What is a Mobile Notary Public?
A mobile notary public is a trained professional who provides notarial services outside of a traditional office setting.
Unlike traditional notaries who operate from a fixed location, such as a law office or courthouse, mobile notaries have the flexibility to travel to their clients’ preferred locations to perform notarial acts.
Mobile notaries are commissioned by the state or jurisdiction in which they operate, just like traditional notaries. They undergo the same rigorous process of obtaining a notary public commission, meeting eligibility requirements, and completing the necessary education and training.
This ensures that mobile notaries possess the knowledge and expertise to carry out their duties in a professional and lawful manner.
The key distinction of a mobile notary public is their ability to offer convenience and flexibility to their clients. They understand that individuals and businesses may have time constraints, mobility issues, or simply prefer the convenience of having a notary come to them.
Mobile notaries are equipped to travel to various locations, such as homes, offices, hospitals, banks, or other agreed-upon meeting places.
The services provided by mobile notaries are like those offered by traditional notaries. They can perform various notarial acts, including verifying a signer’s identity, witnessing signatures, administering oaths and affirmations, authenticating documents, and certifying copies.
Mobile notaries ensure that the necessary legal requirements are met during the notarization process, adding credibility and validity to the documents being notarized.
In summary, a mobile notary public is a licensed professional who offers notarial services on the go. Their ability to travel to potential clients’ preferred locations provides convenience, flexibility, and time-saving benefits.
Mobile notaries provide the best way to facilitate various legal, financial, and business transactions by ensuring the proper execution and authentication of important documents.
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What do Mobile Notaries Do?
Mobile notaries perform various types of work related to notarial acts, catering to the needs of individuals, businesses, and organizations. Some of the common types of work that mobile notaries handle include:
Real Estate Transactions:
– Loan Documents:
Mobile notaries play a crucial role in the notarization of loan documents for real estate transactions, including mortgages, refinancing agreements, and home equity loans.
– Title Transfers:
Escrow and Title companies often use mobile notaries can assist with the notarization of documents related to property transfers, such as warranty deeds, quitclaim deeds, and other conveyance instruments.
– Lease Agreements:
Mobile notaries can notarize lease agreements for residential or commercial properties, ensuring the proper execution and authentication of the documents.
Legal and Financial Documents:
– Wills and Trusts:
Mobile notaries can witness the signing of wills and trusts, providing an added layer of authentication and credibility to these important legal documents.
– Powers of Attorney:
Mobile notaries can notarize powers of attorney, verifying the identity of the principal and ensuring that the document is executed properly.
– Affidavits and Sworn Statements:
Mobile notaries can administer oaths and affirmations for individuals providing affidavits or sworn statements, ensuring their legality and authenticity.
– Divorce Documents:
Mobile notaries can assist with the notarization of divorce-related documents, such as divorce agreements, separation agreements, and child custody agreements.
– Contracts and Agreements:
Mobile notaries can notarize various types of business contracts and agreements, including partnership agreements, employment contracts, non-disclosure agreements, and more.
Mobile notaries can assist with the notarization of corporate documents, such as articles of incorporation, shareholder agreements, and board resolutions.
– Licensing and Permit Applications:
Mobile notaries can notarize applications for business licenses, permits, and other regulatory requirements.
Healthcare and Medical Documents:
– Advance Healthcare Directives:
Mobile notaries can notarize advance healthcare directives, such as living wills and healthcare powers of attorney, providing a legal basis for medical decision-making.
– Medical Consent Forms:
Mobile notaries can notarize medical consent forms, allowing parents or legal guardians to grant consent for medical treatment for minors or incapacitated individuals.
Other Notarial Services:
– Vehicle-related Documents:
Mobile notaries can notarize documents related to vehicle sales, transfers, or registration, such as bill of sale, power of attorney for vehicle transactions, and odometer disclosure forms.
– Immigration Documents:
Mobile notaries can notarize immigration-related documents, such as affidavits of support, sponsor letters, and other forms required for visa applications.
– Personal and Miscellaneous Documents:
Mobile notaries can notarize various personal documents, including name change forms, consent forms, affidavits of residency, and more.
It’s important to note that the scope of work for mobile notary services may vary depending on the jurisdiction and specific legal requirements. Mobile notaries should always stay updated on the regulations and guidelines set by their respective state or country to ensure compliance and provide accurate notarial services.
Step 1: Get Your Notary Public Commission in Your State
- Get Your Notary Training
- Submit Your Notary Application to Your State
- Receive Your Commission Certificate
Getting Your Notary Training
The first step in becoming a commissioned notary public is to get the required notary training, follow these steps:
Research the Notary Public Requirements in Your Jurisdiction:
– Start by understanding the specific requirements for becoming a notary public in your jurisdiction. Notary regulations and training requirements can vary from state to state or country to country.
Find Approved Notary Education Providers:
– Look for approved notary education providers in your jurisdiction. These providers offer training courses or programs that fulfill the educational requirements set by the governing body responsible for notary public commissions.
Choose the Right Notary Education Course:
– Select a notary education course that suits your needs. There are different options available, including online courses, in-person classes, or self-study materials. Consider factors such as cost, convenience, and the quality of the course content.
Enroll in the Notary Education Course:
– Enroll in the chosen notary education course and complete the required training. This training will equip you with the knowledge and skills necessary to perform notarial acts correctly and ethically.
Attend or Complete the Training:
– Attend the in-person classes or participate in online modules, depending on the format of your chosen course. Engage actively in the training, take notes, and ask questions to enhance your understanding of the subject matter.
Study Relevant Laws and Regulations:
– Familiarize yourself with the laws, regulations, and best practices related to notarial acts in your jurisdiction. The training should cover these aspects, but it’s essential to reinforce your knowledge through independent study.
Obtain Certificates or Completion Documents:
– Upon successful completion of the notary education course, you will receive certificates or completion documents. Keep these records for future reference and when applying for your notary public commission.
– Some jurisdictions require notaries to participate in ongoing education or refresher courses to maintain their commissions. Stay informed about any continuing education requirements and fulfill them accordingly.
It’s important to note that the specific training requirements can vary depending on the jurisdiction. Some jurisdictions may not have mandatory training requirements at all. Therefore, it’s crucial to consult your local notary governing body or visit their website to obtain accurate and up-to-date information on the training requirements in your area.
Remember that becoming a knowledgeable and competent notary is essential to perform your duties with professionalism and integrity. Investing in proper training and education will help you establish a strong foundation for your notarial career.
Submitting Your Notary Application
Your state’s requirements for submitting an application to become a notary public can vary depending on the jurisdiction in which you reside. However, here are some common requirements that you may encounter:
– Age Requirement: Generally, applicants must be at least 18 years old, although the minimum age may vary by jurisdiction.
– Residency: Some jurisdictions require applicants to be residents or have a physical address within the jurisdiction where they are seeking a notary public commission.
Education and Training:
– Notary Education: Some jurisdictions may have mandatory education or training requirements for aspiring notaries. This typically involves completing a state-approved notary education course or program.
– Exam: In certain jurisdictions, applicants may need to pass a written examination to demonstrate their understanding of notary laws and procedures.
Background Check and Character Evaluation:
– Background Check: Applicants may be required to undergo a background check, which can include a criminal history check, to ensure they meet the standards of integrity and trustworthiness associated with the position.
– Character Evaluation: Some jurisdictions may require applicants to provide character references or letters of recommendation attesting to their good moral character.
Application Form and Fees:
– Application Form: Applicants must complete an application form provided by the relevant notary governing body. The form typically requires personal information, contact details, and other relevant data.
– Fees: Applicants are usually required to pay an application fee, which varies by jurisdiction. The fee covers the processing of the application and the issuance of the notary public commission.
Oath of Office:
– Oath or Affirmation: Notary applicants are often required to take an oath or affirmation, promising to fulfill the duties and responsibilities of a notary public faithfully and impartially.
It’s important to note that these requirements are general guidelines, and specific requirements can vary significantly depending on your jurisdiction. To ensure accuracy and completeness, consult the official website of the notary governing body in your area or contact the appropriate agency to obtain detailed information on the application process and requirements.
Receiving Your Notary Commission Certificate:
The time it takes to receive a notary commission certificate after applying can vary depending on several factors, including the jurisdiction in which you applied and the efficiency of the processing system. Here are some considerations:
– Different jurisdictions have varying processing times for notary commission applications. Some jurisdictions may have a streamlined process that allows for quicker turnaround times, while others may have longer processing periods.
– The time it takes to receive a notary commission certificate can be influenced by the completeness and accuracy of your application. Any missing or incorrect information may result in delays as the governing body may need to request additional documentation or clarification.
Background Checks and Reviews:
– Some jurisdictions require background checks or character evaluations as part of the application process. These additional steps can add time to the overall processing period, especially if there is a backlog or if the checks require thorough scrutiny.
– The efficiency of the notary governing body’s administrative processes can affect the processing time. If the agency responsible for issuing notary commissions has a well-organized and streamlined system, the processing time may be relatively shorter.
Communication and Follow-Up:
– Promptly responding to any inquiries or requests for additional information from the notary governing body can help expedite the processing of your application. Being proactive and following up on the status of your application can also provide clarity on the expected timeline.
While it is difficult to provide an exact timeframe, the processing period for notary commission certificates can range from a few weeks to several months, depending on the factors mentioned above. Some jurisdictions may provide estimated timelines on their websites or through their customer service channels.
To obtain more accurate information about the processing time in your specific jurisdiction, it is advisable to consult the official website of the notary governing body or contact their office directly. They will be able to provide you with the most up-to-date information regarding the timeline for receiving your notary commission certificate.
Step 2: Purchase Your Notary Journal and Stamp
Choosing a Notary Journal
Selecting a good notary journal is an important aspect of being a responsible and organized notary public. A notary journal serves as a record-keeping tool to document the details of each notarial act performed, providing a clear and comprehensive record of your notarial activities. Here are some considerations to help you choose a suitable notary journal:
Compliance with Legal Requirements:
– Ensure that the notary journal you select complies with the legal requirements of your jurisdiction. Different jurisdictions may have specific guidelines regarding the format, content, and retention period of notary records. Familiarize yourself with these requirements to ensure your chosen journal meets all necessary legal obligations.
Binding and Durability:
– Look for a notary journal that is well-bound and durable. It should be able to withstand regular use, transportation, and storage without falling apart or losing pages. Consider journals with sewn bindings or hardcovers that can endure wear and tear over time.
Clear and Structured Format:
– Choose a journal that has a clear and structured format for recording notarial acts. It should provide ample space for capturing essential details, such as the date, time, type of notarial act, names and identification of parties involved, and any relevant document information. Look for pre-printed sections or fields that facilitate consistent and organized record-keeping.
Numbered Pages and Sequential Entry:
– Opt for a notary journal with numbered pages. Numbered pages make it easier to track and reference entries accurately, especially if you need to locate specific notarial acts later on. Additionally, a journal with a sequential entry system can help ensure that no pages or entries are omitted or tampered with.
– Consider security features that protect the integrity of your notary journal. These features may include tamper-evident elements, such as sequentially numbered and self-sealing pages, watermarking, or other anti-fraud measures. Such security features help maintain the reliability and authenticity of your notarial records.
Adequate Space for Detailed Descriptions:
– Look for a notary journal that provides sufficient space for detailed descriptions and notes. This is especially important when recording unique circumstances or specific details related to a notarial act. Adequate space allows you to provide comprehensive information, ensuring clarity and completeness in your records.
– Consider any additional features that may be beneficial to your record-keeping process. This could include sections for additional notes, a table of contents for easy reference, or a built-in calendar for tracking appointment dates and times.
Notary Association or State-Approved:
If possible, choose a notary journal that is recommended or approved by reputable notary associations or your state’s notary governing body. Such endorsements can indicate that the journal meets professional standards and complies with relevant regulations.
Remember, as a notary public, it’s essential to maintain the confidentiality and security of your notary journal. Keep it in a secure location and take appropriate measures to protect the privacy of the information contained within it.
By selecting a well-designed and appropriate notary journal, you can enhance your organization, accuracy, and compliance with legal requirements, thereby fulfilling your responsibilities as a diligent and professional notary public.
Choosing a Good Notary Stamp
Choosing a good re-inkable notary stamp is crucial for notaries public as it is a primary tool used to authenticate notarial acts and leave a clear and legible impression on documents. Here are some factors to consider when selecting a re-inkable notary stamp:
- Compliance with Legal Requirements:
– Ensure that the notary stamp you choose complies with the legal requirements of your jurisdiction. Familiarize yourself with the size, design, and content specifications outlined by your state or country’s notary governing body. Adhering to these guidelines will help ensure that your notary stamp is accepted and recognized by all relevant authorities.
- Quality of Construction:
– Look for a notary stamp made of high-quality materials that can withstand frequent use and provide a clear impression. The stamp should have a durable handle and a sturdy base to prevent accidental slips or damage. Consider stamps made from metal or high-grade plastic for longevity.
- Clear and Legible Impression:
– The stamp should create a clear, sharp, and legible impression on documents. Test the stamp before purchase to ensure that it produces a clean imprint without smudging or distorting the text. A well-crafted stamp with a clear impression contributes to the professionalism and integrity of your notarial acts.
- Re-inkable Design:
– Opt for a re-inkable notary stamp that allows you to easily refill the ink when it starts to fade. This feature is cost-effective and convenient, as it eliminates the need for frequent replacement of the entire stamp. Look for stamps with a removable ink pad or cartridges that can be easily replaced or refilled.
- Brand Reputation and Reviews:
– Research the reputation and reviews of different notary stamp brands and models. Look for brands with a good track record of producing reliable and long-lasting stamps. Read customer reviews to gain insights into the durability, performance, and overall satisfaction of previous buyers.
Remember to use your notary stamp responsibly, keeping it secure and using it only for authorized notarial acts. Regularly inspect the stamp for any signs of wear or damage and replace it if necessary. By selecting a reliable and re-inkable notary stamp, you can perform your duties with confidence and professionalism.
Step 3: Get Certified as a Notary Signing Agent
To become a Notary Signing Agent (NSA) and expand your mobile notary career, follow these steps:
- Research Notary Signing Agent Requirements:
Begin by researching the specific requirements for becoming a Notary Signing Agent in your state. Check with your state’s regulations and agencies to understand any additional qualifications or prerequisites you need to meet.
- Complete Notary Signing Agent Training:
Enroll in a comprehensive Notary Signing Agent training program provided by the National Notary Association (NNA). This training course covers loan signing procedures, document handling, industry best practices, and legal requirements specific to the role of a Notary Signing Agent. By completing this training, you’ll gain the necessary skills and knowledge to excel in loan signings.
- Pass the Notary Signing Agent Certification Exam:
After completing the training, take the certification exam offered by the National Notary Association. This exam assesses your understanding of loan signing procedures and ensures that you meet the NNA’s standards of professionalism and expertise as a Notary Signing Agent. Successfully passing the certification exam will validate your qualifications and enhance your credibility in the field.
By taking the training and passing the certification exam provided by the National Notary Association, you’ll become a certified Notary Signing Agent. This certification demonstrates your competence and professionalism as a mobile notary specializing in loan signings. The NNA’s training and certification program is widely recognized in the industry, providing you with a solid foundation to succeed as a Notary Signing Agent.
Step 4: Get Certified as a Loan Signing Agent
To excel as a Loan Signing Agent and further enhance your mobile notary career, we highly recommend that you get the extra training required to become certified through the Loan Signing System, a highly regarded training program developed by Mark Wills.
The Loan Signing System offers comprehensive training and an exceptional support community for aspiring Loan Signing Agents. Here’s how you can earn extra income by becoming a certified Loan Signing Agent:
- Research Loan Signing Agent Certification:
Begin by familiarizing yourself with the certification process for becoming a Loan Signing Agent. Explore various training programs available in the market, and specifically consider the Loan Signing System by Mark Wills. This program has earned a reputation for its exceptional training content and resources.
- Enroll in the Loan Signing System:
Once you’ve decided to pursue certification as a Loan Signing Agent, enroll in the Loan Signing System. The program provides in-depth training on loan signing procedures, document handling, industry standards, and best practices. Mark Wills, the founder of the Loan Signing System, brings his extensive experience and knowledge to deliver an exceptional training curriculum.
- Complete the Loan Signing System Training:
Dive into the Loan Signing System’s comprehensive training modules and materials. Mark Wills utilizes a step-by-step approach to guide you through the intricacies of loan signings. The training covers essential topics such as understanding loan documents, effective communication with borrowers, and managing the loan signing process seamlessly.
- Gain Practical Experience:
While completing the training, it’s beneficial to gain practical experience in loan signings. Consider seeking opportunities to shadow experienced Loan Signing Agents or work as a signing agent assistant. This hands-on experience will reinforce the concepts you’ve learned in the Loan Signing System training and prepare you for real-world scenarios.
- Leverage the Loan Signing System Support Community:
One of the standout features of the Loan Signing System is its strong support community. Access to a network of fellow Loan Signing Agents through the program provides a valuable resource for sharing insights, seeking advice, and staying updated on industry trends. Engage in the community forums and take advantage of the ongoing support and mentorship available.
By getting this additional training, and becoming a certified Loan Signing Agent through the Loan Signing System, you’ll receive top-notch training from an industry expert like Mark Wills. The program’s comprehensive curriculum and the supportive community of Loan Signing Agents will equip you with the knowledge, skills, and resources necessary to excel in the field. Embrace this opportunity to enhance your mobile notary career and establish yourself as a trusted professional in loan signings.
Step 5: Get Errors and Omissions Insurance
As a Notary Signing Agent and Loan Signing Agent, it is often required to have Errors and Omissions (E&O) insurance to get work assignments, and to protect yourself and your clients. E&O insurance provides coverage in case errors or omissions occur during the loan signing process, which can help mitigate potential financial risks. Here’s how you can obtain E&O insurance:
- Understand the Importance of E&O Insurance:
E&O insurance is crucial for notaries as it provides liability coverage in case errors, mistakes, or negligence lead to financial losses for clients. Even the most diligent notaries can face allegations of errors or omissions and having E&O insurance in place can offer peace of mind and financial protection.
- Purchase E&O Insurance through the National Notary Association:
The National Notary Association (NNA) offers E&O insurance specifically designed for notaries. As a member of the NNA, you can take advantage of their insurance coverage options tailored to meet the unique needs of Notary Signing Agents. Contact the NNA for more information on their E&O insurance offerings. The recommended minimum coverage amount is $100,000.
- Consider Biberk Business Insurance:
Another option for obtaining E&O insurance is through Biberk, a reputable business insurance company. Biberk offers tailored insurance coverage for notaries, including E&O insurance. You can explore their policies and obtain a quote to compare coverage and pricing options.
- Evaluate Coverage Limits and Policy Terms:
When obtaining E&O insurance, it’s essential to carefully review the coverage limits and policy terms. Ensure that the insurance policy adequately covers potential risks associated with your role as a Notary Signing Agent as well as real estate closings. Consider factors such as coverage limits, deductibles, and any exclusions to make an informed decision. Remember that the recommended minimum coverage amount is $100,000.
- Maintain Active E&O Insurance:
Once you’ve obtained E&O insurance, it is crucial to maintain an active policy throughout your career as a Notary Signing Agent. Regularly review your policy to ensure it remains up to date and in line with your business needs. Notify your insurance provider of any changes in your business operations or services to guarantee that you have appropriate coverage in place.
Having E&O insurance as a Notary Signing Agent is essential for protecting yourself and your clients.
The National Notary Association and Biberk Business Insurance are trusted resources for obtaining E&O insurance coverage. By securing this insurance, with the recommended minimum coverage amount of $100,000, you can navigate the potential risks associated with your profession and maintain a strong level of professionalism and financial security.
Once you have finished with the 5 Simple Steps to Become a Mobile Notary Public you are ready to go. Running your own mobile notary business is a great way to earn extra income as a side hustle, or even go full time as into the business!
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