Posted by RickinVA on 5/16/06 2:32pm
Msg #120237

Certifying a note

Just got docs for a closing tomorrow. Among the lenders requirements was the borrower is NOT to initial ANY pages, even if there are lines for initials. Is this normal? Never heard of or saw this before. Also the wording on the sig page of the note says: This is to certify that this is the note described in and secured by a deed of trust dated... It has a place for my sig, expiration of commission and the words under the sig line are "Notary Public". I know I can't stamp it, but should I even sign it?

Rick

Reply by AngelinaAZ on 5/16/06 6:19pm
Msg #120289

I have never been asked to make sure the borrower does not initial, even with initial lines?? This seems weird to me and it might be worth a quick phone call to double-check.

As far as the VA note goes... In AZ I cannot certify the contents of a document so whenever I get these for a Virginia property I can't sign them or stamp them. But you are in Virginia... so IF you are allowed to certify the contents then you would be OK. I don't know your state law so if you are unclear on this I would call your secretary of state or do a search on this forum for VA note and browse for answers from other notaries that have asked similar questions.

In VA loans there are many things that cause problems for notaries of other states. You guys have paperwork which combines acks and jurats and I cannot have them together. Whenever I get one of these I know I'm going to be attaching about 20 loose certs and dealing with irate LO's who don't understand why I can't notarize the note... FUN!