provide the answers for the following multiple choice questions base on the best of your knowledge. Thank you! To properly identify your signer named in documents as "James Carl Braden", his acceptable form of identification should read: A. James Carl Braden B. James C. Braden C. James Braden D. Options A and/or B are both acceptable Blank spaces in the contents of a document to be notarized: A. Need not concern the notary, you are just concerned with the notarial certificate area B. Renders the document unacceptable to notarize unless information is attainable and used to complete the blank spaces and initialed by the signer C. Can be lined through by the signer and initialed by the signer D. Both B and C If you were notarizing a document in a county other than where the property named in the document is located, you would complete the "Venue" portion of the notarial certificate by: A. Writing in the county where the property is located B. Writing in the county where you are commissioned C. Writing in the county where you are notarizing the document D. It doesn't matter which county just as long as you are notarizing in the state you are commissioned A notary is not prohibited from signing for a relative or others, unless doing so would: A. Provide a direct financial or beneficial interest to the notary public B. Conflict with possible state community property law. Care should be exercised in notarizing for a spouse or a domestic partner C. Verify a particular representative capacity of a signer D. All of the above When you are presented with a document naming two individuals and both of their signatures require notarizations, both signers: A. Need to be present at the same time for the notarization to take place B. Can appear at different times, but the notary is to complete only one notarial certificate for both signers C. Can appear at different times, but the notary must separate notarial certificate for each signer at the time they personally appear What is the role of the Credible Witness(es)? A. Verify the identity of a document signer when the document signer does not have proper identification B. Verify the validity of the contents of the document(s) to be notarized C. Act as an impartial witness for the document(s) to be notarized D. To provide a second form of valid ID for the document signer Shannon was asked by her employer to obtain a notary commission to perform notarizations for her workplace. Shannon wishes to use her commission outside of her job as well. Is this allowed, and if so with which of the following regulations must she comply? A. No, if her employer paid for her commission she is only allowed to perform notarizations at her workplace during business hours. B. Yes, but she must use a separate notary journal for notarizations done outside of the workplace. C. Yes, she is a commissioned notary and therefore can perform notarizations outside of her place of employment, but only on her own personal time. D. Yes, but all fees collected outside of the workplace must be given to her boss as he paid for her commission. The primary role of the Notary Public is to: A. Establish a document as "legal" so that it will hold up in court if ever necessary B. Guarantee that the content of the document is true and correct C. Verify the identity of the person(s) signing the document D. All of the above Notary fees: A. Are optional, you are not required by law to charge for notarial services B. Should be charged according to the fees allowed by your state law C. Should be recorded for tax reporting purposes D. All of the above A notary public may NOT certify copies of the following documentation: A. Naturalization Certificates B. Vital Records, Birth or Death Certificates C. Recordable documents such as Title, Deeds of Trust, Quitclaim Deeds or Real Property D. All of the above Which of the following is NOT acceptable in some states when verifying the identity of a document signer? A. State issued Driver's License B. Canadian or Mexican Driver's license C. Immigration Green Card D. Foreign Passport stamped by US Immigration When completing a notarization an acceptable form of identification should contain the following items: A. Identification number, photograph, address, birth date B. Photograph, expiration date, signature, issue date C. Photograph, physical description, identification number, signature, expiration or issue date D. State seal, photograph, issue date, expiration date, signature You are asked to notarize a document and the signer's ID is expired beyond what your state law allows. You can still perform the notarization as long as: A. The borrower can present another form of identification such as a credit card that is in their name for validation and you log their expired ID information in your journal. B. You can verify the photo on the ID matches to their identity and you log the expired ID information in your journal. C. A credible witness(es) is/are provided for identification of the signer. D. They have taken steps to renew their license and have a temporary paper ID for reference. You must still log their expired ID information in your journal. When a Deed of Trust or Mortgage is being recorded in a state where witnesses are required, but is being signed in a state that does not require witnesses: A. Always make sure witnesses sign based on the requirements of the recording state B. Ignore the witness requirement if your state does not require witnesses C. In this case the notary acts as the only witness D. Both B and C Copy Certification by Document Custodian is a notary certificate that is offered in most states and: A. Requires the Document Custodian to sign declaring that the copy is a true and complete photocopy of the original. B. Cannot be used in conjunction with any vital records, naturalization certificates or recordable documents. C. Is an alternative act to a request for a certified copy notarization. D. All of the above Which of the following is NOT acceptable in some states when verifying the identity of a document signer? A. State issued Driver's License B. Canadian or Mexican Driver's license C. Immigration Green Card D. Foreign Passport stamped by US Immigration When completing a notarization an acceptable form of identification should contain the following items: A. Identification number, photograph, address, birth date B. Photograph, expiration date, signature, issue date C. Photograph, physical description, identification number, signature, expiration or issue date D. State seal, photograph, issue date, expiration date, signature You are asked to notarize a document and the signer's ID is expired beyond what your state law allows. You can still perform the notarization as long as: A. The borrower can present another form of identification such as a credit card that is in their name for validation and you log their expired ID information in your journal. B. You can verify the photo on the ID matches to their identity and you log the expired ID information in your journal. C. A credible witness(es) is/are provided for identification of the signer. D. They have taken steps to renew their license and have a temporary paper ID for reference. You must still log their expired ID information in your journal. When a Deed of Trust or Mortgage is being recorded in a state where witnesses are required, but is being signed in a state that does not require witnesses: A. Always make sure witnesses sign based on the requirements of the recording state B. Ignore the witness requirement if your state does not require witnesses C. In this case the notary acts as the only witness D. Both B and C Copy Certification by Document Custodian is a notary certificate that is offered in most states and: A. Requires the Document Custodian to sign declaring that the copy is a true and complete photocopy of the original. B. Cannot be used in conjunction with any vital records, naturalization certificates or recordable documents. C. Is an alternative act to a request for a certified copy notarization. D. All of the above Notarizing for a Minor is: A. Allowed if the minor can provide proper identification such as a State Identification Card and demonstrates a clear understanding of the document to be signed B. Allowed if a credible witness(es) swear to the identity of the minor and the minor demonstrates a clear understanding of the document to be signed C. Is allowed if the minor's legal guardian signs on the minor's behalf, but the minor must appear with the guardian at the time of notarization to verify his/her understanding of the document contents D. All are acceptable A written statement made under oath is a: A. Endorsement B. Jurat C. Acknowledgment D. Authentication Immigration documents: A. Can only be prepared and notarized by an attorney B. Can be prepared and notarized by any notary C. Never require notarization D. Can only be prepared by immigration consultants and notarized by a notary For a document to be notarized, it must contain: A. Text committing the signer in some way B. An original signature of the document signer C. A notarial certificate appearing on the document itself or as an attachment D. All of the above A subscribing witness cannot be used in conjunction with which of the following documents: A. Quitclaim Deed or Grant Deed B. Deed of Trust C. Mortgage or Security Agreement D. All of the above Mr. Wilcox brings his "Will" to you to be notarized. You should: A. Advise him that you are not permitted to notarize the "Will" as you are not an attorney B. Advise him to consult with an attorney before performing the notarization C. Alway use Acknowledgment for a "Will" D. Always use Jurat for a "Will" Allan Bennett has a document to be notarized that was drafted in the State of Texas with regards to a property that he owns there. Can you use an out of state document? A. No, he needs to have the document notarized in Texas where the property is located by a notary commissioned in the State of Texas. B. Yes, if the document has the correct notarial wording for your state. C. Yes, you can use notarial certificate and attach it to the document if it does not already contain the correct notarial wording. D. Both B and C are acceptable A notary may decline a notarization if: A. The document signer is under the influence of drugs or alcohol or is mentally incapable of understanding the transaction B. The document signer does not provide acceptable identification or is unwilling to cooperate C. You, the notary, have a good reason to suspect fraud D. All of the above The notary journal is the exclusive property of the notary public and is required to be secured under the exclusive control of the notary at all times. True False Most states require or highly recommend the use of a notary journal. If your journal is lost or stolen: A. Simply start a new journal B. Immediately notify your State governing agency for specific procedures to follow C. File a police report and start with a new journal D. Nothing will need to be done if your state does not require you to keep a journal You are presented a document that is written in a foreign language. Can you proceed with the notarization? A. No, you should refer the person to someone who can understand the document B. Yes, if you can communicate with the document signer C. Yes, as long as the document is the notarial wording is in English D. Both B and C You are presented a document requiring notorization with no notarial wording. How should you proceed with the notarization? A. Inform the customer that you are not able to complete the notarization and ask them to obtain another document from the issuing agency with proper notarial wording B. Read the document and choose either a jurat or acknowledgment to attach based on the contents of the document C. Explain to the signer the difference between an acknowledgment and a jurat and ask them which they would like to use and be attached to the document D. Tell the signer that if there is no notarial wording pre-printed on the document that it does not need to be notarized You are presented with an Affidavit and the signer has already signed the document. You should: A. Refuse to complete the notarization because it must be signed in the notary's presence B. Have the person swear or affirm the signature is theirs, check the signer's ID then complete the Affidavit's Jurat certificate C. Have the signer cross out his signature and initial the change then sign again in front of you D. Cross through the Jurat certificate on the document and attach a loose certificate to the original document If the borrower(s) refuse to sign their loan documents, you should leave their copy of the loan package in case they change their mind and you reschedule the appointment. True False The Notary Signing Agent should have overnight delivery shipping materials available for return deliveries in case the company that sent you the signing order didn't include a return envelope. A. True B. False Notary Signing Agent's are required to have an overnight delivery account(s). (FedEx, UPS, etc.) True False In starting your own mobile notary business, it is required to obtain a business license in the county or parish you are commissioned. True False If you are interested in having a business name or DBA (Doing business as) where should you go to get this done? A. Typically the County Clerks office in the county your business is located ( or parish in LA ) B. The city in which you live C. The Secretary of State office where your business is located D. Your local United States post office You can deduct your business mileage as a self-employed person doing mobile notary work. True False As a Notary Signing Agent you should refuse to give an imprint of your notary seal to any prospective company you are looking to do business with and instead give them a copy of your notary commission. True False When you accept Email Documents for a loan signing, it is acceptable to negotiate a fee for printing the documents including the borrower copy. True False When loan documents are delivered by courier be sure to check that two sets of the documents are included. If not call the company that sent them to you for approval to make a borrower's set and for the fee you will charge to make them. True False Always check the date on the NOTE in the loan package to be sure the date is on or before the signing date. True False All income earned as a Notary Signing Agent should be reported to the IRS (Internal Revenue Service). True False An Errors and Omissions Insurance Policy: A. Protects the notary and insures against his or her own mistakes with the exception of any intentional violation of your state's laws B. Protects the general public against mistakes made by the notary public C. Is required by law in all states D. Is only needed if you are working as a notary signing agent completing loan document signings In regards to loan documents, the "rescission period" refers to: A. Payment terms set forth by a signing service or title company B. The period of time after loan documents have been notarized until the loan funds C. The three business day "right to cancel" D. The time from when you receive loan documents until your signing appointment with the borrowers A borrower signing loan documents, must personally appear and sign before the Notary Public for an "Acknowledgment", no exception. True False The borrower's "Right to Cancel or Right of Rescission" exists in all loans regardless of loan type, property type or lender. True False Conventional, FHA and VA are three types of 1st Mortgage refinance loans. True False The "Right to Cancel" gives the borrower three (3) business days, including the day they signed, to cancel their transaction. True False Payments into the Impound Account are included in the mortgage payment amount that is reflected on the document called "Note" in the loan package. True False Unless instructed by the company who hired you, it is good practice to always use blue ink when notarizing documents. True False If the documents were signed on Thursday, April 8th, the rescission period would end: A. Saturday, April 10th at midnight B. Sunday, April 11th at midnight C. Monday, April 12th at midnight D. Tuesday, April 13th at midnight In a set of loan documents, the "Compliance Agreement" is an agreement between the borrower and lender: A. Allowing the notary to make corrections on the loan as advised by the lender B. To cooperate together in the adjustment of typographical errors C. Confirm that all of the information in the loan document set does not require correction An "Affidavit" contains which of the following notarial certificates: A. Acknowledgment B. Jurat C. Does not contain notarial wording because it is not required on an Affidavit If the bottom line of page 3 of 5 on the "Loan Closing Disclosure" reflects that the borrower has money due at the signing appointment: A. Contact the borrower prior to the appointment to verify that they know that money is being required to close their loan. B. Accept cash only so there is no chance of funds not being honored. C. Tell the borrowers to call their lender to make arrangements as you do not want to be responsible for collecting money. In the loan document package, what is a W-9 Form? A. Form used to report income to the IRS B. Verification of Citizenship C. Form to report fees paid to the lender D. Verification of Taxpayer ID number In the loan document package, what is a 4506 Form? A. Breakdown of fees B. Request for Audit C. Request for copy of tax form D. Verification of Taxpayer ID number What document in the loan will show you if there is a lien against a property? A. The Note B. The Deed of Trust (Mortgage or Security Agreement) C. Truth in Lending D. Both A and B What documents are typically signed by the non-borrowing spouse? A. Deed of Trust, Right to Cancel B. Note, Deed of Trust, Payment Letter, Truth in Lending C. Deed of Trust/Mortgage, Right to Cancel, Loan Closing Disclosure, and Section 32 document (If applicable) The definition of a "Signing Service Company" or "Closing Company" is: A. The company who draws up the loan documents B. The company who sub-contracts signings to notaries C. A company that does both A and B D. None of the above The term "E-docs" refers to: A. Loan documents that are to be notarized electronically B. Loan documents that are emailed to you as a PDF file or accessed on an internet web site for printing C. An abbreviated name that a Signing Service will use for "Easy Docs" D. Can be either A or B In the loan package, the "NOTE" reflects: A. Loan amount and interest rate B. Monthly payment due and date of first payment due C. Prepayment and late payment terms D. All of the above An Escrow or Impound Account reflects all property taxes and insurance that will be included in the borrower's monthly payment. True False Which document in a loan package gets recorded? A. Right to Cancel B. Deed of Trust C. Truth-in-Lending Disclosure Statement D. Estimated Closing Statement Which document in the loan set best indicates if there will be a pre-payment penalty? A. Loan Estimate Disclosure B. Section 32 Document (not included in all loan packages) C. The Loan Closing Disclosure D. Both A and C Never have the borrower(s) sign a "Corporation Assignment of Deed of Trust/Mortgage" if it is included in a loan document package. True False When should you contact the borrower(s) to schedule the exact signing time and location if not already established? A. Within one hour of accepting the appointment B. Within 24 hours of accepting the appointment C. It is not your responsibility to contact them, the Loan Officer is to coordinate a time with you and the borrower(s) D. The borrowers are supposed to contact you to set up the appointment How can you best protect yourself from companies you are doing the first signing for and do not have a contract with? A. Have them pay you in advance B. Have them sign a payment agreement with you C. Don't work with any company who does not provide a contract and payment schedule D. Go ahead and do the signing, most companies are trustworthy and will pay you upon completion You forgot to notarize the "Deed of Trust" in a loan package. The company that assigned the order to you has faxed the document to be notarized and asked you to fax back to them. This is an acceptable method of correction. True False Which of the five (5) documents listed in our training course books for notary signing agents are the most important to the borrower(s)? (You may want to point out key points and terms on these documents before borrowers start the loan document signing process.) A. Note, General Title Provisions, W9 Form, Right to Cancel, Deed of Trust B. Note, Deed of Trust, Right to Cancel, Loan Closing Disclosure and Loan Estimate C. Note, Right to Cancel, HUD 1, Title Closing Instructions, Deed of Trust D. Note, 4506 Form, Escrow and Impound Account, Deed of Trust, Truth in Lending What does it mean when you are told that the Loan Documents are DATE sensitive? A. All the dates on the documents are the same B. The borrowers must sign on and date the loan documents the same date as the documents C. You need to change the date on the documents to match the signing date D. Both A and B When should you ask the borrowers for photo identification? A. After the loan signing is complete B. At the beginning of the signing appointment C. Before the Deed of Trust is signed D. When you log the borrower's information in your journal You are completing a signing for a borrower, Carrie Erikson, who has informed you that she has just recently gotten married and she is now Carrie Harmon. The loan documents were drawn up in her maiden name and her driver's license still reflects her maiden name as well. What is the proper way to handle the loan signing? A. Use two credible witnesses B. Have her husband act as a credible witness C. Cross out Erikson where it appears throughout the document set and write in Harmon having her initial the change and sign using her new married name D. Complete the "Signature Affidavit" by having her sign as Carrie Erikson and have her sign again on this document as Carrie Harmon You are asked to notarize a Deed of Trust that reflects two signers, husband and wife, but only the wife is present. You should: A. Refuse to complete the notarization until both signers are able to be present together B. Complete the Acknowledgment and ask the wife to have her husband to sign it later C. Complete the Acknowledgment for the signer who is present The borrower's name is listed as David M. Meyers throughout the documents but in fact his middle initial is actually N and not M. What is the best way to handle this problem? A. Cancel the signing and notify the loan officer to have the documents redrawn B. Ignore the printed name and have the borrower sign his correct name C. Have the borrower sign as shown on the documents and tell him to ask his lender to fix it later D. Call the loan officer to confirm the correction is OK without a redrawing of the documents. If given the OK, have the borrower draw a single diagonal line through the error, write in the correct information and have the borrower initial the change If the loan documents were dated before the signing date, NOT date sensitive, and have the date printed by the borrower's signature, you should: A. Make sure the borrowers sign with the date that is on the top of the document B. If the signature dates are not correct have the borrowers line through that date, initial the change and sign with the current date C. Change the date on the top of the documents to match the signing date D. Refuse to sign and have the documents redrawn You show up for a signing appointment and the husband informs you that he is signing for his wife as Power of Attorney because she is out of town. You should: A. Refuse to sign and cancel the appointment because that was not disclosed to you B. If you cannot contact the lender immediately, have the borrower sign the documents correctly with his signature and using the proper wording signing for his wife as power of attorney and enclose the original power of attorney form with the documents C. Only sign the husband and make another appointment for the wife to sign when she returns D. Sign the husband and leave the documents with him to have his wife sign when she returns You are completing a set of loan documents for Angela Bennett. Her driver's license still reflects her maiden name, Angela Albright. What is the proper way to handle the loan signing? A. Inform her that you are not able to complete the loan signing if she cannot provide identification showing her name as Angela Bennett and suggest that she call her loan officer on how to proceed B. Use a credible witnesses or witnesses to confirm her identity C. Complete the "Signature Affidavit" by having her sign as Angela Bennett and have her sign again on this document as Angela Albright D. Both B and C are correct What should you do if there are clerical mistakes on the loan documents? A. If the "Notary Instructions" in the loan package allows for corrections, you should follow the instructions B. Have the borrowers call their Loan Officer, Title Company or Lender for instruction C. If no instructions are provided and you can't contact the above referred, you should call your Signing Service or Closing Company for instructions D. All of the above are options What is the first thing to tell the borrowers if they do not want to sign the loan documents? A. Have the borrowers call their Loan Officer after you have left the appointment B. Give the borrowers their copy set and leave C. First remind them of their 3 day right to cancel, and secondly they can call their Loan Officer for answers. D. Tell them that the documents are date sensitive and have to be signed that day What is the best policy to follow after an appointment with a borrower that is a NO SIGN? A. You can just trash the document set since they are now null and void B. If the borrowers did not want to sign, you can leave all the documents with them and they can give them back to their Loan Officer C. Call the Signing Service or Title Company that contracted you for return instructions on the loan package D. Shred all of the documents immediately so borrower's information is secure If you arrive for an appointment and the borrowers are a NO SHOW you should: A. Wait 10 minutes and then leave B. Call the borrowers to find out if they are running late C. Wait 30 minutes and then call the service that gave you the order. Leave a note on the borrower's front door that they missed their scheduled appointment D. Both B and C are correct Once the signing appointment has been completed you should report the outcome of the signing to the company who contracted you: A. Immediately B. Within 24 hours C. You do not need to contact them direct, the borrowers are supposed to do that D. When ever you get a chance just as long as it is before the borrower's three day Right to Cancel is up Immediately after the signing is complete you should call the company that gave you the signing order and do the following: A. Give them the status of the signing B. Give them the borrower's name, order number and completion date. C. Give them the overnight tracking number for the documents return. D. All of the above are acceptable When invoicing a company that you have just completed a signing order for, which of the following is the best practice to follow? A. Immediately after the signing is complete B. At the end of the month C. Within 30 days You are at a loan document signing and you have a document called a "Subordination Agreement". This document should be signed by the borrower and notarized. True False You are notarizing a set of loan documents for Mr. and Mrs. Bradstone. During the signing Mr. Bradstone leaves to use the restroom and Mrs. Bradstone explains her concern about signing the documents saying she doesn't want to but her husband is making her. In a situation like this what should you do? A. Express your sympathy to her but explain that you cannot get into personal issues. Your job is only to witness them sign the documents and complete the notarizations required. You can remind her of her 3 business day right to cancel B. After you have completed the signing and have left the signing location call the lender immediately to make them aware of the situation C. Stop the signing immediately. You should not proceed with notarizing documents for someone who demonstrates unwillingness or is being coerced into signing the documents D. Tell her to sign the loan documents and just use her Right to Cancel form to stop the funding of the loan E. Both A and B are correct When presenting the Right to Cancel form during a loan signing, the borrower mistakenly signs on the "I wish to Cancel" line. What should you do? A. Use the borrower's copy as a replacement in the loan document set B. Have the borrower cross it out and initial the change C. Use white out D. Just remove the Right to Cancel form from the loan document set Mr. Staton is signing a set of loan documents on Tuesday, April 13th and Mrs. Staton is signing the documents the following day Wednesday, April 14th. When does the 3-day Right to Cancel start? A. Either day is fine, the escrow company will adjust accordingly since they signed on different days B. Mr. Staton's date starts the 14th and Mrs. Staton's date starts the 15th C. Mr. Staton's date starts on April 13th which is his signing date D. Mrs. Staton's date starts on April 14th which is her signing date E. Both C and D are correct If a mistake is made, white-out can only be used on which document: A. Grant Deed B. Deed of Trust C. Right to Cancel D. Never use white-out on any document Borrowers are in a "Living Trust" and are signing loan documents. It is correct to have the borrowers sign by adding "Trustee" after their signature on documents that have their name with "Trustee" after it. (Example John Q. Signer, Trustee or Nancy M. Signer, Trustee) True False You are asked to sign loan documents for Mr. and Mrs. Castro. When you arrive at the signing you find that Mrs. Castro does not speak English but Mr. Castro would like to act as a translator. What should be done in this case? A. Go ahead with the signing as long as Mr. Castro tells you that his wife understands the information he is relaying to her and that she is signing under her own free will B. Refuse to complete the signing and leave immediately C. Call the company who assigned the signing and have them reassign to a Notary Signing Agent who speaks the customer's language D. Call the Loan Officer to double check and if they say it is okay, then proceed with the notarization When completing a "Signature by Mark": A. The signer needs to provide proper identification B. Two witnesses must observe the person signing by mark and both must sign the document as witnesses C. One witness must write the signer's name next to the mark D. All of the above The following loan types are all 2nd Mortgage loans; Home Equity Line of Credit, Home Improvement, Debt Consolidation, Title 1. True False