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The New Mortgage World

With the millennial wanting everything NOW, 2017 is going to bring some changes. First E-Closing is going to take off. This may be a good time to become an E-Notary if you are not one already. The mortgage industry is changing. New companies like Rocket Mortgage are speeding up the process of approvals and income verification.

Investor are seeing this change and putting their money into companies that are setting up for this change. I hope your eyes are open I do not want you blindsided. Become an E-Notary to make sure you are ready when they are.

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Fees

Hello and welcome to 2017, I have noticed that Signing Agents fees have gone down. This could be due to companies like SnapDocs and NotarySerch.

I recommend you stick to your guns. Fees of $100 for a Refinance is appropriate. I would add to your fee for fax backs, documents over 150 pages, after hours, Sundays, holidays and distance.

Have a great year.

 

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Setting up Google Voice

I use Google Voice for my Signing Business. With Google Voice I know when to answer the phone with "Hello" and when to answer professionally. Here is how to set it up:
Go to Google.com. If you have an account with Google sign in if not set up an account.
Then in the top right corner you will see a bunch of dots. Click on them. At the bottom of the pop up box is a link to more. On the new pop up box at the bottom click on even more. On this page drag down. In the left column about half way down you will see Voice. Click on it. You want a new phone number. Follow the prompts. Once it is set up click on setting wheel. Click on the Calls tab. Next to Caller ID (incoming) mark Display my Google Voice number.
Now go to your cell phone and save your new number as Signings. This way when your phone rings you will know it is a Signing Company calling.
When ever you sign up with a company use your google voice number so that when they call you will know how to answer your phone.
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August 1, 2015 changes coming

New in August is the combining of the Good Faith Estimate and the TILA into a new document called the New Loan Estimate.

Also, the HUD-1 and the Final TILA will be combined into the New Closing Disclosure.

Here is a sample of the new forms New Closing Disclosure and new loan estimate

 

 

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A Mobile Notary’s Nightmare: A Signer With A Gun

This is found in the National Notary Association Notary Bulletin please read!!

Mobile Notary nightmare

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New No No list out

Hello, here is a listing of Signing Companies that are not paying for our services. If you find one that you have been working for and are getting paid on time please let us know.

This list is only available to paid members. Click Here

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This morning there was a press release from the Mortgage Bankers Assn. They lowered their forecast for loan originations in 2014.

If  you are a member of Linkedin please read this conversation from Howard B. :  Click Here

Basically a few people are speaking out about companies requiring us to go through NNA to get our back ground checks.

The other part of the conversation is that we can expect to have companies try to get us to take less money for assignment and there will be less assignments to go around.

Howard B.Owner at Pro Mobile Notary

Their outlook is suggesting to them that refinances activity will be down 60% relative to 2013 while purchase loan activity will rise by only 3.8%.

Let me pose a rhetorical question to you. If you owned a signing service and your escrow company or lender clients demanded that you maintain certain documents/records for all your subcontractors, are you going to comply or tell them to take a hike?

No doubt everyone already understands that there is going to be dramatically fewer signing assignments this year relative to last year as evidenced by what happened in the last quarter of 2013.

As a signing service owner are you going to use undocumented signing agents that are trying to fight the government mandates (as interpreted by those clients) or are you going to use NSAs that provide what is being demanded?

No doubt many NSAs will leave the business the same way the Dodd-Frank requirement of national licensing of loan originators (on top of state licensing where required) drove many of them out of that industry.

There are a few comments so please go to the link above.

 

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Nationwide Notary Registry Special

Internet advertising is crucial to your Notary business advertising strategy. If you are serious about your Notary career you must consider online advertising on NationwideNotaryRegistry.com. This will allow title & escrow companies and general public to have accurate information when seeking you for Notary Public signings.

Throughout the entire month of Thanksgiving, we are offering a special price - $20.00 / year - on your membership with the NationwideNotaryRegistry.com.

We are a young, dynamic and energetic company that has a multi skilled team of dedicated professionals. 

Our vision is simple yet ambitious: to create the largest online Registry of Notaries Public in the USA. Sign up now(secure page) 

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Don’t make too many vacation plans for the end of October through the end of the year.

 

Howard BlumOwner at Pro Mobile Notary

For those of you unaware of my background, I am an economist that has been following the Federal Reserve since my days on Wall Street in the last 1960s. For the past 25 years I have been closely following interest rate trends and I publish a daily newsletter for the loan origination and fixed-income investment communities.

As our national economy has shown that the expansion of our economy has slowed and the higher interest rates have made the home sales continuum buckle the Fed backed away from their idea of tapering their purchases of the stuff that moves home loan rates, the credit markets have responded appropriately.

I am forecasting a resurgence of refinance signings for the last two months of 2013.

Found on Linkedin, group name Mobile Notaries. Are you a member? It is free!

Read comments at http://www.linkedin.com/groupItem?srchtype=discussedNews&type=member&fromEmail=&trk=eml-anet_dig-b_pd-ttl-cn&ut=2pmYBSXg3M3lY1&item=276489271&gid=2940355&view=

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