QUESTIONS?

State of Colorado

https://www.sos.state.co.us/pubs/notary/home.html

Every other state

https://www.nationalnotary.org/colorado/become-a-notary

Click the drop down and choose your state!

We get questions like this mostly from people who have seen the 6 figure ads. There are multiple companies who market their trainings by exclaiming how much money can be made. We have all seen them. People want to know if those claims are real. The honest answer to this question is, it depends on your effort, the market in your area and the quality of work you do! There are lots of programs that say you can make $10k a month or 6 figures a year and they are absolutely true in many cases, but is it typical? Not really. You will find far more loan signers/notaries who don't feel as if they are making the money that they were expecting, than those who are making 6 figures. Still, it is possible! As with anything, if it’s worth doing its, worth doing right! It takes effort to learn your craft and market your business! OUR Advice Don't chase the money. Learn your craft, hone it, become a skilled loan closer or notary and then market your expertise. Be realistic about how much money you want to make. Honestly there are not a lot of Mobile Closers/ Notaries Public, who want to be spectacular at our job. If you are one who wants to be the best at what you do, focus on that! We would love to say that the money is ready for you to grab it, but we all struggle in our field at some point. There are a lot of ups and downs in this industry and everyone feels it. Just make sure you are wonderful at your job and take the jobs you are able. Practice, practice, practice.

The courses we absolutely recommend are your state’s notary course, AND the NNA's Loan Signing Agent course.

There are MANY amazing notary courses out there and we don't recommend one over the other.

OUR ADVICE:

* Make sure you look into the training you are going to receive

Yes, its important to know what the training costs & how long you will have to complete the course, but its also important to know if you have support AFTER the course, what the class format is (online, webinars, in- person, live, planned videos, etc), and what tools you will have before, during and after the course to really hone your craft. Really consider everyting you , personally, need to make the most of your training.

* Make sure that you feel comfortable in the training environment

This is so important. There are so many programs but check out the environment you will be in. Will you feel

comfortable asking questions without getting snarky comments meant to make you feel dumb? Will you be able to discuss the things you are confused about and get real answers as to why things are a certain way? Will you just be directed somewhere else or to someone else? Think of the way you learn best and make sure the environment will add to your education, not stunt it.

* ONLY join a course when you are confident that you will come out of the course with the knowledge you are looking for.

You need to be a notary in your state and you need to take the NNA Loan Signing Agent course and get the certificate. You will need E&O insurance, a surety bond (if your state requires it), a notary stamp, and a notary book.

We also firmly believe that you need a good grasp on the general documents and the desire to be good at what you do. You need to be able to ask questions and know how important your actions are when you are facilitating a closing or any other transaction, especially when you are notarizing something.

We can’t answer this question for you. This is a personal choice.

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However, we believe that, in the future, RON transactions will be heavily relied upon. Currently, most lenders will not allow a buyer side, refinance, or reverse to be done using a RON notary and platform but we think this will change.

We all work with some lenders who do allow all loans to be facilitated by a RON signing. So it’s coming. We think we would rather be prepared and knowledgeable and on the ground floor than be a holdout and have to learn it when it’s busy and necessary.

This is subject to your state! For Colorado follow this link https://www.sos.state.co.us/pubs/notary/home.html

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For all other states please look up how to do so on your State's SOS website for notaries!

NOTE: we have a whole training course on how to become RON certified, how to pick which portal you want to sign up with, what fees to expect, what fees to charge, what questions to ask your signer, how to "tag" your documents, how to perform a RON signing, where to find scripts to use, tips and tricks, including what to do if something goes wrong and more.

If you'd like this training course as well as all the others we provide, please sign up for our training at: Notary Academy CO Mentorship Group!

General

Loan Signing Agent

Electronic

RON

For all states - check with your SOS website

For Colorado: This is taken directly from the Colorado Notary FAQ’s

Colorado SOS Notary FAQ's page:

"Q3. What fees can a notary legally charge?

A3. By Colorado law, the maximum fee allowed for a notarization is $15 per document and includes:

• Receiving evidence of the signer’s identity,

• Administering an oath or affirmation (if applicable), and

• Applying the signature, notarial certificate, and stamp of the notary to the document.

The maximum fee for an electronic notarization or remote notarization is $25.

If you charge for other services, you should itemize those separately.

Again, this is up to you as long as it is in accordance with the state guidelines

There are tons of signing services that you can sign up for after you have your commission information.

Here are the ones we started out with:

Lindy Rich Services - thats us

Signature Closers

SnapDocs

NotaryGo

SigningOrder

Coast2Coast

BancServ - Only takes on seasoned notaries

Amrock - Also only takes seasoned notaries

There are tons more!! Google it!! I promise you will find others! You can also get signings directly from title, lenders and real estate agents BUT make sure you only do this if you are confident you know your documents. You do not want to burn your bridges when you could have done just a few more signings with signing services.

We can’t really help with specific instructions but what we can say is:

• Call and email and text every single option you have. This includes the lender and title company on the last page of the CD.

• Make sure you note in your journal every person, email, phone number that you tried to contact, how you tried to contact them and what the result was.

• Try to complete the signing if the signer is willing and do what you think is best.

• Scan the documents back with a note to please check the part there was a question about

• Write a note and put it with the documents you are returning, explaining the situation.

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**** Always be courteous, professional, patient and non-combative *******

If you'd like to have access to us through a phone call "life line" please sign up to join our Notary Academy CO Mentorship Group! We also provide training, do zoom video/calls, have a group of notaries just like you with questions that have been answered and mentors available to answer new questions. Join us!

There is a Facebook group called Deadbeat Signing Services 2.0

https://www.facebook.com/groups/1236443816880180

It’s a great idea to check the signing service in this group. You can ask specific questions and even get advice on how to collect from a company you haven’t been paid by!

We suggest that if you are concerned, you:

• Wear a mask

• Make sure you use sanitizer often

• Wash your hands with soap and hot water if you are able

• Use disposable pens or ask signers to have their own pens available( Make sure signer knows what color of ink is required for the documents)

• Your safety is critical!

• Communication with the signer is crucial

• There needs to be a table present

• You must be protected from the elements while doing the signing (maybe in a garage or car to car if nothing else is available)

• Disposable pens

• Have necessary items to help you through it: Clipboard, flashlight/headlamp, gloves, hat

• You will need to have something to hold the documents down, even if you are just in a mildly breezy area. You do not want to have to chase all of your documents around!!

• If there is moisture it will have to be in a protected/covered area

We do not pay more for multiple signers. We do not nickel and dime our clients. As

notaries ourselves, we have always done and still do signings with many signers. It costs us nothing and we will not charge our clients more. We know many notaries do charge but this isn’t something we do nor do we plan on doing it.

Again, we do not! We also don’t pay less for a smaller document set.

We pay you $100 for a seller side with 30 pages and $100 for a buyer

side with 150.

The only exception to this is if you are doing a reverse or a single document. Reverses can be up to 300 pages and we will pay extra for that and if we send you out for 1 document we will usually pay you less than $100 for that.

No, we do not. Again, we believe that charging more for these signings sends the wrong message to the clients we serve. We do not charge more for every little thing. We do our job and we do it well in the hopes that our clients will use us over and over again. We try to provide as much value to them as we can!

We do have a RON platform and we do like it. However, we think you should look into it yourself and work out what is important to you and what you can afford! RON is so new and the fees that we can charge are not yet equal to the fees we pay for a good platform. We think that it will have to level out at some point. For now, here is a list of the platforms that are approved in Colorado. (This list is subject to change as per the Colorado Secretary of State)

If you are outside of Colorado, check which platforms are approved for your state on your SOS website! The biggest thing with RON is to make sure you are complying with the rules of your state! Also don't forget to check with your client(s) to make sure that your platform is approved by their underwriters as well!

Colorado RON Provider List

Amrock, LLC

Black Knight Origination

Technologies, LLC

Blend Labs, Inc

Blue Notary LLC

Cyberize it, LLC

Digital Delivery, Inc

DocMagic, Inc

DocuSign, Inc

eNotaryLog, LLC

Epic River Healthcare, Inc

Nexsys Technologies LLC

Notarize, Inc

NotaryCam, Inc

NotaryLive.com

OnlineNotary, Inc

PandaDoc, Inc

Pavaso, Inc

Qualia Labs, Inc

Secured Signing Inc

SIGNiX

SIMPLIFILE LC

Stavvy, Inc

IPEN - this is where you bring your device to a signing and while physically present with the signers they complete their documents on your device. There are no wet signatures at all.

IPIN - this was something that was sanctioned during the COVID 19 outbreak. A notary would meet with a signer on a device and watch the signer sign physical documents. Then the signer would send the documents back to the necessary party.

RON - this is where a notary meets a signer online, the notary on his/her device and the signer(s) on their device. The documents are online for both parties to see and all signatures, dates and notary sections are filled in online.

We caution you about several things:

• Make sure you are on a platform approved by your state

• Make sure you check with your client to find out what platforms their underwriters have approved

• Make sure you have the scripts necessary for the signing you are doing

• Make sure you verify the ID once you are in the RON signing

• Make sure you have entered the signers name as it is on the documents

• Try to get the docs pre tagged if you can

• Relax - you know these documents, it’s just a matter of presenting them a little differently!

So we buy heavy duty stamps because we use it a lot and need something that

is going to last:

Trodat Professional 5204 Heavy Duty Stamp

We buy our stamps from:

https://www.notarypublicstamps.com

We buy our books at amazon

Modern Journal of Notarial Events

There are tons of notary supply stores here are 2 that we know are reputable!

NNA has supplies at NNA Notary Supplies

Amazon has notary journals at Amazon Notary Journals

Amazon has notary stamps at Amazon Notary Stamps

You can download a copy of the NNA's 2024 Recission Calendar here or you can go to the NNA website and download it from there.