A Notary Public is a public officer that is commissioned by government authority. In New York Notary Public are appointed and commissioned by the Secretary of State for a term of 4 years. A Mobile Notary Public or a Traveling Notary is just a Notary who like a visiting doctor will travel to your home or place of business to take care of your notary needs.
Mobile notary public performs the same service as the notary you’ll find at your local bank or Kinko’s store. Mobile notaries can provide higher level of personalized services that you can’t get at your bank. For instance if you’re in a hospital or home bound and you need a Power of Attorney notarized or you need to make a selection on your pension notarized, a mobile notary public will be the person to call. Many bank or even the free notary at the town clerks office or City Hall will not notarize a document in a foreign language.
Not only do mobile/traveling notaries provide better personalized notary service, they are available during hours when most notary businesses are closed & gone for the day. Some mobile notaries work 24 hours a day, 7 days a week. They are always available to service your notary needs.
Since the mobile notary is traveling to you, they will usually charge you an additional fee for traveling. The fee the notary will charge varies according to the notary service area. If the notary has to travel far the price will be higher than what they will be charged for someone who is close by. Some notaries will only work a fixed area such as Lower Manhattan, SOHO, NOHO, Battery Park or certain counties, like Kings, Queens, Nassau or Suffolk. Also, the notary may have special fee rates for going to a hospital, jail or airport. They may also have a special rate for traveling after a certain hour or late at night. There is no standard fee for traveling so one notary fee maybe higher than another notary.
A Notary can also perform special services called Apostille processing. An Apostille document is one that is prepared to conform to the standards of the Hague Convention. Documents prepared in this manner are acceptable for use in countries that are signatories of the 1961 Hague Convention.
If a country was not a signatory to the 1961 Hague Convention then the document will have to be taken to the consulate of the foreign country to certify it for use in their country.
Each state has there own set of rules or laws that a notary must follow. In some states a notary can marrying a couple. They could also sign a Will, and witness the signing of mortgages. Notaries who sign mortgages are called Notary Signing Agent.
A Notary Signing Agent is a Notary Public who specializes in signing various types of mortgage loans, such as Purchase, Refinance, Reverse Mortgage, Consolidation, Extension and Modification Agreement, CEMA. When a Notary passes a test demonstrating the knowledge of various papers that make up a mortgage loan, he is called a Certified Notary Signing Agent. Mortgage witness signing Notaries are also required to have a background check, some state require a background check as a requirement to become a notary.
In addition the state requirement for insurance some title companies, banks, etc require the notary to have Error and Omission Insurance. This insurance is to protect the notary public against any negligent and honest mistake up to the policy limit. This insurance is call Errors & Omission Insurance, (E & O insurance). Many title, escrow or lenders are now requiring notaries to have an error and omission policy of $100,00 to be an approved independent contractor. There is also an insurance called signing agent error and omission insurance policy. This insurance is for when the notary makes an error on part of a mortgage document that is not related to the notarial signing. Some states also require the notary to be Bonded. Most states require a Notary Bond to protect the public & State — not the Notary so the public can recover any damages for failure of the notary to discharge their duties notary, This Bond is also called Surety Insurance.
Notary Signing Agents get their work assignments from title companies, banks, escrow companies, loan modification companies and settlement companies. Many times there is a middle man between the bank & the notary. These Signing Companies get assignments from the sources mentioned above. Because they act as the employment agency assigning jobs to notaries who are registered with them. They also take part of the fee that the notary would have received had the notary received the assignment directly from the bank or source.
Mobile notaries are pretty easy to find. Just go to you favorite search engine and search for mobile/traveling notary & use your town, (e.g. long island mobile notary public ). Or you can search for the type of service you require, (e.g. traveling notary apostille copiague ny) you’ll find me there on page one or two of Google.
Can you make a living as a notary. Yes. But more on that in our next blog.
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