than info... it was dripping with sarcasm, I thought.

It was meant as a joke, not a solution, but in fact had our new friend copied and pasted it his knowledge of the business would be made abundantly clear.

Why let the cheaters have all the fun?

Reply by BrendaTx on 8/18/06 12:25pm
Msg #139339

Re: One last attempt... sigh ... Gary...

Hmmmm...I think Cali knowingly perpetuated the joke after reading your answer and then his, Gary. Sniff...an oldie as I am will just STOP identifying cheaters.

Reply by Gary_CA on 8/18/06 12:48pm
Msg #139343

Oh... so you mean... n/m

Reply by Gary_CA on 8/18/06 12:51pm
Msg #139344

Re: Oh... so you mean... (damit)

...you mean I'm a big idiot and I screwed up a perfect ending to my own joke... twice.



I was feeling all picked on and was planning on a final appology "Oh Gary I'm so sorry, you're God's gift to notaries, especially the women" and maybe a few homemade cookies.

But of course NOW Cali's never gonna fess up one way or t'other.

Some days I wish I had chocolate feet.

Reply by CaliNotary on 8/18/06 9:13pm
Msg #139459

D'oh! I pulled a JJ

and stuck my foot in my mouth big time, didn't I. Obviously I didn't read the homestead definition in the post very closely.

I hereby declare myself to be Bonehead Jahari. You can call me BJ for short.

Reply by Jahari Davis on 8/19/06 4:21pm
Msg #139566

Still with the JJ...

Someone tell me when with this mofo will grow up and be a man. Not the questionable man he is posing as now. Not the short man he's overcompensating for being. Not the little boy everyone on the playground hates cuz he's an @$$hole but a real f***in man. Get off the JJ d**k will you? You're like a herpes rash that wont go away with the JJ (now BJ) thing!!!

You talk about me and notary posts? Yes, you post some good info here, but I took a close hard look at your posts. You do more criticizing and slamming of others (myself, and bestcal in particular) that seek info and/or disagree with you than I ever could. This person MD Notary is another victim of yours. Do you have proof this person is cheating? Unless you have 100% proof they cheated, you're 100% wrong! I dont care what their question sounds like or reads like. I could accuse you of some pretty heinous $#!@, but if I never saw you do it then I cant be sure you did. I need evidence proving you did or didnt. With that, I've got you dead to rights, but not before. That's me being fair, even to you. Something you've proven you cant be to anyone other than yourself.

If TC's and SS's really do in fact watch this board (which I doubt, otherwise more people would link to their profiles and use their real names but I'll run with it), take note of this "professional". He is an ass. A professional ass that thinks he is perfect and better than everyone else and picks fights. The high and mighty CaliNotary which isnt even his real name. This is the kind of person you would be dealing with if you use him for signings. A classic narcissist. No one in Hollywood has an ego the size of Cali. God I wish someone would shut him up!!! >X-(

Reply by Jahari Davis on 8/19/06 4:28pm
Msg #139568

Re: Still with the JJ...

Cali, I owe you an apology. You did not level the first accusation that MD Notary was cheating as I posted a second ago. I take that back. However you do take part in the accusing party with no evidence.

Reply by CaliNotary on 8/19/06 5:24pm
Msg #139572

Re: Still with the JJ...

Give me a break JJ, this isn't a court of law. Evidence is not required for me to be allowed to post my opinion. And besides, I am 100% sure he was asking test questions. Nobody comes up with questions like that off the top of their head, and one of those questions has been posted on this board verbatim MANY times.

I seem to remember a recent post by you whining about all the name calling that's done on this board. Could you be a bigger hypocrite? It's either ok to do or it's not, pick one and stick to it.

And I don't think I'm going to lose any work because I call you JJ or call an obvious cheat and liar a cheat and liar. Why you think that has anything to do with my ability to get docs signed correctly is beyond me.

And FWIW, the companies that use me regularly LOVE me, and I've already make $5,000 this month so neener neener neener. So suck it JJ.

Reply by Sylvia_FL on 8/18/06 12:10pm
Msg #139336

Re: Cali, breath deep, count to 10 and read my answer.

Cali
Read the description Gary posted about homesteading. I would love to know that the original poster used that in his/her answer.

Reply by netty45 on 8/18/06 8:59pm
Msg #139454

Re: Cali, breath deep, count to 10 and read my answer.

I think Cali notary needs to lighten up. This site is for sharing information, what makes you think everybody is cheating and looking for answers for a test. You act like you're mister perfect.

Reply by BrendaTx on 8/18/06 9:13pm
Msg #139458

Re: Cali, breath deep, count to 10 and read my answer.

Who can say what they want to on this forum?

1) Cheaters.

2) People who do not like cheaters.

3) People who say we must be kind to cheaters.

4) People who disagree that we must be kind to cheaters.

5) People who cheat.

6) People who accuse others of cheating.

7) People who respond to people who accuse others of cheating.

8) Anyone who has a profile.

You can say whatever you want to say...but you will get a response. If you cannot take the heat, move back from the fire.

Better yet, don't start the fire.

Reply by CaliNotary on 8/18/06 9:16pm
Msg #139460

Re: Cali, breath deep, count to 10 and read my answer.

Yes, because I'm willing to call somebody a cheater and a liar when they're trying to cheat and then lie about trying to cheat, it must mean that I think I'm perfect. What other conclusion could one possibly draw from it?

Reply by BrendaTx on 8/18/06 9:22pm
Msg #139463

Re: Cali, breath deep, count to 10 and read my answer.

*What other conclusion could one possibly draw from it?*

Well...naturally, it means *conclusively* that you "act like you're mister perfect."

After all, netty45 said so.

Reply by BrendaTx on 8/18/06 12:21pm
Msg #139337

Re: Cali, breath deep, count to 10 and read my answer.

I was *totally* ready to kick some Gary-you-know-what until I read Sylvia's post.