Notary Expectations

Probably Lenders, banks, signing agencies, title companies, loan officers have their specific ideas on how a Notary Public should handle a signing.   This summary from BOA may be close of what in general is expected from a Notary.

APPEARANCE AND HYGIENE
The signing professional should project a professional, well-groomed image to include a neat appearance and good personal hygiene. Both business attire and business casual attire are appropriate.   Smokers should be conscious of the sensitivity of non-smokers as well as the lingering affect that smoking may have on clothing, hair and skin.
Acceptable
Business Attire
♦ Business Suits-Men & Women’s
♦ Business Slacks
♦ Skirts/Dresses (to the knee or
below)
♦ Dress Shirts with Tie
♦ Blouses
♦ Dress shoes
Business Casual Attire
♦ All of the above plus
♦ Pants :
Tailored Slacks (including
dockers and khakis)
Capris /Crop Pants (must
be 4” below knee)
Split skirts(to the knee or
below)
♦ Shirts :
Dress Shirt – without tie
Polo Shirt (must have a
collar)
Sweaters
Sleeveless shirts/dresses
(must cover shoulders,
back, and midriff at all
times)
♦ Shoes :
Casual dress shoe
Slingback/Open-toe shoes
Courtesy
The signing professional should always depict professional and respectful behavior during the signing regardless of the signing location and the informality reflected in the environment.
Do not bring a guest (friend, child, spouse, or pet) into the signing or have
guests wait outside in a vehicle.
Park vehicle on the street and never in the Borrower’s driveway.
Use designated walkways and paths to get to the front door. Do not cross
over the lawn and/ or the flowerbeds. Be careful not to track any dirt or debris into the Borrower’s home on your shoes.
The signing agent should introduce himself/herself as a signing professional
at the request of Bank of America and the title company.
Be prepared to present identification to the Borrower to establish identity of
signing professional.
Greet the Borrower with a handshake and wait to be invited inside. Once
inside, suggest an appropriate place to conduct the signing such as a kitchen
or dining room table.
Be respectful of the banking center environment. The signing professional
should connect with bank personnel upon arrival to identify what space has
been designated for the signing.
Conduct During Signing
Each Borrower’s prior involvement with the signing process will be different. Some
Borrowers may have had participated in many signings and for others, the current
signing represents their very first experience. The Borrower may have many concerns
or have lots of questions. The signing agent should be prepared to respond
appropriately to include calling their Service Provider for assistance or directing the Borrower back to the lender for answers, as warranted. The signing professional’s confidence, control and preparation can influence the direction of the signing.
Focus complete attention on the Borrower and signing activity at hand.
Do not accept calls during the signing.
Place cell phones, pagers and other electrical devices on silent or off mode.
Witness the Borrower signing. Do not leave the Borrower to sign alone for
any reason.
Present the entire document to the Borrower for review and signature. It is
never acceptable to present the signature pages only.
Be patient. Borrowers should not be rushed through the signing process.
Be prepared to speak to the general functionality of a document in the
package.   Borrower should direct any loan specific questions to their bank
representative if they have questions regarding the details of the loan. Any
opinion/response from the signing professional may confuse the Borrower or
imply a promise or commitment outside the scope of the transaction.
Contact the Service Provider immediately if Borrower refuses to sign any
documents.
Respect the importance of this transaction to the companies you represent.
Do not engage in conversation with the Borrower that may discredit either
the lender or the title company being represented.
Do not provide advice of any sort to the Borrower or any party involved in the transaction.
Do not engage in personal conversation with Borrowers at any time.  Personal
conversation can be defined as discussing anything unrelated or not
associated with the closing.
Avoid small talk. Sports, politics, religion, news events and even comments
about the Borrower’s home should be avoided.
Never use foul language or slang while speaking with a Borrower.
Double check closing documentation for accuracy before closing and after
closing.
Thank the Borrower for his/her time.
Forward the executed package immediately to the appropriate party following the signing.
The security of the Borrower’s information is a priority. The transporting and
transmission of the closing package and all related documents/information
should be handled with extreme care. Please refer to “NTP Communication:
Privacy Event…” published on March 15, 2012 for guidelines on handling
Borrower data.

APPEARANCE AND HYGIENE
The signing professional should project a professional, well-groomed image to include aneat appearance and good personal hygiene. Both business attire and business casualattire are appropriate. Smokers should be conscious of the sensitivity of non-smokersas well as the lingering affect that smoking may have on clothing, hair and skin.
AcceptableBusiness Attire
♦ Business Suits-Men & Women’s♦ Business Slacks♦ Skirts/Dresses (to the knee orbelow)♦ Dress Shirts with Tie♦ Blouses♦ Dress shoes
Business Casual Attire
♦ All of the above plus♦ Pants :Tailored Slacks (includingdockers and khakis)Capris /Crop Pants (mustbe 4” below knee)Split skirts(to the knee orbelow)♦ Shirts :Dress Shirt – without tiePolo Shirt (must have acollar)SweatersSleeveless shirts/dresses(must cover shoulders,back, and midriff at alltimes)♦ Shoes :Casual dress shoeSlingback/Open-toe shoes
Courtesy
The signing professional should always depict professional and respectful behaviorduring the signing regardless of the signing location (Borrower’s home, Bank of Americabanking center, etc…) and the informality reflected in the environment.
Do not bring a guest (friend, child, spouse, or pet) into the signing or haveguests wait outside in a vehicle.Park vehicle on the street and never in the Borrower’s driveway.Use designated walkways and paths to get to the front door. Do not crossover the lawn and/ or the flowerbeds. Be careful not to track any dirt or debrisinto the Borrower’s home on your shoes.The signing agent should introduce himself/herself as a signing professionalat the request of Bank of America and the title company.Be prepared to present identification to the Borrower to establish identity ofsigning professional.Greet the Borrower with a handshake and wait to be invited inside. Onceinside, suggest an appropriate place to conduct the signing such as a kitchenor dining room table.Be respectful of the banking center environment. The signing professionalshould connect with bank personnel upon arrival to identify what space hasbeen designated for the signing.
Conduct During Signing
Each Borrower’s prior involvement with the signing process will be different. SomeBorrowers may have had participated in many signings and for others, the currentsigning represents their very first experience. The Borrower may have many concernsor have lots of questions. The signing agent should be prepared to respondappropriately to include calling their Service Provider for assistance or directing theBorrower back to the Bank for answers, as warranted. The signing professional’sconfidence, control and preparation can influence the direction of the signing.
Focus complete attention on the Borrower and signing activity at hand.Do not accept calls during the signing.Place cell phones, pagers and other electrical devices on silent or off mode.Witness the Borrower signing. Do not leave the Borrower to sign alone forany reason.Present the entire document to the Borrower for review and signature. It isnever acceptable to present the signature pages only.Be patient. Borrowers should not be rushed through the signing process.Be prepared to speak to the general functionality of a document in thepackage. Borrower should direct any loan specific questions to their bankrepresentative if they have questions regarding the details of the loan. Anyopinion/response from the signing professional may confuse the Borrower orimply a promise or commitment outside the scope of the transaction.
Conduct During Signing cont…
Contact the Service Provider immediately if Borrower refuses to sign anydocuments.Respect the importance of this transaction to the companies you represent.Do not engage in conversation with the Borrower that may discredit eitherBank of America or the title company being represented.Do not provide advice of any sort to the Borrower or any party involved in thetransaction.Do not engage in personal conversation with Borrowers at any time. Personalconversation can be defined as discussing anything unrelated or notassociated with the closing.Avoid small talk. Sports, politics, religion, news events and even commentsabout the Borrower’s home should be avoided.Never use foul language or slang while speaking with a Borrower.Double check closing documentation for accuracy before closing and afterclosing.Thank the Borrower for his/her time.  Forward the executed package immediately to the appropriate party followingthe signing. The security of the Borrower’s information is a priority. The transporting andtransmission of the closing package and all related documents/informationshould be handled with extreme care.

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West Sacramento NotaryCalifornia Bilingual Secretary of State Apostille ServiceSpanish English TranslationTraffic Exchanges

About Sergio Musetti

Mobile Notary Public business, certified signing agent, Spanish translation interpreting, fingerprinting, Apostille service in California. Apostilla y traduccion. Loan Signing agent with National Notary Association since 2003 http://CaliforniaApostille.us http://WestSacramentoNotary.com
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