Story of a Mortgage Loan

The Story of a Mortgage Loan

Notaries who have not been through the personal agony of applying for a mortgage loan have missed learning opportunities.  Every mortgage loan has a story!  Being that involved in the process personally helps notaries understand what their borrowers have recently endured.   Without that experience, a new loan signing agent may not understand some of the impatience that borrowers have.  Applying for a loan isn't for the faint at heart.  It can be grueling and frustrating.  With that in mind, I’d like to do an overview of how a mortgage loan begins and evolves into a neat stack of loan documents on a borrower's cluttered kitchen table. Definition of a mortgage A mortgage is a legal agreement by which a lender lends...


The Mysterious Contents of a Traveling Notary’s Bag

The bag or briefcase carried to appointments by a brand new traveling notary is usually a lightweight and slim model.  It contains very little--a few pens, a notarial stamp, notary journal, and a pocket for carrying documents.  However, once notaries begin traveling and having experiences with signers, they learn to be ready to accommodate a multitude of situations.  Soon, the traveling notary bag is bulging at the seems, a zipper breaks, or the thing won't shut at all!  It must be upgraded to a larger size. As the miles click by and notary journals fill up with signatures from appointments, a notary's bag selection leans to something bigger and more capable of organizing gear. Some notaries eventually graduate to an...


Hospital Notary Business

Hospital Marketing Strategies for Mobile Notaries

On April 17, I found myself driving from home to a community hospital 150 miles away.  I had to be there to help my 86-year-old mother stay near the bedside of the love of her life, a gentle and kind man named Warren who, at age 84, suffered a massive heart attack.  For a couple of days, I fretted about Warren's health, the impact it was having on my mother, and about not being at home and able to work or write this article, and I had not decided on a topic before I left my house.  However, on the third day, while prowling around the hospital campus, I could not stop thinking about ways to market notary services...