Sign Reserve

Pushing the Mobile Notary, Signing Agent Out of Business – Why Do We Hurt the Ones We Love?
Due to the fact lenders are doing business Nationally, the Mobile Notary Public, Signing Agent (NSA) is often the only live contact with their borrowers. Between ensuring documents are printed correctly, coordinating appointments with the borrowers, driving to a location of the borrower's choosing, carefully performing the closing & returning the professionally executed package, it is amazing that the Notary Signing Agent is often the least paid and most under appreciated part of the loan process. Why do we hurt the ones we should love?
Let's look at the Notary Signing Agent fees for instance. If an NSA is lucky, they are doing a good amount of work for companies that pay fair fees. The unfortunate reality is, most companies today want the NSA to do more for less money and this is pushing them out of business. There are notary signing services out there, and even some title/escrow companies, that are expecting a NSA to perform a closing for around $50. Out of the $50 the NSA must account for, gas, tax and regular expenses. You divide the remaining money by the time it takes between the actual appointment, phone calls, emails, round trip driving, fax back requirements (like many ask today) and the NSA is left with an extremely low net payment.
It is understood that "signing service" companies are middlemen and their fees will be less than working directly with title, escrow or a lender. The problem is that their fees are usually disproportionately low to the notary. We often see $150 to $200+ paid to the signing service, while the payment is only around $50 to the notary. The notary is the one doing 90% of the work and they're getting 1/3 to ¼ of the fee.
In addition to the low base fees, notaries are often asked to take a 50% fee when the borrowers refuse to sign. When a NSA reserves a certain amount of time for a client they need to be paid for that time as long as the no-sign is not the fault of the notary. The NSA cannot get that time back, nor can they schedule any other work during that time, so it is time lost. It should never be the NSAs responsibility to take the financial hit if the borrowers do not sign because they were not fully prepped by the loan officer, there were errors on the docs or if the borrower does not show up. We don't see the lender take back half of the appraisers fee if the loan does not close, so why do they get to disrespect the notary and not pay them for the time they reserved? The notary did nothing wrong but they are the easy scapegoat.
We are not even going to cover other issues that are forcing many NSAs out of business such as chastising them for not accepting an invalid ID or for not backdating docs etc. This constant goading by hiring parties is another "last straw" for the NSA but we will cover those issues in future articles. The bottom line is; it is up to the NSA community to come together and demand fair pay and treatment.
About the Author
Ryan M. Edwards
President Of Notary Advocate, LLC.
Helping The Average Notary Signing Agent Become Great!
Working to enact a suggested minimum Notary Signing Agent fee structure. Check out N'ACT at www.NotaryAdvocate.com Plus - Using my 10 years experience, we help the Mobile Notary, Signing Agent get more work. Fill out one easy form and you will be entered in the top 150 notary search databases. Also, collection assistance, payment protection, forms & resources.
what is good sign up for Active duty or reserve then switch to Active while deployed?
I am National Guard deployed right now and am thinking about that question my ETS is coming up May 09 and i will be in a combat zone in May 08 and beyond which would make switching to Active very lucrative for me( tax free sign bonus) i guess when you sign up for the reserves you would have to know they are going overseas and it would have to be in time frame you could resign, you would have to be lucky for that to work
HR1207 The Federal Reserve Transparency Act of 2009 - Congressman Dr. Ron Paul
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