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Notary Signing Agent Practices Flashcards

7 cards from real NNA practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

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  1. During a refinance signing, the borrower asks the Notary Signing Agent whether the interest rate on the Note is a good deal. What should the NSA do?

    Answer: Tell the borrower to contact the lender or loan officer

    Giving opinions or advice about loan terms is outside the NSA's role and may be the unauthorized practice of law, so questions go to the lender.

  2. Which document is the borrower's written promise to repay the loan?

    Answer: Promissory Note

    The Promissory Note is the borrower's promise to repay the loan under the stated terms.

  3. For a refinance of a primary residence signed on a Friday, when does the three-day right of rescission period usually end, assuming no federal holidays?

    Answer: Midnight Tuesday

    Under Regulation Z, Saturdays count as business days for rescission but Sundays and federal holidays do not, so Saturday, Monday and Tuesday make up the three days.

  4. Which document typically requires a notarization in a standard loan signing package?

    Answer: Deed of Trust or Mortgage

    The security instrument (Deed of Trust or Mortgage) is recorded in public records, so it has to be notarized.

  5. A borrower signs as 'Bob Smith' but the documents print 'Robert J. Smith.' What is the best practice?

    Answer: Have the borrower sign as printed and stay consistent with the ID

    Signers should sign the name exactly as printed, provided it matches their ID, so the documents stay consistent.

  6. What is the main purpose of a Signature/Name Affidavit in a loan package?

    Answer: To record the borrower's other names and signature variations

    A Signature/Name Affidavit (AKA statement) lists the names and signatures the borrower has used so the borrower can be identified correctly.

  7. A signing finishes and the instructions say to drop documents at a shipping carrier the same day. What should the NSA do?

    Answer: Ship them according to instructions before the carrier's cutoff

    Following the hiring company's return instructions promptly protects the funding timeline and the security of the documents.