Posted by Ocean Pacific Notary Services, Inc. on 6/16/09 11:59am
Msg #292411

Laser Printer vs Ink jet Printer

In a discussion with a notary who printed our docs with ink jet printer, we told her that docs need to be printed on a laser jet. I have been in the business since 1997 - and it would have been a big no-no to print a set of docs on anything other than laset printer. She insists that we are the only ones that require this and in over her 500 signings - it has never been an issue with her and obviously we are the problem.

I have been a notary/signing agent for years and have always printed my doc sets on laser for the same reasons when I worked for a lender - ink jet printed docs can be damaged with moisture and fraud was easier to perpetrate on ink-jet printed docs.

Is there a new industry standard that we are not aware of regarding docs being printed on INK JET printers as an acceptable practice now? Need some feedback from other notaries.

TIA

Reply by davidK/CA on 6/16/09 12:04pm
Msg #292413

None of my clients would permit documents to be printed on an inkjet printer.

Perhaps it might be some new procedure update from XYZ that I somehow missed.

Reply by Linda_H/FL on 6/16/09 12:08pm
Msg #292414

Re: Laser Printer vs Ink jet Printer...MHO

A true professional knows better and doesn't print loan docs with an inkjet printer - doesn't do ANY business with an inkjet, for that matter...and as far as I know it's not acceptable from a lender's perspective - unless, of course, they were stuck at the table with last minute changes and the only thing available was the borrower's inkjet, but that's a stretch.

My .02

Reply by Barbara___IL on 6/16/09 12:11pm
Msg #292415

I was trained by XYZ to ONLY use a laser printer. n/m

Reply by Charles_Ca on 6/16/09 12:14pm
Msg #292417

Laser, laser, laser aall the way...

you are not in business unless you have a laser printer, basically in any business. I'm a commercial real estate agent, a loan broker and an insurance broker as well as a notary. Ink printers are a no-no because they are not properly archivable (is that a word?) anyway, they run if they get wet and some fade with time. Laser p rinting bonds the ink to the paper using heat and mkes it permanent. A notary using an inkjet p rinter is just plain un-professional and would not get any of my work!

Reply by SharonMN on 6/16/09 12:25pm
Msg #292420

Re: Laser, laser, laser aall the way...

How could you even afford to/stand to use an inkjet printer for 500 signings? It would be way too slow and you'd go through way too much ink.

Reply by Teddog/CO on 6/16/09 12:48pm
Msg #292423

Good afternoon Charles:) Laser only all the time

As you said it's the only way for business docs to be printer. Neat, doesn't smear or fade and much cheapier.

Have a great day.

Reply by Yoli/CA on 6/16/09 12:42pm
Msg #292421

Laser ONLY --

each and every client I deal with absolutely requires Laser printer.

Reply by Ocean Pacific Notary Services, Inc. on 6/16/09 1:02pm
Msg #292425

Thank you for the feedback - I was starting to doubt all that good training. We know that sometimes in a pinch, like it was said, you may have to print a doc at borrowers home (i.e. rev HUD), but that should be the only thing done on an ink jet printer....

My guess is that this notary just has gotten away with it until we caught her and I did suggest to her that she speak to her clients and ask if ink jet docs were okay - but they were not okay with me or my clients. She has since called the NNA (what a joke) to confirm that I do not know what I am talking about - LOL.

You are all the best crew ever to have my back best to all and have the best month ever.

Reply by Marian_in_CA on 6/16/09 1:26pm
Msg #292429

You should send her HERE... Laser is the only way to go.

I'm pretty sure even the NNA NSA manual says to use a laser printer... although, it's still packed in a box on the back porch since I've moved and I haven't exactly had a burning desire to go fish it out.

Reply by ReneeK_MI on 6/16/09 1:13pm
Msg #292427

I'd tell her she can call the NNA when THEY hire her ...

Every day I just get more and more blown away by this stuff. I do think some lenders have put the stipulation in their closing instructions, but that would be as a result of people like this person using ink-jet. Having to instruct someone to use laser would be right below instructions to wear shoes and underwear. Some things really ARE just a given.

Reply by Linda_H/FL on 6/16/09 1:22pm
Msg #292428

Re: I'd tell her she can call the NNA when THEY hire her ...

"Every day I just get more and more blown away by this stuff"

I like this one I read elsewhere...

"I am a New Jersey notary and have an affidavit from New York that needs to be notarized....can I notorize my own documents as long as I am in my New Jersey office?"

Scary..

Reply by Gary_CA on 6/16/09 1:28pm
Msg #292430

500 signings? Oh my...

First off, I'm doubting someone that unprofessional --first to use inkjet then to explain to the client that it's their fault-- has done that many signings, but maybe she has.

But stop and think a minute. If only half of those were e-docs... 250 packages of oh, lets say 150 pages times two copies. 75,000 pages printed on an inkjet.

#1 That's an awful lot of money invested in ink over toner. Lets say the laser costs $0.05/page for toner (that's high, mine is under $0.02) Let's go conservative for the inkjet too... maybe $0.15 (oh yes, those $30 cartridges are good for about 5-600 pages at best) $750 down the toilet.

Wait wait there's more!

Have you ever watched the pages come out of an inkjet, even a "fast"one? Anyone up for watching the grass grow??

No, there's no new standard, your only mistake was whatever time you lost in discussion with this idiot.

Reply by Ocean Pacific Notary Services, Inc. on 6/16/09 1:44pm
Msg #292432

Re: 500 signings? Oh my...

LOL - way too funny. Yes, I agree way to expensive to print all those docs on ink jet.
I am glad it was only one signing we did with her and that it will be the last signing.

I did tell her to talk to other notaries on the boards and see what they say - instead she thinks I do not know what i am talking about and I am the one who has issues with it - that is true, I do. So thank you for the positive feedback - and I glad to know that I am not entirely a loon.

Reply by Gary_CA on 6/16/09 1:48pm
Msg #292433

CAR 54 CAR 54

[over radio] "Car 54 we have reports of a vehicle traveling the wrong direction on the freeway, please investigate."

[response] "I'm there now Chief... ALL the cars on the freeway are traveling the wrong direction!"

Reply by Ocean Pacific Notary Services, Inc. on 6/16/09 1:49pm
Msg #292434

Re: CAR 54 CAR 54

I Loved that show - now you are bringing back some really cool memories

Reply by Linda_H/FL on 6/16/09 1:51pm
Msg #292436

Re: CAR 54 CAR 54...yeah...thanks Gary!!

Now I'll be singing that song in my sleep!!

Reply by Dennis D Broadbooks on 6/16/09 4:59pm
Msg #292455

Car 54...Where Are You? n/m

Reply by Dennis D Broadbooks on 6/16/09 5:26pm
Msg #292457

Although It Should Be: Cards 09...Where Are You? n/m

Reply by Gary_CA on 6/16/09 7:31pm
Msg #292478

You're gonna get us in trouble again.

You don't have to look too far for your Cards, just one measly game out of first... have some faith.

Of course they haven't TOTALLY DOMINATED their division with a lead that has never fallen below 7 games like another team we all know and love.

Reply by Dennis D Broadbooks on 6/16/09 8:17pm
Msg #292494

It's Time, Don't You Think...

...to stir the pot a little? The Cards have played pathetically over the past month. Cleveland's Cliff Lee had a no-hitter through 7 innings in their game on Sunday, finishing with a complete game 3 hit shutout. The Cards are fortunate the Brew Crew isn't playing much better & the Cubbies have fallen off the face of the earth (or at least the North Side anyway).

Reply by Gary_CA on 6/17/09 9:40am
Msg #292555

Your Cards gave the Tigers some new stripes last night n/m

Reply by Dennis D Broadbooks on 6/17/09 10:28am
Msg #292562

'Bout Time! n/m

Reply by Marian_in_CA on 6/16/09 2:03pm
Msg #292438

Can you imagine...

The last loan signing I had specific instructions from the Escrow company...

"You must use a dual tray laser printer. We will not accept documents printed on an ink jet device, or on all legal or on all letter size paper. The only exception to this rule is for copies of borrower ID documents that they supply themselves."

All legal I understand... but who prints loan docs on all letter?

Can you imagine this person after reading THOSE instructions? LOL!

Reply by pcooper on 6/16/09 2:52pm
Msg #292444

Re: Can you imagine...

As a side note, HUD is actually trying to get all documents on letter size because so many borrowers are receiving packages via mail these days and many of them only use letter size. I have only seen a few packages that actually comply, but I am surprised when I see lenders still using the old legal size 1003.

As far as this thread goes, I cannot imagine the instructions would have bothered the person much because from what has been posted in this forum the person seems to be pretty confident in their own concept of how things should suit them and instructions probably only get in the way if they were to actually rfead them.

Reply by Marian_in_CA on 6/16/09 3:33pm
Msg #292448

Re: Can you imagine...

Most of the 1003s I see now are letter-sized. I mean, it's been at least 4 years since it came out that size, right? The FannieMae one is dated 7/2005.

I get so many complaints from people about the legal size paper... how it won't fit it their filing cabinet. I do wish letter-size would become standard, but I know that's long from happening.

Reply by LKT/CA on 6/16/09 5:17pm
Msg #292456

Re: Can you imagine...

<<<<All legal I understand... but who prints loan docs on all letter?>>>>

I recently did a loan signing that was printed on all letter paper. Written instructions from the TC said to print on all letter and the SS even called to confirm that I read the instructions and asked, "What size paper are you going to print the docs on?" I said, "Well, the instructions said to print on 8.5 x 11 paper." She said, "Great, you did read the instructions, you'd be surprised how many don't read them."

98% of the requests I get are to print on all legal. Once I was given a chart with the titles of which docs to print letter and which ones to print on legal.

Reply by Marian_in_CA on 6/16/09 6:41pm
Msg #292471

Re: Can you imagine...

Mine are always a mix... and that "chart" is probably from DynamicDox.com. I get those all the time with BofA loans. I don't really pay much attention to it, since my printer drivers do all the work for me. I just keep the trays full!

Reply by John Schenk on 6/16/09 7:00pm
Msg #292475

Re: Can you imagine...

The only ones I get that AREN'T a mix are the property tax loan closings. Those are letter sized, and only about 34 pages. Everything else is mixed, although I still have a couple clients that require me to print ALL on Legal paper, and for the most part they're scanned in that way, even if they could be letter sized paper. Out of curiosity when they tell me to print all on Legal I click through the .pdf to see how they are being read, and almost every page shows up as legal, even if at least half of them could have been on letter. Just costs more to print it.

JJ

Reply by rengel/CA on 6/16/09 2:16pm
Msg #292441

I have a feeling that this was that notary's first and only

signing. No lender would accept a package printed on an inkjet.

My .02

Reply by Marian_in_CA on 6/16/09 2:33pm
Msg #292443

Re: I have a feeling that this was that notary's first and only

It does seem that a lot of newer people exaggerate the number of signings they've done. Telling me you've done 500 signings or 5000 really means little, as far as I'm concerned. You can do as few as 5 and manage to still get it right.

That's why I don't publish the numbers I've done. I've done enough to know what I'm doing 99.98% of the time but not quite enough that I feel comfortable to brag about. Maybe once I get to 10,000 I'll be comfortable...but maybe not even then. Besides, that number changes almost daily, so it's really no big deal to me. I figure my works stands on its own, and the companies that call me back do so for a reason.

Reply by MW/VA on 6/16/09 3:31pm
Msg #292447

Yeah, right. Printing w/inkjet is like screaming that you don't know what you're doing.
I know some local notaries that do this kind of thing. I'd almost bet she shrinks docs to letter, too. IMO you can't be around in this business & not know that laser printing is required. It's not an NNA thing either--it is the industry standard.

Reply by JanetK_CA on 6/16/09 4:05pm
Msg #292451

"Often wrong, never in doubt"...

Scary, dangerous people. Don't know what they don't know, but are so convinced they're right that they don't learn anything new. I hope I never get to the point where I think I don't have more to learn. That will be the time to hang up my stamp!!

"My guess is that this notary just has gotten away with it until we caught her."

That was my first thought, too.

Reply by Marian_in_CA on 6/16/09 5:31pm
Msg #292458

FOUND IT... for the record... NNA's published opinion

I can't believe I actually unpacked a box of books for this. But hey... it's one less box on my patio!


"She has since called the NNA (what a joke) to confirm that I do not know what I am talking about - LOL."

I think the only thing she confirmed is that the idiots who man the NNA's phone don't know what THEY are talking about.


Page 240 of the NNA's own "Notary Signing Agent Certification Course" 6th Edition (2007).

"Laser Printer

If the Notary Signing Agent has the capability to receive loan documents sent via e-mailed files, then a laser printer with the capability to print legal-sized documents will be needed to print out the originals and borrower's copies of the loan documents."



It then has a small end note, which refers to page 491:


"Use of a laser printer is preferred over an inkjet printer, since the ink from an inkjet printer ia less permanent and may smudge. The Notary Signing Agent should inquire whether lenders will accept documents printed on an inkjet printer. In addition, laser printers have become more affordable and toner costs might be significantly less than ink cartridges for an inkjet printer."

Reply by Linda_H/FL on 6/16/09 5:46pm
Msg #292462

Re: FOUND IT... for the record... NNA's published opinion

"The Notary Signing Agent should inquire whether lenders will accept documents printed on an inkjet printer"

Can you see any SA worth their salt asking this question? The response would undoubtedly be "that signing's been canceled" - and they'll find someone else!!!

Reply by Marian_in_CA on 6/16/09 5:52pm
Msg #292463

Re: FOUND IT... for the record... NNA's published opinion

HAHAHA.... nope!

I can see if a very, very, very brand new notary in training may ponder it for a moment...or somebody completely and totally unaware of technology.

But common sense and practicality would make them say, "Yeah... that's not a good idea!"


Fortunately, that sentence is on the end notes at the back of the book where I doubt few people read.

Either way, it's clear that even the NNA is telling people to use a laser printer. It's just plain common sense. It's worth noting of course in a paragraph of needed supplies, but taht's about it.

It's like a chef cutting with a butter knife and using an EZ Bake Oven. Sure, it can be done... but, it's not industry standard at ALL.

Reply by nolanotary on 6/16/09 6:12pm
Msg #292465

Only use an inkjet to print pictures...everything else is laser jet. 500 closings with an inkjet??? I just don't see how that is possible.

Reply by Stamper_WI on 6/16/09 6:16pm
Msg #292466

Wonder how many ink jets she's gone through? n/m

Reply by John Schenk on 6/16/09 6:23pm
Msg #292468

Here's what I use:

Canon IR5570 (55 ppm) with two 1000 sheet letter trays and two 500 sheet legal-sized trays, 20GB Hard disk, 512 MB RAM, and print resolution of 2400 X 600 dpi.

Gets the job done. LOL

JJ

Reply by John Schenk on 6/16/09 6:24pm
Msg #292469

I didn't really have anything to add...just didn't want to be left outta this thread. LOL

JJ

Reply by Marian_in_CA on 6/16/09 6:37pm
Msg #292470

Droooool. I like that printer...

My office isn't quite big enough to hold a big machine like that. I settle with my two Brothers.

Reply by John Schenk on 6/16/09 6:56pm
Msg #292473

Re: Droooool. I like that printer...

Well, in Texas you gotta have a bigger printer. LMAO

JJ

Reply by Marian_in_CA on 6/16/09 7:00pm
Msg #292474

Re: Droooool. I like that printer...

My husband is a native Texan... I'm ALL too familiar!! LOL

Reply by John Schenk on 6/16/09 7:02pm
Msg #292476

Re: Droooool. I like that printer...

He would be proud of me for reminding you then! ROFL

JJ

Reply by notaryinmo on 6/16/09 8:38pm
Msg #292498

and to think that I find my HP P2035 (it has a dual tray but not dual cassette trays) to be my new favorite office machine. I only use it for Notary papers, leaving my poor lil color inkjet for the normal everyday color stuff...lol

Reply by Linda_H/FL on 6/16/09 6:21pm
Msg #292467

I just hope she reads here so she gets the message.. n/m

Reply by OR on 6/17/09 12:46am
Msg #292524

Re: WOW I miss out today. Laserjet for sure. Hey my dog...

My dog today ran to bark at the UPS guy and pulled the usb cord and the jack right out of my little tiny HP Laserjet 1018. I am glad it wasn't the end that went into my lap top computer. Thank goodness I have (ok Had) 2 HPlaser printers. Ocean Pacific you can still call me. I can print out doc's with my big dog HP 3050. I now get to buy a new HP. I want a little tiny one again. I am shocked they are now $100 bucks more then I paid for my 1018 2 years ago.