Posted by Belinda/CA on 4/18/11 8:54pm
Msg #380330

Jurats and Acknowledgments in a Loan Package

Hello everyone. My teacher always told me there was no dumb question, so here goes. Does every document in the loan package that requires notarization have Acknowledgment or Jurat wording already on it/with it? I understand it may not be for my state. I am concerned I will have a document in my package that I was supposed to know to notarize and didn't because it did not have wording on it. Can you tell I'm new? :o)

Reply by HisHughness on 4/18/11 9:06pm
Msg #380333

If a document is supposed to be notarized, it will come with some form of notarial certification.

That is not the most important thing you need to know as a new signing agent, however. Far and away the most significant thing you need to know is that if you <ever> charge less than $100 for an edoc signing, your fingernails will all turn black; you will develop a permanent case of massive intestinal gas that will manifest itself primarily in church and at weddings; you will begin to look pregnant and if you accept more than one such signing you will actually become pregnant and DNA tests will establish that Mike Tyson is the father; small dogs will treat you like a fireplug and large dogs will treat you like a squeaky toy; your underarm hair will become razor resistant and begin sprouting branches with blossoms that smell like the stinking corpse lily of Sumatra; and you will be elected a delegate to the Republican National Convention pledged to Donald Trump.

Take heed. You have been warned.

Reply by Ireneky on 4/18/11 10:03pm
Msg #380355

HisHughness you're too funny Best Laugh I've had all day n/m

Reply by sueharke on 4/18/11 9:07pm
Msg #380334

Always carry loose attachments for Ca acknowledgements and jurats. If you have an out-of-state loan package without the correct California wording, you need to write a loose attachment.

Yes, some forms are deceiving as to whether they need to be notarized or not. One signing service I work for, Prolink, generally lets me know if there is an unusual form that needs notarization. These sometimes come from loan companies that have unique forms or unique situations concerning the loan.

Some out-of-state forms that state the work "acknowledge" or "subscribe", read the form carefully. If you put in an extra unwanted notarization and it really was needed, it makes you look good.

Reply by SheilaSJCA on 4/18/11 10:00pm
Msg #380354

I don't quite follow what you said

I don't think I read your post right? You said: " If you put in an extra unwanted notarization and it really was needed, it makes you look good."
How can an unwanted notarization make you look good? I think it would make it look like you don't know what you are doing.
Are you talking about an extra loose certificate or just randomly notarizing an extra document? I don't quite follow your train of thought.

Reply by Susan Fischer on 4/18/11 11:00pm
Msg #380365

Hi, SheilaSJCA. Sometimes, the pre-printed certificate is

incomplete, for instance, it may not contain a Venue/Jurisdiction, or a Notary signature line, or... When you physically complete the certificate according to your State Law, you have done your Notarial Job, and completed a Notarization with no drama.

Sometimes, you may receive a second signer's docs where all of the pre-printed Notarial Certs were used for the first signer. You will need to attach loose Certificates that comport with your State's laws for your signer.

When you understand your function and the rules under which you operate, things get easier - which I believe was her message.

Reply by JanetK_CA on 4/19/11 1:36am
Msg #380376

Re: Hi, SheilaSJCA. Sometimes, the pre-printed certificate is

I think SheilaSJCA was just wanting to clarify whether or not the original poster was adding an "extra" certificate for good measure. Or were your comments directed to the OP? I'm pretty confident that Sheila knows exactly what to do with any notary certs.

Reply by Susan Fischer on 4/19/11 11:24am
Msg #380429

Yes,'M, thanks, Janet. sorry Sheila. n/m

Reply by JAM/CA on 4/19/11 3:32pm
Msg #380516

Subscribed simply means "to sign". Different story if it says, Acknowledged, Subscribed and Sworn to. Never add an extra loose certificate. Docs coming out of Texas often have acknowledged and sworn to. I call and ask if they want both an Acknowledgment and Jurat or one or the other.

Reply by BrendaTx on 4/18/11 9:31pm
Msg #380345

That's one of the best questions I have ever

read from a new person, Belinda.

You are on target to think of that because notaries are often presented documents to notarize and there are no notary certificates included.

Fortunately, I don't recall seeing that in a loan package very often. When I have it has been on the Deed of Trust, but there were instructions to attach a certificate.

Reply by JanetK_CA on 4/18/11 11:08pm
Msg #380366

Re: That's one of the best questions I have ever

I agree, Brenda, on all points. On a rare occasion, I've seen some that just have a line with the word "Notary" under it, but that's the worst I've seen (not counting the DOTs you referred to. As far as I'm concerned, if there is no indication whatsoever, then I'm not notarizing it, absent specific instructions to the contrary. If they want it notarized, they should make it apparent.

To the original poster, a bigger worry are the docs that *do* ask for a notarization but are designed in a way that makes it inappropriate to do so (at least for those of us in CA). Usually those are docs from out of state title co's related to ID verification. It'll be written in such a way that it's the notary who is certifying the contents and there may not be any borrowers' signature(s). If ours is the only signature on there, there's nothing for us to notarize. And we cannot use our stamp for any other purpose than an actual notarization, as you hopefully already know.

And like Sheila alluded to, you should NEVER add an extra loose acknowledgment that isn't attached to a specific doc.

Reply by MW/VA on 4/19/11 8:47am
Msg #380387

To add to that, remember that the notary language doesn't

always include the venue (state, county, etc.) & needs to be written in.

Reply by Belinda/CA on 4/19/11 5:17pm
Msg #380545

Re: To add to that, remember that the notary language doesn't

Thanks all. The fog is clearing slowly on all topics. I am exited about being a Notary and a professional one at that. You are appreciated.