Owner: Ronald's Blog - Southwest Florida Notaries, Port Charlotte FL URL:http://activerain.com/blogs/101yourswflnotary Join Date: Sun, 09 Sep 2007 12:00:37 -0500 Rating:0 Site Description: Active Rain blog for Real Estate Professionals, I am a Certified Mortgage Notary Signing Agent for the Real Estate Profession. Site statistics:Click here
Has anyone REALLY looked at these words? 2007-09-09 10:46:57 It is funny, I see all kinds of things posted here on AR. Great tips, lots of different viewpoints. Great marketing concepts. How someone got their nick-name. Even some complaining about really petty things. Maybe they even have a good point, but really, there are bigger things to worry about! They remind me why I will never live in a condo, or somewhere that there are deed restrictions again! Someone can have beat up piece of junk multi-color falling apart car, but that is OK compared to brand new shiny truck or car with some advertising on the side. Go figure. Sorry about the preaching, got off on a tangent. But on a little less serious side of life, one thing I was wondering. . . . . . how and where does AR get those odd words required to type in before posting comments? Oh, of course, I've seen grapefruit, various berries, and stuff, but 'maypop', 'lovi-lovi', 'ciruela', Read more:REALLY
10000 points on ActiveRain, I can't believe it! Thank you AR members! 2007-09-09 00:39:38 I must say, I'm amazed myself, two weeks ago, I never heard of AR, and now today, I'm crossing 10,000 points on AR. WOW! I happened to do a search and what do you know, one of the top replies, was AR. I quickly saw lots to check out! BTW, if you hate numbers, stats, and figures, move that mouse quickly and CLICK, CLICK FAST on ANYTHING, but leave quickly! I love stats, numbers, and figures, so this blog will have quite a few! OK, now, anyone still reading, OH WELL, am I speaking to myself, and myself only? :-) I know, there are a few others out there that like numbers and stats!I must say, thanks to all the AR people that I have ‘met' and corresponded with, these last two weeks. Considering I never even heard of this site two weeks ago, I'm amazed at how much I've learned, and know there is LOTS more out there to learn! I picked up great advise from some fellow notaries, even tips from non-notaries that have been interesting & informative! I've ev Read more:believe
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eNotarizations. . the upcoming technology! 2007-09-07 15:45:52 I think it is amazing how technology has evolved. One of the newer technologies, is of course, eNotarizations. While the ins and outs are still being debated on each of the federal, state and local levels, a lot has been accomplished so far. Several states have had paperless mortgages from start to finish - many more still need to come into the 21st century and the technology it has to offer! eNotarizations developement specifics will probably remain mostly at the state levels, since notary laws already vary so much from state to state, but I hope the federal government steps in more to have some more consistency and I think stability as well. I've seen by a call I had from a woman in OH (I could not help, but it could have benefited her & her husband), to a friend locally, how eNotarizations can be applied in both business and personal needs. I'd love to hear from everyone about ideas on it's developement, applicat
Are you a mortgage broker for life, or is it a job just for now? 2007-09-06 09:52:05 I saw a blog this morning, giving advise on predatory lending, and how to avoid it. See Rita Gibbons blog http://hthttp://activerain.com/blogsview/195703/Avoid-Predatory-Lending I know my situation last night was a lot more involved than I went into detail in my comments, and must still say, it was borderline predatory. If is was, there certainly are worse. If not, it was still close. But make not mistake, the broker was certainly not completely up front and honest. No if ands or buts about it. It made me think of my own experience about a year ago, when I had a broker, that knew what I did, knew the influence I could have with friends or relatives. And while I also realized and know that he was not necessarily the cause of certain last minute changes in my loan terms, he didn't even disclose them as soon as he knew about the changes. When I saw the changes, I immediately called the broker up and asked him about the ch Read more:mortgage broker
Why the double mortgage in Reverse Mortgages? 2007-09-05 09:01:37 When I started doing reverse mortgages, I always wondered why there were two mortgages in the package. Some things differ from lender to lender, and many papers are similar, but that always remained a constant. I even had a couple Reverse
Mortgage Brokers attend a couple of my loan signings and asked them. Each said they did not know, and would get back to me. Nothing heard, even to this day. But finally, I had a loan officer show up at a signing, explain it to me. Plus, about a month later, I actually took the HUD Reverse Mortgage Counselling program that explained it in even greater detail. If a lender goes bankrupt, or are unable to meet their financial obligation to the borrower, it enables HUD to immediately step in and assume the mortgage and servicing of the loan. While they never want to assume the loan, at least if it is needed, it is an option so the borrower is not left in dire straits, and in need of money. Als Read more:double
Increase in Homeowners Insurance or Tax rates - which is worse? 2007-09-04 09:36:12 Here in Florida, but even more so in Southwest Florida, so many are complaining about both of these. Florida recently enacted the policy to roll back homeowners taxes to previous years rates. I'm not sure that was necessary, but the small relief is welcome by most.I must however, commend my county, Charlotte, as prior to Hurricane Charlie in the big 2004 hurricane season, my taxes were just over $800 / year, now they are a little over $900, although without my homestead exemption, it would be close to $3000 - but that same figure was only about $2500 or so in 2004. My home has been homesteaded for over ten years now, so that does skew some of my figures. My insurance over the last few years... 2004 $800, 2005 $3200 (not a misprint 4x in one year!), 2006 $3800, now 2007, with 7.5% MORE coverage - $1600, BUT, ONLY because I went in the 'last resort' state run insurance pool. Not a place I really want to be, but at least only doubl Read more:Homeowners
Calling all mortgage brokers & title companies. To back-date or not..... your thoughts? 2007-09-03 13:53:21 I cannot tell you how often I am asked to back date. I'm told it is no big deal, etc. I'm told, you can do it because of this or that - with their own explanation why it is OK. First off, it is a violation of Florida, and most if not all states laws. There are NO loop-holes or exceptions on this one, what-so-ever. Period. Why? Because it is fraud. And while there are many responsibilities of being a notary, one of the primary duties of a notary is to PREVENT fraud. I'm not naive to think that when I turn down this assignment, that the requesting person will keep calling other notaries until they find someone willing to honor their request. If you are a notary doing this, you either do not know what you are doing and what your responsibilities are as a notary, or you do not care. Although it probably is a crime to ask this be done (conspiracy to commit fraud) in Florida, it is a bit&n Read more:Calling
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How can a notary make a living being 'just a notary'? 2007-09-02 11:07:23 This is a question I get all the time when I tell people that I am a mobile notary & mortgage notary signing agent. I am still amazed how many mortgage brokers and even title companies do not know what I do. I always take the time to explain to them the basic concept about being the last person to go to your client (or you , if you are the borrower) and even sometimes these days, the only person the client sees in the whole process. I tell them that we explain the documents, notarize them, then return them to the title company for processing and disbursement. We are not the closing company, but we represent the title company, and as I said, even the mortgage broker him/herself! If you are a Notary Signing Agent, tell as many people as you can, what it is you do. It is important that people know this service is out there, and they WILL request you. I've already had it happen several times in the last two years.
Think Professional! 2007-08-31 10:56:23 As I search through here finding different people, companies etc., I think of one thing that many do not think about - professionalism! While some do a great job, have great ideas, explain who they are, properties they have for sale, have some great quality pictures, etc, others have distorted pictures of themselves, little or no description, etc. If you don't care enough about yourself to provide a professional appearance, why should I buy from you? Why should I use your service? Why in the world would I expect you to be professional when you do not take the time up-front with your first impression, to GIVE a professional appearance. Food for thought. Especially if you want thing such as Active Rain profiles, and many others on different websites to work for you, work for yourself! Present a good image! If you do, it WILL payoff, if you don't it will NOT payoff so why bother joining? We are open for your mortgage closin
Terrific Real Estate Buy in Warrington Village Community Pennsylvania 2007-08-31 10:29:39 GREAT LOCATION in desirable Warrington Village
community! Serenely tucked away on a quiet cul-de-sac! Well-maintained and upgraded throughout, this fine home has much to offer! Newer renovated eat-in kitchen with gorgeous solid cherry cabinets, newer appliances (refrig. also included), large pantry, great under cabinet lighting; spacious living room with cozy brick wood-burning fireplace; formal dining room; large 1st floor laundry room with ample storage space; four very spacious bedrooms; hall floored attic w/pull-down stairs for extra storage; French doors off kitchen lead out to a large patio and FANTASTIC professionally landscaped backyard. Maintenance-free exterior -- newer siding, windows and roof! Flexible settlement date! Motivated seller will consider all serious offers!!Main FeaturesType Single FamilySchool District Central BucksListing Status For SaleCounty BucksLot Size 16,683 SQ. FT.Taxes $4,251.00Full Bath 1Tax Year 2007 Read more:Estate
, Pennsylvania
HELP with some .PDF's 2007-08-31 09:38:05 A majority of my files print with no problems. But it always seems when I'm running late, and need the package printed fast, I get that one .PDF file that prints a page a minute or so. I use Windows XP Professional on my main computer, and Windows Media edition on my laptop. It doesn't matter which computer I use, or which printer I print to, I have troubles with slow printing. I have three laser printers, I print the borrowers package to two printers through a network - an HP Laser 1320 (should print about 20 pages per minute) that is connected to the network wirelessly, and the main package to an HP 4250 that is hardwired into the network, which normally prints 55ppm. When having troubles, I switch and print to my SHARP AL-1655CS which is a printer/copier/scanner (and I think fax but I do not use that function) that is connected to the main computer only by USB. It still prints slow, but faster than through the network.
Thanks a million 2007-08-30 18:47:15 I wanted to take a moment to say thanks a million
to all my customers, Active Rain for a great forum to discuss issues around the real estate market, and to all that have given me suggestions and comments on previous blogs! Your comments are very much appreciated. Also, to those that I have commented on their sites, I hope you found the information informative. Have a safe & great Labor Day weekend!Thanks
a million! We are open for your mortgage closing 24/7 at your location.
Need a traveling notary in Southwest Florida? 2007-08-30 11:25:15 Are you an attorney that travels to your client, but need a independent notary to notarize your affidavits? And not want to utilize your office personnel and the expense of having them leave the office just to go with you to notarize a few documents? That is where SouthwestFlorida
Notaries come to assist you, and at a much better price! We are a full service mobile notary & mortgage signing company, that services all your mobile notary needs in Southwest Florida including notarizing wills, trusts, deeds, power of attorney, electronic notary, and yes, even weddings. Notary Public, State of Florida since 1989 and eNotary (Electronic Notarizations) capable. We actually exceed the State of Florida requirements and keep a log of all notarizations, with fingerprint in case it is ever required in court. We are thorough, and give the required oath when required. Many notaries do not understand the implications of this requirement, because if challen
Take advantage of Active Rain! 2007-08-30 11:10:14 I've been looking at this website and noticed one thing. It is a great place to market yourself - for FREE! If you are a notary like myself, it is a great inexpensive marketing tool. If you are a Realtor, I see some great ideas and a new market to show your listings. If you are in insurance, you can also market yourself free and someone could use your services just because they found your information here. And the many other professions affiliated with the Real Estate market. As I said, take advantage of this site, I think it is a great way to market for free. (of course you can pay for additional marketing, but even the free marketing is awesome!)Title companies & mortgage brokers, help your borrowers - arrange to have their loan signed and notarized in their home, at their convenienceBrowse The Rain for a qualified Notary Signing Agent in your area.Southwest Florida Notaries is open for your mortgage closing 24/7 at your loc Read more:Active
Help with bankruptcy. 2007-08-30 10:11:37 Are you in the unfortunate position of considering bankruptcy
? If so, do you not want to spend the money for an attorney, but still want to have an attorney review your documents? Visit http://ihelpyoufilebankruptcy.com to find help you need at a much better price! There you can also get help with the creation of your will, a divorce, and many other discounted legal services. Check it out, and good luck!
How would you like to sign your mortgage papers at your convenience? 2007-08-30 09:02:14 Are you getting a reverse Mortgage or refinancing your home? If you are, you, the mortgage broker, loan officer, or title company can all choose the notary signing agent of your choice. You do not need to be forced to go to the title company at their location and at their convenience to get your paperwork signed and notarized. You have the right to choose your certified mortgage notary signing agent as well as the title company - by the way, Southwest Florida Notaries recommends Southern State Real Estate Services for your title work anywhere in Florida 239-931-7600. Recently, a friend of mine told her mortgage broker up front she wanted to use Southwest Florida Notaries as her signing agent to have her refinance papers
signed. By the time the loan documents got to the title company, the message was lost, and they assigned a notary of their choice. She called them up and told them no, she wanted to use Southwest Florida Notaries,
Just a little more about me.... 2007-08-30 00:26:44 This brochure is for title companies and mortgage brokers, but it has a lot of information packed in a small amount of space. If you are a mortgage broker or title company doing loans, sales, reverse mortgages, etc., in Southwest Florida, please consider giving your client to option to do their closing at their convenience and at their location. The borrower and mortgage broker have a right to choose a notary signing agent such as myself to come to them to get their paperwork signed then returned to the title company for processing. Call 941-7-NOTARY as we are open for your mortgage closing 24/7Title companies & mortgage brokers, help your borrowers - arrange to have their loan signed and notarized in their home, at their convenienceBrowse The Rain for a qualified Notary Signing Agent in your area.Southwest Florida Notaries is open for your mortgage closing 24/7 at your location Read more:little
What I do 2007-08-27 13:05:20 Are you refinancing you home? Are you getting a Reverse Mortgage? Are you getting married and do not want to go to the conventional church and have the wedding at the beach according to your guidelines? Do you need a notary after hours, or one that will come to you at any time, and notarize anything, including the things most banks do not notarize, wills, trusts, deeds, power of attorney, etc.? Well, if any of these situations are referring to you, you have found the right company to help you. Southwest Florida Notaries is a full service mobile notary & mortgage signing company, that services all your mobile notary needs including notarizing wills, trusts, deeds, power of attorney, electronic notary, and weddings. Loan signing experience including refinancing VA, FHA, HELOC & LOC's, Commercial, HECM & Jumbo Reverse Mortgages (our specialty), Construction Loans, Purchases, and property sellers/buyers (either or both of the two parties).
Only use HUD approved lender/brokers for Reverse Mortgages 2007-09-27 21:58:45 I just heard of a company in Austin TX, that at best is doing questionable things, and is being sued for fraud. A Reverse
Mortgage 'consultant agency' advised a senior homeowner to contract with a company to do repairs on his home, and then gave the impression that he could likely get a Reverse Mortgage for him once his home was in better repair. The man has since died, and the family states the contractor was never given permission to start work, although that company claims they did receive permission. Now they are suing to get reimbursed for work done. Obviously, that seems to be a legal mess, and contributing to the problem apparently, is the use of Power of Attorneys. Obviously, there is a lot more to this story, that will likely be hashed out in court for quite some time, but that makes me think of a couple of things, while I am a proponent of Reverse Mortgages, if your are an elderly person considering getting a Reverse
Countrywide plans to add 2,000 sales jobs this year & offer 50 Year sub-prime loans 2007-09-27 21:13:53 I must say, I just saw the news (Reuters, reporting) about Countrywide
CEO Angelo Mozilo stating Countrywide is planning on adding 2000 jobs AND rolling out 50-year sub-prime
loans as well as Reverse Mortgage products. The Reverse Mortgage products, I can see somewhat, but it would almost seem that should only be done by a business with plenty of working capital, because it will in most cases be several years before they get their money returned. And 50-year sub-prime products??? Am I missing something here, isn't this the same Countrywide that has been saying they are practically on the verge of bankruptcy & in desperate need of cash (which of course B of A has given them a bit.) I wasn't sure how I felt about a likely bailout by the government of Countrywide, now I am sure, NO WAY!Your thoughts???===============================================================================Title companies & mortgage brokers, help your borrowers - arrange to have their loan signe Read more:plans
Are Reverse Mortgages a part of Predatory Lending? 2007-09-27 09:24:41 I saw a blog this morning, outside of AR, where the blogger felt Reverse
Mortgages are predatory lending, and contributing to the economies problems, down the road anyway. Obviously, from my previous posts, you should be aware that I feel Reverse Mortgages are a great thing. Now, I would say they are not for everyone. But they can help a senior tremendously! The blogger also felt in a few years, many with Reverse Mortgages would blow the money that they get from the Reverse Mortgage, and the homeowner (& heirs) would be left with nothing and the inability to continue to pay their homeowners insurance & taxes which are required to keep the Reverse Mortgage. While I know that some undoubtedly do waste their money from not only Reverse Mortgages, but incoming money from all sources, many use these to survive and STAY in their home. Not having to make a mortgage payment for many of these seniors just by itself is a big relief. Som Read more:Lending
Warrington Villiage PA home for sale 2007-09-23 08:24:17
For those of you that do not know the area, it is a rich historic area this is a terrific place to raise a family. The school district, Central Bucks, is one of the finest in Pennsylvania. This area is rich in history! Bucks County is famous nationwide for its historic sites, including the Mercer Museum, Washington Crossing Historic Park, Pennsbury Manor, and Pearl S. Buck House. From Peddlers Village quaint shopping, to the big malls of Montgomeryville, Willow Grove & Franklin Mills malls. It is close to Doylestown, Abington, Willow Grove, New Hope & Buckingham. Check out information about the area at: http://www.city-data.com/township/Warrington-Bucks-PA.html This home specifically, is in the in desirable Warrington Village community! Serenely tucked away on a quiet cul-de-sac! Well-maintained and upgraded throughout, this fine home has much to offer! Newer renovated eat-in kitchen with gorgeous solid cherry cabinets, newer appliances (refrigerator also included),
Lower interest rates also help Reverse Mortgages 2007-09-23 01:07:40 One of the factors many do not realize, interest rates do effect Reverse
Mortgages, besides how fast or slow the balance increases over time. It is one of the factors that effects how much the borrower can borrow against their equity. So, the lower the interest rate, the more they can borrow initially and the slower their balance will increase over time. The higher the interest rate, the less they can borrow initially, and the faster the balance will increase. One more thing to keep in mind about Reverse Mortgages, while they are not necessarily for everyone, they provide many benefits, with few qualifying restrictions. Including people with bad credit. Some situations can hasten the ability to get approved - IE: in foreclosure. And some can delay - IE: if in Bankruptcy. once cleared of bankruptcy, they can qualify, but not while in bankruptcy. While there are some other little things, some of the first restrictions&n Read more:Lower
Mortgage Brokers / Title Companies / Notary Signing Agents - Please help 2007-09-23 00:43:20 Yesterday, I received an Email from one of my clients [Signing Service]. It explained the following loan signing experience from the title companys' and Notary Signing Agents' perspective. [NOT ME, but it easily could have been me] Closers perspective:I want to explain to you what happened tonight because I think the title company got upset with me. I went to this closing tonight and the borrowers did not even have a clue of what was going on. To begin with they were an older couple that are super cautious.When I first started I went over the HUD with them and explained it all to them. There were mistakes with it in that there was a creditor that was being paid that was not supposed to be on there (they had provided proof to the LO) and other amounts to other creditors were incorrect. We tried to contact the LO, but he was gone for the day but we were able to speak to his supervisor. He assured the Read more:Mortgage
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Bucks County, PA, Warminster, Warrington, and Doylestown 2007-09-21 22:53:37 Are you trying or wanting to buy or sell a home in the historic Central Bucks area, near Warminster, Warrington, and Doylestown Pennsylvania area? This area is rich in history! Bucks County
is famous nationwide for its historic sites, including the Mercer Museum, Washington Crossing Historic Park, Pennsbury Manor, and Pearl S. Buck House. From Peddlers Village quaint shopping, to the big malls of Franklin Mills. Check out this terrific area!Check out the website: http://www.iluvhomes.com/ No matter if you are getting a divorce, inherited a home and want to sell it, in foreclosure, just want to move, or any other reason, if the house is right, they will make an offer within 24 hours, or help you sell it. pa=========================================================================== Title companies & mortgage brokers, help your borrowers - arrange to have their loan signed and notarized in their home, at their convenienceBrowse The Rain for a qualified Not
Consider a Reverse Mortgage 2007-09-21 09:08:47 Do you have a relative over 62, or know a senior struggling on fixed income? Are they refinancing or getting a Home Equity Line of Credit? Do you feel ReverseMortgage
s are too costly? If you answer yes to any of these questions, look into the FHA HECM Reverse Mortgage
s! You will find their closing costs are in line with any other mortgage they are considering, and they will have peace of mind knowing they can keep their home as long as they own their home, without having to make any payments! That truly is peace of mind! With my knowledge of brokers, I can put you in touch with a Mortgage Broker that helps seniors in every state in the country. I can help you, a friend , or your loved one over 62 and owns their own home get the last mortgage they will will ever have or need - a Reverse Mortgage. Whether house-bound or just not wanting to be inconvenienced by having to go to the title company for the loan signing, tell the loan
Financial Freedom Launches Fixed Rate HECM Reverse Mortgage 2007-09-20 10:57:47 I am not necessarily trying to promote FinancialFreedom
(subsidiary of IndyMac Bank, F.S.B), but it is great to see another great HECM ReverseMortgage
product hit the market - Fixed
Rate Reverse Mortgage
. It will likely be one of the few Reverse Mortgages that will be more popular on the secondary market. If you are a mortgage broker selling Reverse Mortgages, check it out! =========================================================================== Title companies & mortgage brokers, help your borrowers - arrange to have their loan signed and notarized in their home, at their convenienceBrowse The Rain for a qualified Notary Signing Agent in your area.Southwest Florida Notaries is open for your mortgage closing 24/7 at your location
Calling all speakers. . . 2007-09-20 09:04:25 Do you live in the Southwest Florida area, specifically in Bradenton or Sarasota area? Would you like to give informational speeches? While it would not be you advertising, although you do get to say a little about what your business is, you would be giving informational speeches around the Sarasota County area. It is a great way to get more exposure for you and your company! Check it out: http://opennetworkvenice.com/speakers
_bureau/default.aspx No matter what your profession, Real Estate or any other, you get your name, face, and business out to many in this area! Have a great day!=================================================================================Title companies & mortgage brokers, help your borrowers - arrange to have their loan signed and notarized in their home, at their convenienceBrowse The Rain for a qualified Notary Signing Agent in your area.Southwest Florida Notaries is open for your mortgage closing 24/7 a Read more:Calling
More great tips, all because of the Active Rain 2007-09-19 06:26:58 Thanks to Kirsty Dunpheyin her blog, Ten Simple Tech Tips for Anyone who Trades Off Their Name she mentioned ways to 'brand' your name or business name. To expand on the one part, she mentions Google alerts. I never even realize this was out there, or the power that can have, especially for Realtors. I strongly recommend if you are a Realtor, sign up for your free Google account. Then set up these alerts, they are VERY easy to set up. For example, I set up an alert for the village where my mom lives, so if anyone is searching that area on Google, it will immediately send me an email alert that someone is searching for that area. There is lots you can learn from this information, and adjust your marketing to gain the attention of people searching for specific areas, services, etc. Thanks Kirsty for such a great tip! AR has so many great tips, everyone, take advantage of it all, we all have our own experiences and ca Read more:Active
Want to verify licenses in Florida - check them out here 2007-09-17 09:33:23 Florida, because of it's 'Sunshine Laws,' is probably one of the most open states as far as finding information goes. They make it very easy to verify
and obtain information about most any subject. To verify the license is valid for your Notary, Realtor, Mortgage Broker, etc, visit. . . . To verify corporations, fictitious name registrations, etc: http://www.sunbiz.org/search.html To verify business licenses of anyone or any license: http://myflorida.gov/taxonomy/business/business%20licenses,%20permits%20and%20regulation/ (Verify Notaries, Realtors, Mortgage Brokers, etc.) To verify people on probation or released from prison: http://www.dc.state.fl.us/inmateinfo/inmateinfomenu.asp To verify the Criminal History or Sex Offender databases: http://myflorida.gov/agency/34/ You can also search many counties & cities databases to know crime rates, and what types of crimes happen in various areas. This helps you Read more:Florida
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