Rita Barren
01 Apr 2019
I just encountered this issue over this weekend, where the borrower refused to sign the Signature Affidavit because they felt like the various names were not correct as being "one in the same" and did not want to agree to it. What is the best practice for a situation like this? I contact the Loan Officer on my instructions from the closing table, but no response; so I contacted my notary company that hired me for the signing. I did not get a response from either during the closing so I told the borrowers that they should reach out to their loan officer again for an explanation of the form.
signaturetogo@comcast.net
01 Apr 2019
David Thun: would you please clarify what you mean by "correct legal name?"
National Notary Association
01 Apr 2019
Hello. On a signature affidavit, the signer is confirming that the name he or she is signing with represents the complete, official form of the signer's name. Depending on the type of signature or name affidavit, a signer might also be asked to list nicknames or other variant names the signer uses in addition to the correct legal name. For example, an affidavit might ask a signer whose full legal name is "Alexander Rathburn" to swear that "Alexander Rathburn" is the person's full legal name. However, if Alexander sometimes goes by the nickname "Al Rathburn," some affidavits may require the signer to confirm that "Alexander Rathburn" is the same person known by the nickname "Al Rathburn" as well.
Karen Mary Howard
01 Apr 2019
Most lenders ask that the borrower write "I have never been known by this name" for any names that are just a mistake. Some lenders only list variations of their legal name. Others list every name that appears on the credit report including mistakes - usually from the stores that offer an immediate discount if the sales clerk quickly types your name - sometimes inaccurately.
Denise Jennings
11 Apr 2019
Should the borrower also sign their name according to all the different variations? Ex. Billy Bob (sign Billy Bob); Bill Bob (Sign Bill Bob), etc? Many times there is only one signature line. I have created additional lines on the document and have had the borrower sign in accordance with each variation. Is this practice advised or should the borrower only sign only as the name appears below the only provided signature line?
National Notary Association
12 Apr 2019
Based on what you’ve described, we think it would be best if you contacted our Hotline team by phone and provided them with a more detailed description of the situation.The NNA Hotline: 1-888-876-0827Mon – Fri: 5:00 a.m. – 7:00 p.m. (PT)Saturday: 5:00 a.m. – 5:00 p.m. (PT)If you’re not an NNA Member or Hotline Subscriber, they will provide you with a one-time courtesy call.
Lisa Christine Swift
18 Apr 2019
affadavit March 29, 2019 And I have been to several Banks. I have an appointment 04192019Friday
Carla DeShon
12 Feb 2020
I just became a signing agent and I am wondering do you fill out a line in your notary book for every page you notarize. but only have the client sign once?
National Notary Association
13 Feb 2020
Hello. To help us answer your question, can you please tell us what state you are commissioned in?
Jeaneen Smith
14 Jul 2020
Hi, I just became a NJ notary & want to know if I need a new page in my notary book for every page I notarize during a loan closing. Also, should I write out a new page for every co-signer of the loan or do I require only the primary on the loan sign? Thanks in advance.
National Notary Association
17 Jul 2020
Hello. New Jersey does not have a journal requirement for Notaries. This article has recommendations for completing a journal entry in the absence of state rules that may be of help to you: https://www.nationalnotary.org/notary-bulletin/blog/2014/10/what-every-notary-needs-to-know-about-journals
karendsingleton1@gmail.com
19 Oct 2020
I am a signing agent in Florida.... Since journals are optional, but recommended in Florida, If i elect to use a journal and have notorized several documents in a loan package is it necessary to have the signers sign each entry in the journal?
National Notary Association
19 Oct 2020
Hello. In situations where state law does not require a journal or provide statutory instructions for journal entries, Article VII-A-4 of The Notary Public Code of Professional Responsibility recommends the following: "For every notarial act performed, the corresponding entry in the Notary’s journal shall contain, at least: the date, time, and type of the notarial act; the date, if provided, and description of the document or proceeding; the name, address, and signature of each principal and witness identifying a principal; a description of the evidence used to identify any principal and witness identifying a principal; and the itemized fees, if any, paid by the principal to the Notary."
Carolyn Rodriguez
19 Oct 2020
There are a lot of unanswered (good) questions because people forget to put their State. Perhaps in your Comments section where it asks to click on: "Add your comment" you could include the statement, "Please include your state." I have been curious about MANY, MANY questions that were left unanswered that I wish you'd have provided an answer to. Thank you for considering this.
Becky Sebreros
22 Oct 2020
What happened if borrow refused to sign document, and what type of notarization is a “Signature & Name Affidavit a Jurat or Acknowledgment?
National Notary Association
26 Oct 2020
Hello. If a borrower refuses to sign a document in a loan package, you should contact the lender or title company to request instructions how to proceed.
Tammy Hardy
22 Oct 2020
Good Evening from PA ...If signer refuses to sign one or more of the AKA Affidavit variations, do I still notarize it? What if one or more of the variations of their name are not valid ? ...they don't agree with one or more? Do they still sign it "as is" or sign and or respond with "Never known as this " individually?
National Notary Association
26 Oct 2020
Hello. If a borrower refuses to sign a document in a loan package, you should contact the lender or title company to request instructions how to proceed.
Timothy Lee
25 Oct 2020
In CA who fills out the Tax Information Sheet if it is in the package? thanks
National Notary Association
29 Oct 2020
Hello. You should contact the lender to request instructions regarding any unclear documents in a loan package.
Shannon
28 Oct 2020
If I am no longer a notary signing agent but I’m still a notary I can’t sign the mortgage documents right?
National Notary Association
29 Oct 2020
Hello. If you are still commissioned as a Notary, you may still perform notarizations. However, if you are no longer certified and background screened as a Signing Agent, you will not be able to perform loan signing assignments for companies that require NSAs to be certified and background screened.
Dee Allgood
06 Nov 2020
On the Signature Affidavit: What is entered beneath my signature in the Notary Public for_______This is showing above when I enter my commission expires date.
National Notary Association
10 Nov 2020
Based on what you’ve described, we think it would be best if you contacted our Hotline team by phone and provided them with a more detailed description of the situation.The NNA Hotline: 1-888-876-0827Mon – Fri: 5:00 a.m. – 7:00 p.m. (PT)Saturday: 5:00 a.m. – 5:00 p.m. (PT)If you’re not an NNA Member or Hotline Subscriber, they will provide you with a one-time courtesy call.
Sandra Freeman
23 Nov 2020
Suppose a signer misses the signature line and signs slightly below the signature line approx. 1/4 to 1/2". The person's signature is now literally below his typed name instead of the signature being properly above his typed name. There is nothing left on that page except for the notary. 21 days later, the notary is required to redo the signing. The signature is there directly below his typed name, no other interferences at all, and the notary's part is accurate and complete. I have looked and inquired in several places with no answers. Help, please?
National Notary Association
04 Dec 2020
Based on what you’ve described, we think it would be best if you contacted our Hotline team by phone and provided them with a more detailed description of the situation.The NNA Hotline: 1-888-876-0827Mon – Fri: 5:00 a.m. – 7:00 p.m. (PT)Saturday: 5:00 a.m. – 5:00 p.m. (PT)If you’re not an NNA Member or Hotline Subscriber, they will provide you with a one-time courtesy call.
Sheikh Mamun
03 Dec 2020
Good
ariehgucovschimiller@gmail.com
15 Dec 2020
Excelent
Mum B
28 Dec 2020
Hi,I’m in NY. After a Signature & Name Affidavit, do I need to write their name down in a notary journal? Thank you.
National Notary Association
04 Jan 2021
Hello. New York does not require Notaries to keep an official journal. However, it is a recommended practice to keep a journal as it provides you with important evidence if any of your notarizations are questioned or challenged at some point.
Johnetta Bond
03 Jan 2021
I’ve been a NSA for nine months. I turned down an order for a reverse mortgage. Where can I get training on signings for reverse mortgages in State of Maryland. Are the documents different for these loans?
National Notary Association
05 Jan 2021
Hello. You can find out more information about reverse mortgages in this article: https://www.nationalnotary.org/notary-bulletin/blog/2020/02/why-reverse-mortgages-are-good-for-business
peggywright446@gmail.com
07 Apr 2021
I am interested in reverse mortgages, please let me know how I can get training on reverse mortgages.
National Notary Association
08 Apr 2021
Hello. For more information about reverse mortgages, please see these articles: https://www.nationalnotary.org/notary-bulletin/blog/2020/02/why-reverse-mortgages-are-good-for-business and https://www.nationalnotary.org/notary-bulletin/blog/2021/03/5-most-common-signing-agent-assignments
Naomi Petit-Dor
08 Jul 2021
How do I describe a Non-Applicant Affidavit And is this for the Borrower to sign?
National Notary Association
14 Jul 2021
Based on what you’ve described, we think it would be best if you contacted our Hotline team by phone and provided them with a more detailed description of the situation.The NNA Hotline: 1-888-876-0827Mon – Fri: 5:00 a.m. – 7:00 p.m. (PT)Saturday: 5:00 a.m. – 5:00 p.m. (PT)If you’re not an NNA Member or Hotline Subscriber, they will provide you with a one-time courtesy call.
Abril murray
24 Dec 2021
Lets say Borrower is now divorced and she is currently using her maiden name on her closing Refi. Issue: The Deed still shows her married last name, Closing Documents also have married last name. (There is an AKA/ Affidavit page in the closing package) Borrow will only sign if she can use her current Maiden name. Is the borrower allowed to sign with her maiden last name (legally changed) now that she is divorced as there is an aka page that shows her previous married last name?
National Notary Association
28 Dec 2021
Based on what you’ve described, we think it would be best if you contacted our Hotline team by phone to discuss the situation with them in more detail.The NNA Hotline: 1-888-876-0827Mon – Fri: 5:00 a.m. – 7:00 p.m. (PT)Saturday: 5:00 a.m. – 5:00 p.m. (PT)If you’re not an NNA Member or Hotline Subscriber, they will provide you with a one-time courtesy call.
REGINA CORDERO
26 Dec 2021
How many days does the borrower have to cancel the loan for a refinance on an investment property?
National Notary Association
28 Dec 2021
Based on what you’ve described, we think it would be best if you contacted our Hotline team by phone to discuss the situation with them in more detail.The NNA Hotline: 1-888-876-0827Mon – Fri: 5:00 a.m. – 7:00 p.m. (PT)Saturday: 5:00 a.m. – 5:00 p.m. (PT)If you’re not an NNA Member or Hotline Subscriber, they will provide you with a one-time courtesy call.
Kristin Morrow
14 Apr 2022
Was wondering about the initials behind your name when you completed and passed the Loan Signing Agent Course. I am a certified licensed coder from AHIMA and I have professional training and certified and allowed to use CCS behind my name to show that I am a licensed professional.Kristin Morrow, CCS