• California Driver’s License
• Other States Drivers License
• California Identification card

• Other State Identification card
• Foreign Passports stamped 
  by U.S. Customs

• U.S. Passport
• Canada Drivers License
• U.S. Military ID card

• Mexico Driver’s License
• Inmate ID card 

Two credible witness’s  (for a person who does not have  current or acceptable ID)

For a Document to be notarize there should be text within the document commiting the signer in some way. The signature must be original, no photocopies and if taking oath must be sign in front of Notary. The notary must complete and or attached a notary certificate.

What a Notary Public does is witness the signing of the documents and ask each party for a sworn oath of authenticity. A notary (or a notary public) is a person legally authorized by a state to administer oaths, take acknowledgments & certify documents.The Notary public must ensure that the person signing a document to be notarized is who s/he says s/he is. Because identities are critical, a notary public may also spend some time verifying the names, verifies the identity of the parties.

The signature and seal/stamp are evidence that the signature of the Notary is genuine and that the person is a notary public The Notary public's seal shall either be a seal press or a rubber stamp. These shall be the exclusive property of the notary public. A notary public's signature and seal is required to authenticate the signatures on many legal documents..
  
Notaries are not responsible for the accuracy or legality of documents they notarize. Notaries certify the identity of signers. The signers are responsible for the content of the documents
 
Mobile Loan Signing
 
We assist ithe borrower and closing office n the final stage of loan process.  We have completed 1000's  assignments for lenders and borrowers that include: Purchases, New Home's, Investment properties, Out of State Investment properties, Re-Finance loans, Secondary loans, Out of Country loan documents, Hard Money, Homes Equity Lines of Credit HELOC, Comercial, Construction, Business and Boat Loans and many nore where an experienced Mobile Loan Signing Specialist is needed..

Most Loan Documents are Electronically transmitted from lenders to Escrow/Attorney's offices who then attachhed support documents, (Disclosures, HUD/Estimated Settlements statements and any demands) then forward these documents electronically (EDOCS)  on to Loan Signing Company. In other cases when the Bank, Lender or Closing company sends the Loan package  overnight for you to arrange to have notarize.  
 
Investment seminars will always advise you to find a experienced Notary Public who is very familiar with Investment and out of state Real Estate Loan documents. Performance Mobile Notary  has the experienced with out of state documents to understand the requirements for signing, to make sure documents are not undersined, missed signatures, documents not notarize a problem and will delay the loan from funding. 
 
The Loan Signing Company will then print out the all the Documents Oringinals and a complete set of copies for your records and backups just  in case of error in signing. Then arrange to meet with you to assist you in the proper executions of each document, notarize the documents that are needed. In most cases will take signed and notarize documents to local overnight serice.

The typical Loan Document package will typically consist of;

HUD Settlement Statement, Closing Instructions, ID Affidavit, Right to Cancel, Closing Agent/Notary Cert, MERS Deed of Trust, Legal Description, AKA Signature Affidavit, Truth in Lending, Itemization of amount finaned, Deed of Trust, Riders, Quit Claim, Note, Mortgage, Amorization Schedule, Schedule of Real Estate owned, Impound Account Schedule, Document Correction/ Fees Due, Property Taxes requirement, New Loan Coupons, Tax Information Sheet, Tax ID and Certification Request, MERS Disclosure Statement, Borrowers certIFICATION and AuthORIZATION, Rescission Information, Lock in Agreement, Occupancy Agreement, Second Home, Request Tax Return, Survey, Patriot ID form, Compliance Agreement, Real Estate Tax Certification, Addedum to HUD1, Affidavit of Pending Loans, Flood Zone Notification, Hold Harmless, RESPA Servicing Disclosure, Initial Escrow Eccount / Impound Acoount, Correction Agreement POA, Application Disclosure, Privacy Notice, Choice of Property Insurance Notice, Financing agreement, Verify Tangible Net Benefit, Loan Application 1003 Final and other disclosures needed for said property.
 
This is a example of documents that can be included in a loan package. Loan document pakages will differ from Lender to Lender, Mortgage company and Escrow or Closing offices depending on type of loan, state n which the property is located and demands on information required to fund the loan.

 
8 Phases of a Loan 

1 Determining what type of loan you desire and also what you qualify for. Sometimes this can be these can be two entirely different things. It's always best, if you aren't sure about your qualifying capabilities to do a pre qualify with an experienced loan broker or originator. This entails a quick credit checkl, a few pieces of information and this is normally done over the phone and takes bout 5-10 minutes. Then they  can calculate your debt to income ratios, and also review your credit history and credit scores to see what loan you qualify for.Determining what type of loan you desire and also what you qualify for. Sometimes this can be these can be two entirely different things. It's always best, if you aren't sure about your qualifying capabilities to do a pre qualify with an experienced loan broker or originator. This entails a quick credit checkl, a few pieces of information and this is normally done over the phone and takes bout 5-10 minutes. Then they  can calculate your debt to income ratios, and also review your credit history and credit scores to see what loan you qualify for.
  
2 Deciding what loan you want to go with. Once you have decided, then your broker or loan originator will take your loan application and originate the loan. You will receive your paperwork by mail or in person, and will request copies of all your loan documentation including your paystubs, W2s, 1009's, mortgage statements, bank statements, homeowners insurance, etc.

3 Loan processing phase which can take from as little as two weeks and up to 4 weeks depending on how busy certain professionals are including title companies, appraisers, pest control people, home inspectors, realtors, etc. Usually title and appraisal take the longest time, although in some cases, a subordination agreement can take up to two weeks.
 
4 Underwriting the file. Once a file has been submitted to underwriting, it goes into an underwriting cue and can take from 24-72 hours in most cases. When completed, the underwriter faxes the broker the approval with the loan conditions or a denial letter with the reasons explaining the denial. 
 
5 Complying with the condition from underwriting. Which means the broker or loan orginator needs to get any remaining documents necessary from either the borrower, title, the appraiser, or other professional performing services on the transaction. Once all conditions have been signed off, the file can move onto the loan document department.
 
6 Drawing the loan documents. The person drawing these checks with the broker or loan originator  to verify all the terms are correct. The docs are normally emailed or overnighted to the escrow company handling the transaction. This is where the rest of support documents are added. This is when documents are the sent by Email or overnighted to Loan Signing Company or overnighted to borrower. The borrower is contacted to set up an appointment for the signing by Loan Signing Company or borrower calls Loan Signing when documents arrive to be notarize. Once they are signed and notarized , the docs are returned to the lender usually by overnight mail.
 
7 Funding of the loan. The funder will review the loan docs for possible problems which could have occured during the signing. If everything is in order, the loan will fund and the money is first sent to the title company, which will pay off any mortgages being paid off as well as any property taxes required to be paid, tax liens, and the title company fees. Any remaining balance is wired to the escrow company, who will make any further disbursements to parties of the transaction. Finally the deed of trust and any other recordable documents will be sent for recording at the recorders office in the county in which the property is located. Escrow will then send out closing packages to all parties involved
 
 
 © 2007 Performance Notary