Good news for Notary Signing Agents! There may be an increased demand for Notary Signing Agent services because of the new Obama Administration package of incentives to the Home Affordable Modification Program (HAMP).  The new program encourages banks and investors to offer permanent reductions in principal for people who owe more than their homes are worth.

Banks and title companies will rely upon Notary Signing Agents to handle the notarizations for these transactions.  The greatest demand will likely be in Arizona, California, Florida and Illinois where the delinquency rates are much higher than other states.

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The flowers of early spring hold such a special place in the world... 

"Taste of the Town" will be in Santa Clarita on Sunday, May 2, 1-5 p.m.  Over 30 local restaurants and caterers will be serving all the food you can eat, all the wine and beer you can drink, plus there will be live entertainment and a silent auction.  It's a great way to spend an afternoon and all for a good cause!

General Admission is $50 per person ($60 at the door). Ticket prices are per person, all inclusive food and drink.

Proceeds will be donated to the Child & Family Center.  For more information go to http://www.childfamilycenter.org/subsite2.html

Hope to see you there!

~Denise O'Dell

If things aren't bad enough, now homeowners who sign up for the government's mortgage assistance program may end up with lower credit scores -- as much as 100 points! 

Borrowers who are facing a default and making their payments on time are finding out later that their credit score is lower; and it's worse for those who applied and then determined ineligible for the Obama program.

As a Notary Signing Agent I have performed a lot of loan signings over the past 7 years.  Loan document packages can contain sometimes up to 5-10 documents that need to be notarized by each borrower.  Thus, I have used ditto marks and diagonal lines in my Notary Journal.  I was actually taught by the National Notary Association that this was acceptable.  The NNA is now saying that "California Notaries should no longer follow this practice."  In a recent article, the NNA states:

"When completing multiple notarizations for the same signer - a common occurrence for mortgages and other real estate-related transactions, for example - Notaries commonly use ditto marks to repeat the same information on successive lines in their journals, and they often draw a diagonal line across the signature spaces so the signer only has to sign the journal once.

But that should not be a practice for Notaries in the Golden State. The Secretary's clarification reads: 'Government Code Section 8206 requires that the Notary Public's journal include all the information for ‘each official act.' Therefore, each act would include the date, time, type of each official act, character of the instrument, signature, type of identifcation and thumbprint (if applicable) on a separate line for each act.'"

Does this mean every signer must also place their thumbprint next to their signature on each and every line?  I can't wait to see what kind of response I get from signers when they have to sign their name multiple times after just signing, dating and initialing an entire loan document package consisting of approximately 100 pages.

I better stock up on notary journals and thumbprinters now because this will take up a lot of space!  I'll be going through journals like nobody's business.  Journals and thumbprinters aren't cheap either.

Do you know the difference between a "Settlement Agent" and a "Notary Signing Agent?"  According to the National Notary Association, lenders are implementing new rules because some Notary Signing Agents are costing them money and putting their transactions at risk. Eventually NSAs could be faced with all kinds of new rules and regulations.

For example, a Notary Signing Agents should not sign the HUD-1 Settlement Statement under the line that reads "Settlement Agent." Notary Signing Agents are not "Settlement Agents," and do not have authority to sign documents as a Settlement Agent. Settlement Agents are licensed representatives or employees of title companies who finalize loan closings.

If you have a concern or question during a loan signing, always call the company who hired you.

Denise O'Dell, NNA Certified & Background Screened Notary Signing Agent

According to a highway patrolman, if you are driving in the rain with the cruise control on and your car begins to hydro-plane and your tires lose contact with the pavement, your car may accelerate to a higher rate of speed making you take off like an airplane.

This warning should be listed on the driver's seat sun visor - NEVER USE THE CRUISE CONTROL WHEN THE PAVEMENT IS WET OR ICY (along with the airbag warning).

I'm glad I heard about this because I drive with my cruise control all the time to drive a safe speed, but never knew that it should be used only when the pavement is dry.

Tell all your friends.  This could save lives!

 If You Believe You Can, You Can

    If you think you are beaten--you are.

    If you think you dare not--you don't.

    If you want to win but think you can't,

    It is almost a cinch you won't.

    If you think you'll lose--you've lost.

    For out in the world we find

    That success begins with a fellow's will;

    It's all in the state of mind.

The last 5 years in real estate have been pretty discouraging to say the least.  In the beginning I was so excited.  I did the work, put in the time, spent a whole lot of money, and put a lot of energy into my career as a real estate agent.  I felt like I was a climbing mountain only to slide back down.

When the real estate market started to go downhill, I began focusing on my small business as a Mobile Notary/Loan Document Signing Agent.  I do have bills to pay as does everyone else.

I seriously thought about giving up on being a real estate agent.  Even being a landlord has been challenging the past few years because of the drop in rental values. 

However, after a lot of consideration, I decided to renew my real estate license again for another 4 years.  I am not giving up!  I am not a quitter!