Posted by Simple Solutions Notary Service - JoAnn Baracosa on 1/29/07 12:39am
Msg #173056

Has any one ever ENOTERIZED

NNA. is sying that they have done one in PA. Is any one else doing it? We all do EDOC' s Docs via Email. But what about notarizing electronicly. UPS/?FEDEX sign for packages with a computer pad. Any one know anything about it?

Reply by Margaret_FL on 1/29/07 6:00am
Msg #173060

I just got my electronic seal last week and I have not used it yet.

Reply by Gerry_VT on 1/29/07 7:56am
Msg #173066

Re: Has any one ever ENOTARIZED

I wonder if Margaret_FL would tell us which vendor she obtained the electronic seal. Also, is it along the lines of a digital certificate like you get from Verisign, or is it along the lines of an image file that is put into a document, but is somehow protected so not just anyone can use it?

Reply by hcampersFL on 1/29/07 9:12am
Msg #173078

Gerry I believe Margaret has already said

she got her seal from the NNA. It was in an earlier post.

Reply by sue_pa on 1/29/07 8:44am
Msg #173075

The NNA didn't 'do' the one in PA. They were awarded the contract from the state for the digital certificate needed during our - can't remember the official term - initial test phase. While I don't understand how it actually works, how can anyone purchase anything when they don't know what will be accepted in their own state? Also note that in the one year test phase there was ONE recorded deed and that was orchestrated by a large company and was done by their in house employee. I am in PA and I personally feel that this will not come down 'to the field' for quite a while. I would NEVER spend any $$$ on this unless and until I am told by my clients it will be required - it's not going to sneak up on us - no one is going to make random calls some day looking for someone to close a loan the next day. PA has now entered it's second year and it will be exactly as the first year - no changes - of course I've got no idea why but perhaps because with ONE recording there aren't any kinks to work out yet. By the way, mortgage satisfactions have been recorded this way in one county for several years.

Reply by Margaret_FL on 1/29/07 9:57am
Msg #173094

You can only get an Electronic notary stamp if your state accepts it. You have to apply for it just like your regular seal. It is only good for 1 year. You can notarize a "Word" document or a "PDF" document. You would need an electronic signing pad like Enjoa to get the digital signatures. This is not just going to happen in the loan signings, it is already being done with my husband's company. It only cost $58 and why not be ready and trained. This has always been my philosophy and it has worked for me so far. While people are sitting around waiting for loan signings when it is slow, I looked for something else I could do to supplement my income. Now people are emailing me everyday, HOW CAN I DO THAT?

Reply by Marlene/USNA on 1/29/07 4:42pm
Msg #173178

"You would need an electronic signing pad like Enjoa to get the digital signatures."

No, you don't need Enjoa, Margaret. You can apply your digital certificate to a PDF document without it. We had one of our notaries electronically notarize a document that had to arrive in Arizona before the close of business that day. The notary opened the client's PDF from the client's website (could also be on a CD or diskette), the client signed it with an electronic signature. The notary notarized it with her digital certificate and then emailed the executed document to the recipient in Arizona.

This was not a fully electronic transaction, as the recipient was not going to electronically record the document.

And it's all contingent on what your state allows by way of eNotarization, of course! Pennsylvania has extended Phase I for another year, meaning there are some restrictions that make it unlikely eNotarization will take off in the state, at least not this year.

Reply by Margaret_FL on 1/29/07 9:38pm
Msg #173226

I said you would net that to get the borrowers signatures on a loan signing. I know you can use it on a PDF or Word document, but you can not do the borrowers signature without a signature pad.

Reply by Gerry_VT on 1/30/07 12:50pm
Msg #173303

How the borrower signs a digital document

If I were the borrower, when I came time to sign the digital document, I would instruct whoever has the document (probably the notary) to transmit it to my PC so I can sign it with my digital certificate. I would control my digital certificate through the use of a password on my PC. If the notary told me I had to sign using the notary's PC, I would refuse. If the notary agreed, I'd sign it, then transmit the signed document to the notary so the notary could sign it.

Now from what I read, most of the schemes being put forward don't seem to provide for the borrower to sign with his/her own PC. In my view these schemes are fatally flawed and I hope they die a swift death.