FAQ Help Section and Information for Just Point and Sign

FAQs - Notarial Questions

1	What is back-dating and post-dating? Are we allowed to back-date or post-date documents?
2	I notarized a document and received a call from my client that I failed to stamp the notarial certificate. They are requesting that I send them a blank acknowledgment, can I do this?
3	I have been requested to notarize a document that is an ID Affidavit. The document states that I am duly deposed, and am under Oath and certify that I have viewed an individual's ID. The only person signing this document is myself. Can I notarize this document?
4	The notarial certificate says "...acknowledged before me ________ by ________. How do I fill in the blanks?
5	I have a mortgage/deed of trust that requires notarization but a certificate was not included in the document. Can I just attach whichever certificate I think would be correct?
6	How can I safeguard a loose certificate being attached to a document?
7	There is a loose acknowledgment in the loan package and the client has requested that I sign and seal this certificate "just in case they find an error".
8	The signer is blind, can I notarize the document?
9	The signer is disabled, can I perform the notarial act? (Disabled can include, physical limitations inhibiting the ability to write or communicate, intellectual lack of education or incapacity, or legal such as insane)
10	I have encountered a non-English speaking signer, can I notarize the document?
11	If I am not a party to the document, can I notarize for a relative?
12	The name of the signer on the ID does not match the name on the documents I am being requested to notarize. What do I do?
13	Is a Social Security Card considered proper ID?
14	What type of ID can I accept to notarize a document?
15	What if the signer does not have an acceptable form of ID?
16	Can I use any color ink to sign with?
17	How do I fill in my Notary Journal "fees" column?
18	I received a loan package where the documents went to a person out of state for signature and I am taking the package to the second person for signature. How do I notarize these documents?
19	A document has been presented to me to be notarized and a Power of Attorney is being used. How does the signer sign using the power of attorney?
20	A document has been presented to me to be notarized and is being signed by a Trustee. How does the signer sign as a Trustee?
21	What is the Venue on the notarial certificate?

FAQs - Signing Agent Questions

22	What is meant by APR?
23	Is there a required bond or insurance coverage policy that I must have in order to continue to complete closings for different title companies? If so, do all companies require this and in what amounts?
24	What is the difference between a Closing Agent and a Loan Document Signing Agent?
25	Lender requested a copy of the ID be sent back with the loan package. Borrower did not provide one at the time of the signing. What do I do now?
26	What if the dates on the documents do not match the signing date, do I change them?
27	What if the dates on the note, mortgage/deed of trust do not match, do I change them?
28	I have been requested to conduct a loan signing and when I arrived at the appointment, one of the parties to loan is deceased. What do I do now?
29	Where do I send the documents?
30	What are "digital documents"?
31	What do I do if the signing service I contracted with won't pay me?
32	Is there a standard fee structure for Loan Document Signing Agents?
33	Do Loan Document Signing Agents have set fee schedules for signings?
34	If the Loan Document Signing Agent is unable to obtain a check requested from the borrower, does the Loan Document Signing Agent halt the signing?
35	Can I use any color ink to sign with?
36	Escrow instructions state the signer must present a "Hazard Insurance Policy." Is the Loan Document Signing Agent supposed to obtain this from the signer, or is the Signing Agent only supposed to look at the HUD - 1 or the Settlement Statement? Also, will the signing agencies usually let the Notary know? In the closing instructions document, if there is a document checked that is not in the package, should the Loan Document Signing Agent call the lender?
37	Do you need a business license to perform and receive payment as a Loan Document Signing Agent?
38	What is the purpose of the Signature Name Affidavit/AKA document?
39	What documents does the Loan Document Signing Agent have to notarize?
40	If I have to make a "pen" change on a document to change a date, correct a name spelling, address, or to write in the date on the Right to Cancel, do I have to have the borrower initial it?
41	If there is a problem during the signing and the borrower asks questions I cannot answer, how should I handle it?
42	What do I do if the signers want to read through every document?
43	How do I count the Right to Cancel?
44	Can I arrange the documents to help me organize where to sign, initial, and notarize? For example, may I put all pages that require notarization together, all pages that require an initial together, etc.?
45	Does the Loan Document Signing Agent provide recording services?
46	What does a Loan Document Signing Agent do besides notarize loan documents?
47	Do I need to take a thumbprint for loan documents?