Posted by Buddy Young on 12/15/11 11:58pm
Msg #406758

Question

I do a lot of Refi's for the same lending institution. I love their package, it only has one notarization. The single notarization is an ACK for the D.O.T.

The ACK is on a seperate page all by itself. I feel a little uneasy ( even though I've done it several times ) about filling out an ACK without it being attached to anything.
I suppose I could staple it to the 15 pages of the D.O.T.

Can I write on the bottom of the ACK. For D.O.T.?

Reply by Bob_Chicago on 12/16/11 12:21am
Msg #406760

The sole reason for your services is to enable the lender

to make a loan to the signer, to be secured by a mortgage/DOT on the subject property.
What else are they going to do with the ack, other than attach it to the document that will be recorded?

Reply by Belinda/CA on 12/16/11 1:04am
Msg #406762

Does the notarial page say...

"page 15 of 15," or the like?

Reply by HisHughness on 12/16/11 1:13am
Msg #406764

It is always acceptable to note at the top of a loose acknowledgement/jurat: "Appended to Deed of Trust."

Reply by Linda_H/FL on 12/16/11 5:35am
Msg #406766

In the rare events I have to use loose acks

they have a small statement at the top

"This acknowledgement (or jurat) is attached to a document entitled ______________ dated _______________ and consisting of ____ pages, inclusive"

I always make note of what document it's to be used for and if I have any concerns that they're going to cut that off, I put it close to the venue so it can't be eliminated without also altering the certificate itself.

JMO

Reply by MonicaFL on 12/16/11 8:31am
Msg #406777

Re: In the rare events I have to use loose acks

Well, if the acknowledgment or Jurat is the only thing on the page, then I always make a note below my notary seal that "this ack or jurat is attached to the document entitled (then I put the name of the document) and was signed by Jack Jones and Mary Jones.

Reply by jnew on 12/16/11 10:51am
Msg #406804

Re: In the rare events I have to use loose acks

I am copying yours down Linda. It is better than the standard loose ack you see which defines the number of pages of the doc but does not include the ack as a page (or does it?)

Reply by Linda_H/FL on 12/16/11 11:16am
Msg #406809

"or does it?" - not sure, so I err on the side of caution

and add that word - "inclusive" - if the document is 5 pages, and my loose ack makes page 6, at the top it reads "consisting of 6 pages, inclusive"....

Reply by BrendaTx on 12/16/11 6:54pm
Msg #406859

You can use "inclusive," or you can use

plain English.

"This page is number 6 of 6 of a deed dated 12/12/11 in which the Grantor is Park Place and the Grantee is Peyton Place."

I like the word, "wherein" rather than the phrase "in which," but the woman that I pay to critique my writing whacks me with a wooden spoon when I use the former. I hate her spoon, but at least she has put up the knife. I hope that she never finds this board. Seven years of my posts will be corrected, shipped to me, and left to bleed red all over my porch.

Reply by Linda_H/FL on 12/17/11 9:03am
Msg #406881

ROFL Brenda!! I like that wording too, BTW n/m