Posted by Lake/NWI on 3/18/07 7:31am
Msg #180435

EMBOSSER?

When you press the embosser, WHERE do you place it on the doc? Thanks.

Reply by BrendaTx on 3/18/07 9:58am
Msg #180446

Re: Embosser?

You have probably already figured this out but embossing is not preferred by lenders. If you emboss you need to use a special pad to bring out the impression writing for copying sake.

To answer the question you asked: You emboss the same area you would place a stamp/seal.

Embossers and seals are good for things that don't need to be copied and little else.

Sometimes people are a little disappointed when you don't use those anymore...but, it would take a long time on a Texas package to emboss and then use a pencil, stamp pad or crayon (lying on its side to glide over the raised area to give color). We usually have 15-20 notarizations in each normal loan package.

Reply by Ernest__CT on 3/18/07 12:32pm
Msg #180470

Sorry, Brenda. I politely disagree.

Nearly everyone expects an embossed seal. CT does not REQUIRE an embossing seal. Nor does CT require an ink stamp. In CT the only requirements for a signature to be fully notarized is the signature of the Notary Public and the explicit statement of the date of the expiration of the Notary's Commission. I use an embossing seal, plus an ink stamp that gives my name, "Connecticut Notary Public", and "My Commission expires mm/dd/yyyy".

Yes, loan packages can contain notarizations++. No, the impression does not have to be shaded BY THE NOTARY. The impresssions of my embossed seal photocopies quite nicely. When it ceases to copy well I'll purchase another embosser.

To answer the original question, use your seal and stamp in any blank space in or near the notarial block. NEVER emboss over (on top of) your signature!

Reply by Dennis D Broadbooks on 3/18/07 12:43pm
Msg #180472

I Don't Agree...

...with your statement: "Nearly everyone expects an embossed seal." With over 6 years of loan document signings under my belt I have yet to have a single TC, lender, or signing service say they expect an embossed seal to be placed on a document. Not one. It's not been in any instructions I've received, it's not been implied in any conversations I've had, & needless to say I've never had a document returned for corrective action because an embossed seal wasn't applied. May I ask where you've been instructed that it's "expected"? Is this specific to CT?

Reply by Calnotary on 3/18/07 12:55pm
Msg #180477

Re: I Don't Agree...

I had a set a loan docs from New Mexico, it was a split signing and I was the second notary. All notarized documents came with an embosser, I called the hiring entity and asked if New Mexico was Ok because this first notary used only an ambosser, I was told it was fine. But you cant really see if the the docs were notarized with an embosser.

Reply by JanetLA on 3/18/07 8:20pm
Msg #180520

Re: I Don't Agree...

In Louisiana our signatures are what notarizes (signatures on file with our SOS for verification), our commissions are for lifetimes (never expire) and there is no official seal, embosser or any other. Having said that, I purchased one that has my name, state commission number and "commissioned for life" and stamp it below my name. I rarely use an embosser but I have both... Nobody has ever asked for the embosser on loan docs in all the years I have been doing it. I agree with Dennis as far as it pertains to my experiences here. Have a good week you all.

Reply by BrendaTx on 3/18/07 1:08pm
Msg #180480

Texas had a law passed awhile back in the late 80's to

require we use an embosser and color it or that we use a stamp. At least this was what I learned while working for a lawyer in the early 90's. Can't cite it for you. I speak from a Texas perspective.

Reply by ewing2surf on 3/18/07 1:22pm
Msg #180485

Re: Texas had a law passed awhile back in the late 80's to

I still have a round "inker" with a little folding wire handle on the back that is made just for the purpose of "inking" an embossed seal. This action takes talent and LOTS of practice.

Reply by sue_pa on 3/18/07 3:17pm
Msg #180504

how things change

...NEVER emboss over (on top of) your signature!...

PA removed our requirement of an embosser almost 4 years ago - although it's still optional to use. I put that embosser in my bottom desk drawer and have never taken it out since then. Thank you legislators.

When I learned to notarize, "a few short years ago", we ALWAYS embossed directly over our signature. Everyone did it that way. About 10 years ago our local recorder said they would no longer accept docs with it covering our names. They gave us a grace period because it was the common way to notarize in my county.

Reply by Lake/NWI on 3/19/07 1:04am
Msg #180527

Re: Thanks for your replies

I service 3 counties. Recently I was told tht ONE of the counties definitely REQUIRED an embosser and the regular ink stamp before it can be recorded.

Reply by NCLisa on 3/19/07 6:36am
Msg #180546

When I worked as an EO at TC's, I hated getting embossed docs back from a NSA. Was a pain to copy them, and we make a lot of copies. Same thing at attorneys offices I've worked in, you can emboss all you want to, just not loan docs. With the numbers of copies you have to make of wills now to, embossing is impractical. I for one can't wait to see the embossers fall off the face of the planet.

Another problem with them, is in NC, if you don't have a 1/2 side or bottom margin, the county charges an additional $25 "non conforming fee" to record the doc. 90% of the notaries that use embossers get the seal in the margin and that fee has to be paid.

Reply by Ernest__CT on 3/19/07 1:14pm
Msg #180618

OK, folks, some clarifications.

The "everyone" that expects an embossing seal to be used is the general public, especially people of A Certain Age.

No lenders, title companies, signing services, brokers, document recorders, et cetera, have told me NOT to emboss. Some of the above have required an embossed seal. If other people's experience is different, then that's their experience.

Yes, getting the impression clear, not going on top of any wording or signatures, and away from the edges of the documents is sometimes a challenge. On some documents there simply isn't room for the embossed seal. Then it's a choice of a loose certificate or no impression.

As for the embossed seal being too close to the edge, the design of some embossers precludes them from making their impression more than x inches from the edge.

It is likely that some states require an embossing seal to be used and it is optional in other states. Each Notary Public must follow the state laws and rules that apply to their situation. As long as we stay within those laws and rules, we can do as asked by specific lenders, title companies, et cetera.

Can we put this topic to rest now?