Posted by CJ on 7/20/07 11:28am
Msg #201002
Filling out the notary paragraph
Hi Everyone,
I know that in notary class, we are taught to cross out and circle words in the notary paragraph. Sometimes I get the second half of a two-borrower loan, and the previous notary has not done it. I was wondering, how many of you people fill out the notary paragraph, and how many let it go, and if you do let it go, do they ever get kicked back? Just wondering.
Thanks. 
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Reply by Sylvia_FL on 7/20/07 11:32am
Msg #201003
What the previous notary has or has not done is not our concern.
Just make sure you fill out your notary certificate correctly as per your state's notary laws.
On a two part signing, you will probably have to attach your own loose certificate
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Reply by TRG_wy on 7/20/07 11:45am
Msg #201009
I agree.
I absolutely NEVER touch another notary's venue "space". If I see an obvious error on their part I will attach a note to the first page of the package.
I have noticed: missing signatures, dates, commission expiration line empty, seal over text, seal smeared or bad impression, and the issue that you initially mentioned.
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Reply by NCLisa on 7/20/07 11:50am
Msg #201010
commission expiration line
In NC the commission expiration line does not have to be completed if our seal has the expiration date incorporated into it.
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Reply by PAW on 7/20/07 12:10pm
Msg #201012
Re: commission expiration line
Many times, it's NOT the notary laws of the state that dictates if the "Commission expiration" date is filled in, it is the lender or title company policy. If it's there, why not fill in it? It doesn't take too much time, effort or ink. Besides that, leaving it blank creates a "blank space" on the document.
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Reply by NCLisa on 7/20/07 12:15pm
Msg #201013
Re: commission expiration line
I NEVER fill it in and I've never been asked to. Actually, it takes a lot of effort to fill it in. I even have a stamp with just my name on it. I've said before that after 2 failed wrist surgeries, the more I write, the more I want to cry. I don't write in anything I don't absolutely have to.
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Reply by Kathy/ID on 7/20/07 12:32pm
Msg #201016
Re: commission expiration line
In the State of Idaho you are required to fill this in. It cannot be on your stamp either.
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Reply by TRG_wy on 7/20/07 12:18pm
Msg #201014
Re: commission expiration line
Agree.
Here in WY that line is required as part of the venue and hence it must be filled in. I hate having to write that entire line on so many pages because nearly half do not even have it.
My seal does have my expiration on it (not required however because the state requires it outside the seal), but to comply with state law I must still write it in. Not requiring it on the seal would save money in not having to purchase a new seal every four years, but I feel it is more professional to have it included (it is optional, as is the state seal).
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Reply by Kathy/ID on 7/20/07 11:36am
Msg #201004
If the paragraph is not up to my state laws I would change it.
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Reply by janCA on 7/20/07 11:37am
Msg #201005
I always cross out what doesn't apply and underline what does.
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Reply by Lee/AR on 7/20/07 11:51am
Msg #201011
Most TCs have somebody with a quick pen to 'fix' little oversignts. I cross out non-applicable words with one neat little line, but don't circle 'correct' one (i.e., his/her/their)
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Reply by TRG_wy on 7/20/07 12:21pm
Msg #201015
I suspect the TC do have "editor/proof readers".
I do line through the non-applicable and circle the correct. Over the years I have read where documents have been tossed out of court because of this seemingly simple little thing. It is there for a reason.
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Reply by John_NorCal on 7/20/07 1:06pm
Msg #201024
In the past I would neglect to cross out the inapplicable words and never had anything kicked back, but having said that I do now cross out what is not applicable. I feel that doing so further identifies the signers. However, I won't ever correct what another notary has or has not done.
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Reply by Joe Ewing on 7/20/07 2:28pm
Msg #201038
Since you are commissioned in California I can help. Not filling in the paragraph is not completing the acknowledgment. The penalty for not completing the acknowledgment is a fine and possible suspension.
NEVER complete another notary's acknowledgment.
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Reply by Joan Bergstrom on 7/20/07 10:45pm
Msg #201081
Joe is absolutely correct
Last week I did a loan signing for a Riverside County Recorder and it was a good opportunity to ask some questions about our CA Deed of Trust.
I've done over 3500 loans and this was the first Recorder in the counties I cover.
What is the most common reason a Deed of Trust doesn't record because of notary error?
Answer: notary forgot to put "notary public" after their name on the Before me...............line
What's number 2?
Answer: Notary didn't spell the borrower's name correctly or the name wasn't legible
i.e. print if your handwriting is bad.
The others were pretty obvious: no stamp/no signature by notary or borrower.
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Reply by CJ on 7/21/07 5:47pm
Msg #201163
I had a stamp made
I had a stamp made that has my name, then "notary public", I think in a 10 point font. I stamp that thing all the time, and it helps a lot.
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Reply by Christine Maddox on 8/3/08 6:13pm
Msg #258349
I'm fairly new at this, and have a question - on some loan docs there is what I would call an acknowledgment. I'm required to sign as the notary, but the page does not ask for my seal or expiration date. Other ack pages do. Should I put my seal and expiration date on ALL pages with an ack?
TIA!
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