Notary Signing Agent Practices Flashcards

When does an NSA typically complete the notarial certificate on the Deed of Trust?

Answer: At the signing, after the borrower signs or acknowledges before the NSA

A certificate must be completed at the time of the notarial act and only after the signer personally appears.

What is a 'scanback' in signing agent work?

Answer: Scanning and emailing specified signed pages to the hiring company before shipping

Scanbacks let the title or escrow company review key signed pages quickly before the originals arrive.

Which document allows the lender to request the borrower's tax transcripts from the IRS?

Answer: Form 4506-C

Form 4506-C authorizes the IRS to release tax transcript information to the lender for income verification.

Which item is NOT a standard qualification many signing services require of NSAs?

Answer: A real estate broker license

Signing services commonly require a commission, background screening and E&O insurance, but not a real estate broker license.

What does the Compliance Agreement usually require the borrower to do?

Answer: Cooperate in correcting clerical errors in loan documents

The Compliance Agreement (Errors and Omissions/Compliance) has the borrower agree to re-sign or correct documents with clerical errors.

An NSA arrives and finds the borrower appears confused and unable to understand what they are signing. What is the correct action?

Answer: Stop the notarization and contact the hiring company

Notaries must decline when a signer appears unaware or lacks willingness, and the NSA should notify the hiring company.

How should an NSA respond if asked to backdate a notarial certificate to match the loan date?

Answer: Refuse, since the certificate must reflect the actual date of the notarization

Backdating a notarial certificate is fraudulent and is never allowed.