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A Notary Public is an official of integrity appointed by state government — typically by the secretary of state — to serve the public as an impartial witness in performing a variety of official fraud-deterrent acts related to the signing of important documents. These official acts are called notarizations, or notarial acts. Notaries are publicly commissioned as "ministerial" officials, meaning that they are expected to follow written rules without the exercise of significant personal discretion, as would otherwise be the case with a "judicial" official. A Notary's duty is to screen the signers of important documents for their true identity, their willingness to sign without duress or intimidation, and their awareness of the contents of the document or transaction. Some notarizations also require the Notary to put the signer under an oath, declaring under penalty of perjury that the information contained in a document is true and correct. Property deeds, wills and powers of attorney are examples of documents that commonly require a Notary. https://images.squarespace-cdn.com/content/v1/61e752705910bf5855295621/1644760623712-49MFLZBOIA7FWXMOHM9V/notary-signing-courses.jpg Learn More - What is a Notary Signing Agent? A Notary Signing Agent is a Notary who has been trained to handle loan documents. Lenders and title companies hire Signing Agents as independent contractors to assist in the last step of the loan process. The responsibilities of a Notary Signing Agent generally include printing loan documents, meeting the signer and notarizing their signature, and quickly returning the documents for processing. NSAs are also responsible for following any additional instructions from the lender, title company or signing service that hires them for loan closing work. For example, an NSA may be asked to fax back documents right away or use a specific mailing service to return the paperwork safely. Since Notary Signing Agents have access to private financial information about borrowers and are sent into their client's home, the mortgage finance industry requires all Signing Agents to undergo a background screening on an annual basis. This helps prevent mortgage fraud and ensures the consumer's information is secure. https://images.squarespace-cdn.com/content/v1/61e752705910bf5855295621/0c51382c-6ae9-4925-a27b-87f755e25750/When+the+Signer+Doesn%27t+Match+Their+ID.png Learn More When the Signer Doesn't Match Their ID 1. Check ID for signer's birthdate. 2. Check for unchanging facial features. 3. Check ID for physical description. 4. Quiz the signer on their ID info. 5. If in doubt, ask for another ID (if permitted). https://images.squarespace-cdn.com/content/v1/61e752705910bf5855295621/733ed614-166f-4f90-b28c-9253cfe12211/The+Five+Most+Common+Types+of+Notarization.png Learn More 5 Most Common Types of Notarization 1. Acknowledgment - ensures a signer's identity and willingness to sign. Often for documents about assets like a loan contract or a deed to a house. The signer may sign the document in front of you, but it's not required. 2. Jurat - Compels a signer to swear that the contents of the document are true. Often performed on legal documents like affidavits or depositions. The signer must sign the document in front of you. 3. Oath or Affirmation - Compels a person to be truthful or faithful, or they may face legal consequences. An oath is a pledge to a higher power. An affirmation is a pledge on the individual's personal honor. 4. Signature Witnessing - Certifies a signature's identity and signature. The signer must sign the document in your presence. 5. Copy Certification - Certifies that a reproduced document is true, exact, and accurate to the original. The original document must be provided. https://images.squarespace-cdn.com/content/v1/61e752705910bf5855295621/89cf9b53-7a08-465d-8eba-78620ed4a82d/Five+Tips+for+Authenticating+IDs.png Learn More Verifying a signer’s identity is a key component of a Notary’s duties. While you are not expected to be an expert in telling fake IDs from real ones, these tips will help you to check a signer’s ID to ensure the person in front of you is who they claim to be. 1. Always ask to hold and examine the ID. 2. IDs presented to you must meet requirements of your state's laws. 3. Familiarize yourself with common security features on IDs in your state. 4. If you find one discrepancy, look for others. 5. Record the appropriate details about the ID in your Notary journal. https://images.squarespace-cdn.com/content/v1/61e752705910bf5855295621/e7431475-7d84-414b-a264-868c2b3a391a/Three+Things+you+Can%27t+Do+as+a+Notary.png Learn More The public is often confused about what Notaries are allowed to do and may ask you for services you cannot perform as a Notary. 1.Unauthorized Legal Advice - signer asks how to complete a document or signer asks for the type of notarization to perform 2. Official Seal Misuse 3. Notary Endorsement https://images.squarespace-cdn.com/content/v1/61e752705910bf5855295621/f332510a-02ce-4cf0-b192-2fd633456dc2/How+to+Notarize+Out-of-State+Documents.png Learn More It’s bound to happen sometime in your Notary career—somebody will ask you to notarize an out-of-state document. But there’s no need to panic or even refuse the notarization. You can in fact notarize the document. https://images.squarespace-cdn.com/content/v1/61e752705910bf5855295621/2df03153-7558-4dbd-bb28-dd157aa7164a/How+to+Avoid+Common+Notary+Certificate+Mistakes.png Learn More Mistakes can happen — but for a Notary even a minor error can lead to major headaches, including a document being rejected. 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