Today, I recieved a call from a potential customer. He reported that he needed to have a real estate package notarized and that he wanted to come to my office. Customer X inquired if he could bring his wife driver's license because she gets off work really late and his 84 year old mother's id because she has a hard time getting around, basically bedridden.
The response was "NO", he was informed that all persons signing documents needed to be present and their identification verified. Customer X stated that he was desperate and that he had to get these papers notarized. He was informed that we offered 24 hour mobile notary services, so he was interested.
He reported that it was about 10 documents requiring notarization, he wanted me to come at 10 p.m. Generally, for mortgage packages we charge a set fee, however the general public we charge the statuary allowed fee ($5.00) per document plus a convenience fee which includes travel.
However, when the rate was given, Customer X asked me if I lost my mind! He then went on to say, I taught you would just do everything for $5.00, I will just have to wait to the weekend to get this done. I laughed and my response was, "Good Luck with that!" He asked what I meant and I simply replied, "Stop Trying to Scam Me For Services." It is our job to be mindful of when people are trying to commit fraud.
Notary Publics are often asked to do a lot of things, some crazy, some legit and illegal stuff. Unfortunately, many customers are not knowledgeable the of state laws regarding notary services. It is very pertinent that customers know what a PA Notary can't do or you may be accused of breaking law by asking a notary to do the following:
1. Notarize your documents without without the signer being present. Services will be refused, no exception. You must also present valid identification.
2. Notarize your documents if they are signed before you are in the presence of a notary. You will be asked to resigned them.
3. Provide a copy certification of a birth certificate. You contact the Division of Vital Records. We can assist in making corrections on birth certicates.
4. Notarizing by proxy.
5. Notarize motor vehicle paperwork on Sundays and issue protests on days that banks are closed.
6. Notarize a document that has not been signed.
7. Backdate or forward date a document.
8. Give Legal Advice.
Please be advised that a Notary can to lose their commission, pay a fine and go to jail for committing inappropriate requests.
The Reverse Mortgage process can be quite different than with a forward mortgage and the borrowers require special treatment. We have experience in working with these matters. We offer a unique one-stop program for your Reverse Mortgages. You will no longer have to search to have several entities play a role in the process of closing your deals.
Certified Reverse Mortgage Application Signer
Certified Reverse Mortgage Notary Closing Agent
Capable to explain documents and be clearly understood by seniors
Professional, Patient and Understanding
You will receive the highest quality representation with Urban Knight Enterprises as we provide exceptional service and explore all avenues to facilitate and complete your reverse mortgage applications and loan closings.
Servicing Pennsylvania Counties of: Berks, Bucks, Chester, Delaware, Montgomery and Philadelphia
Please contact us today to speak with us about what we can do for you.
Urban Knight Enterprises, Inc. ** 610.935.5944 ** www.UKENotary.com
Urban Knight Enterprises, Inc. is a real estate investment services firm. We designed our organization to cater to the needs of the real estate, legal and financial industries and anyone in need of our services. We offer the following services:
• Certified Notary Signing Agent Services
• Real Estate Closing Services (Purchase, Commercial, Witness, REOs, etc.)
• Settlement Agent Functions (Distribution & Collection of Funds, etc.)
• HECM Application & Interviewer Services
• HECM Closing Services
• Branch Closings
• Merchant/Property Site Inspections
• Mobile County Deed Recording Services
We emphasize flexibility and provide features such as:
• Certified, Bonded and Insured
• Availability at your client's convenience
• 10+ years real estate experience
• Reliable knowledge and presentation of documents
• Single point of contact, concise status reporting, compliance review and quick turnarounds
• High Speed Internet Connection and Laser Printers
• Last Minute/Rush Assignments
• Extended service hours
Working with Urban Knight Enterprises ensures that your transactions will be handled professionally - which is why it makes sense to talk to us. For more information about our services, we invite you to Contact Us today!
Servicing Pennsylvania Counties of: Berks, Bucks, Chester, Delaware and Philadelphia
Traditional marketing techniques are great, however, for some the old ways just are not working anymore. I am asked frequently by other business owners, how do I maintain and gain customers. My response is to throw out those traditional marketing techniques that are not working, create a ruckus to get noticed and people talking about your business.
The same core values of marketing applies in regards to learning key elements of your customer base. I believe changing your approach to marketing is the key. Let's face it, marketing is required for business survival and if you don't do it your business will fail.
Marketing with a smile should shine through every aspect of your business, from the way you answer the telephone, through the words on your website, literature, etc. Do not be afraid to break away from the safe advertising. It is true that advertising can get old and stale, however changing it here and there can make a big difference in attracting new customers.
If marketing is not your thing seek a professional. They can help promote new growth for your business and your business image. Be open to advice and criticism. Ask your customers what they want from your business and you will be surprise to know that you have what they want. Your marketing tools should promote your services in way that a customer knows what you have to offer.
I went through stomach wrenching knots when I decided to build my on website. Creating, designing, learning to use words to get notice and formatting were the key factors in building it. The site was launched in July, 2008 and I experienced many woes of trying to get on all of the lists, using the correct tags, etc.
What a nightmare? If I had to do it all over again I would. During that time period I learned a great deal about advertisement, how to capture an audience, how to take constructive criticism, what works and what doesn't work. Learning how people view websites determines in most cases if you are going to capture a customer.
Laura Vestnan and Lashawn James-Major provided me with excellent advise on how to format my site and the importance of using key words. Thanks for all of your support ladies.
Recently, I realized that I wasn't getting traffic that I needed and had a feeling that my site may be scaring away potential clients. To be honest I was never really happy with my first attempt in building the site, because it just didn't present that come again approach to it. So, I decided it was time for a makeover. I must say to be an amateur, my website looks pretty cool.
Well, I must say that I am a firm believer in updating your website on a regular basis. All the tweaking here and there has really paid off. I was surprised at how those changes made a difference. My phone has been ringing off the hook and the revenue has been pouring in.
So, if you get a chance take a peak at my website and tell me what you think. Let me know if more tweaking is needed. I welcome your thoughts. Thanks!
Re-establishing the Establishment, a ongoing cycle in the marketing game. This can be a headache, however think of it as applying a fresh coat of paint. You all know how a paint can give a new appearance to a room, well why not give yourself or your company a new look.
Learn how to advertise and promote yourself or your company.
Become creative and save money by creating your own business advertisement.
Most computer programs come with some type of software which can be used create advertisement literature.
The software is pretty easy to use, you can use templates or create a document from scratch.
You can purchase card stock paper for brochures and postcards/index cards. The Avery Product line offers great injet paper materials for projects, which is pretty inexpensive.
You will be impressed with the end result.
Here is a example of one my postcards that I created:
Become creative, have some fun and save some money!
I routinely get calls from head hunters asking if I know of any people in the industry to fill mortgage positions. I usually work with a company called Aerotek because they are very resourceful and provide excellent opportunities for people seeking work. I have work with them in the past as an independent contractor and also have recommended people for jobs, so this is no gimmick. If you are interested please review the job description below :
Mortgage Processor Job Description:
Our client, a large and reputable mortgage company, is seeking a Loan Processor. This person will be responsible for processing refinance loans.
On a day to day basis, this person will be responsible for reviewing loan applications for completeness, acting as the primary contact with borrowers; ordering appraisal, flood, and title. This person will also be in charge of reviewing incoming documentation within 24 hours of receipt; clearing conditions and ready transactions for loan closing; gathering credit documentation from the customer and their parties in support of the loan approval decision. This person will assure that loans are processed in accordance with company policies and procedures.
To be qualified for this position, individuals should have experience with in the mortgage industry with either processing, funding, closing or equivalent. Individuals will also have to have excellent phone skills. Qualified candidates will have at least 2 years of mortgage processing experience.
Required Skills for Mortgage Processor Job:
PRIME LOAN PROCESSING
MORTGAGE
CONVENTIONAL LOANS
REFINANCE
LOAN PROCESSING
Please provide your contact information and forward your resume to Info@UKENotary.com. I was informed that they are looking to fill about 300 positions nationwide. I will routinely inform of job openings. So if you are in need of a job or no someone who is need of a job, please forward this information.
Hey, I found another site that offers a quick and easy website page that can be built in a matter of a half hour or minutes. The hardest thing is just adding your advertising text, which is not hard if you know what you want to say. This site even allows for your materials to be copywrited protected under your name. You also have accomodations to add logos, photos, etc. under the upgrade section.
The website is www.Webspawn.com. It has many other features that you may opt to use if you are looking for an inexpensive way to advertise, submission of websites, etc. What I really like is the ability to link to my main website.. www.UKENotary.com.
The U.S. Department of Housing and Urban Development has issued long-anticipated mortgage reforms that will help consumers shop for the lowest cost mortgage and avoid costly and potentially harmful loan offers. HUD will require that lenders and mortgage brokers provide consumers with a standard Good Faith Estimate (GFE) that clearly discloses key loan terms and closing costs. HUD estimates its new regulation will save consumers nearly $700 at the closing table.
The easy-to-read standard Good Faith Estimate (GFE) will clearly answer the key questions consumers have when applying for a mortgage, including:
o What's the term of the loan? o Is the interest rate fixed or can it change? o Is there a pre-payment penalty should the borrower choose to refinance at a later date? o Is there a balloon payment? o What are total closing costs?
The GFE will consolidate closing costs into major categories to prevent junk fees, and display total estimated settlement charges prominently on the first page so the consumer can easily compare loan offers. HUD will specify the closing costs that can and cannot change at settlement, and if a fee changes, HUD will limit the amount it can change.
The Department performed rigorous consumer testing and found that the new Good Faith Estimate helped consumers select the lowest cost loan 9 out of 10 times, regardless of whether the loan was originated by a lender or a broker. HUD will require the new standardized GFE and HUD-1 beginning January 1, 2010.
For additional benefits and details about these reforms to the regulatory requirements of the Real Estate Settlement Procedures Act (RESPA), click on the following links:
Have you ever wondered, "What Your Voice Says About You?" Quite frequently, we discuss the art of marketing our businesses, how to direct traffic to our websites, selecting logos, etc. However, impressions of you are formed constantly by your spoken words.
"Man does not live by words alone, despite the fact that sometimes he has to eat them." Adlaie E. Stevenson
Your personality is conveyed solely through your words and the tone of your voice, when using the telephone. So in essence, your telephone personality reinforces the caller's perception of both you and your company. Your company is judged by each voice that speaks for it over the telephone.
The following techniques may help polish up or develop good telephone habits.
Role play between co-workers, (someone plays the role of a client, the other plays the service provider) open discussion about the interaction amongst staff
Prepare a proper telephone greeting, which provides your company's name, your name and a question of how you may be of assistance
Learn how to enhance your listening skills.
Develop a method to handle complaints and emergencies
Learn how to work the telephone functions
Keep a mirror at your desk, to help decipher when your facial expressions are changing between a good call verses a bad call
Learn to recognize your voice images and ways to develop positive voice images
These techniques have helped me and I hope someone else maybe able to benefit from using them as well.
Telephone etiquette provides a means to develop positive telephone habits and promoting good manners. Communicating professionally means every person in your company treats every customer courteously. Becoming a better communicator is vital for all business types.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
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