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Lisa T.
California
391 Posts |
 Posted - 09/07/2009 : 1:54:18 PM
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| I recommend that each document get entered in the journal separately with its own signature and thumbprint - even if the documents are duplicates. To save time for multiple or duplicate docs (more than three), I enter the complete name, address, date/time of notarization and ID info once. For the rest of the docs, I put only their name and type of doc. Later I copy the ID info and address. |
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jbelmont
California
3106 Posts |
Posted - 03/11/2009 : 11:24:12 PM
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Each signature on each notarized document needs its own journal entry. To save time ( in the old days when I was a notary ) I used to write the defendant's ( oops, I meant borrowers ) name and information and then draw a line down for each entry signed by them. they had to sign each entry, but I only had to write the info once. The point of the journal is also to indicate WHAT document the signer was signing in addition to who the signer is, etc. Thumbprints are always highly recommended and in certain circumstances in certain states, required.
http://www.123notary.com/notarized_documents_faq.html
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whitesatin007
11 Posts |
Posted - 02/02/2006 : 09:53:51 AM
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Most of my signings are "documents to borrowers", so I don't get a chance to review them ahead of time. I squeeze all of the info into the alloted space because I can write really small. I put the name of the document, i.e., Deed of Trust, Compliance Agreement and whether each document is an acknowledgement, or jurat. In the "Additional Information" section, I put the lender name, loan number, signing agency name, signing agency control number and what kind of signing it was, i.e., refinance, heloc, etc.
I believe the most important thing for you to do is make sure you have documented all of the relevant information. This is for your protection as well as the borrower's. If all of the information is there, there should be no problem. I don't do all of this extra work during the signing, I do it later when I am reviewing the documents.
It is also helpful to log the borrower's date of birth from their driver license and also log the issued date and expiration date from their driver license. |
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dfye@mcttelecom.com
New Hampshire
681 Posts |
Posted - 01/14/2006 : 02:27:52 AM
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First of all, your journal is your personal "bible". No one should have access to it but you. When you have people sign your journal, you are opening them up to see personal information which should be kept confidential. What I do is have each borrower sign an individual acknowledgment which I have prepared, complete with optional thumbprints. Most borrowers are willing to leave a thumbprint with you. I then take the acknowledgment and place it in a sheet protector and put it in a metal safe where no one has access to it but me. This acknowlegment does not get returned with the documents. It is your CYA as well as proof that you checked the borrowers ID. I also place their ID information on the back of the page so that if I return for another signing, I still have their current information. This allows me to fill in the ID documents before I get to the signing which can save a little bit of time.
By journaling, you are never creating work for no reason. Sometimes a lender will try to tell you that you missed a signature on a document that was never in the package to start with. They insist that you go back to the borrower at your expense since it was your error. Your journal will show you if they are telling you the truth or not. Journaling not only protects you the notary, but can also protect the borrower from any unecessary delays in funding due to imcompletion.
Everything in the documents that you notarize should be journaled even if it is a duplicate document. Some of my signings have quadruplicate documents, all of which need to be signed by the borrowers and notarized by me. It can be somewhat time consuming but in the long run, well worth the effort. "If you signed it, bind it" in a journal of course.
Also when I journal, if I make an error, I initial it as though it is a legal document. Your journal is a legal entity which needs to reflect truth and accuracy. It comes with the profession. I have personally signed over three thousand loans and would not have it any other way. My notaries all agree with me.
Legal Eagle Para Professional Services |
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notarizeme
Arkansas
8 Posts |
Posted - 09/25/2005 : 11:14:43 PM
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I have used two or three lines for one signing because I ran out of space. When I do this I circle the numbers to the left together so that I can easily see immediately that this is only one signing. I usually put more than one doc on a line but then still run out of space. I don't believe there is one right way, just the best way for yourself.
notarizeme |
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therron
California
11 Posts |
Posted - 09/19/2005 : 02:24:35 AM
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| I personally use one line for each notarized document. I find this easiest and probably more time consuming than just using one line for all notarized documents, but I like that I can see exactly what each notarized document was in case I ever have to come back and find out what they had notarized. ie. a deed of trust, a power of attorney, a signature aff, etc. I am not sure if you have to use a separate line for each notarization, it is just my personal preference. |
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RGS
8 Posts |
Posted - 09/12/2005 : 02:33:13 AM
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When filling out a journal entry, do you use a line in the journal for each notarized document? This could mean 2 pages of journal used up for just one loan signing.
I list all the docs, under either Acknowledgement or Jurat and squeeze them into one line with one signature. So husband has one line and wife has another.
I have seen another notary that uses as many lines as there are docs to notarize, but draws a diagonal line through the signature boxes and has each borrower sign once on the diagonal line.
Is either way correct?
Rick |
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