Mobile Austin Notary

This is a good Texas mortgage related article about Mortgage scams that everyone in the real estate industry should still be on the look out for that I would share to the general public and AR community.

Mobile Austin Notary and all it's state wide Texas mobile notaries try diligently to help protect our customers and clients from having something like this happen to them.

Mortgage Scams - If It Sounds Too Good to be True - It Probably Is!
by Jason Painter

Unfortunately in today's troubled economic climate while most people are just trying to do what they can to weather the storm, some individuals consider this a perfect opportunity to exploit a vulnerable situation and make a profit.

By the end of last September, 2007, the U.S. Treasury Department stated there were 46,717 cases of mortgage fraud reported - an increase of 35,617 from the previous year. That translated into a dollar loss of more than $813 million. The really shocking part is that only about 7 percent of these cases attach a dollar value to the crime, and in reality the actual amount of money being lost to mortgage scams is much higher.

Some of the more common types of mortgage fraud include: Forged documents: This may involve forging signatures or notary seals on mortgage documents. Especially aimed at new home buyers, certain brokers have been known to inflate prices, or create imaginary down-payments on second mortgages. In some cases homeowners actually sign blank papers, convinced that the details will be filled in later.

Inflated appraisals: In an effort to clear a loan for a client, some lenders have been known to contact the appraiser and request a higher dollar value on the appraised house. What is the harm? The lender gets a sale; the client gets approved for their mortgage; everyone is happy. Happy until the homeowner realizes they have a mortgage they can't really afford.

It's more important than ever for a homeowner to do their due diligence, research the credentials of the lenders they plan to enlist, and above all, be aware of their own financial situation.

Rescue Scams

"Let me deal with your lender": In this scam, the fraudster promises to remove the stress of dealing with a foreclosure by acting as an intermediary between the homeowner and their lender. For a fee, they will handle all the dealings and communications with the lender and their lawyers. The homeowner is thrilled to be relieved of this pressure, gladly pays the company a nominal fee (usually about $1,000 or higher), and breathes a sigh of relief. Once the check is cashed, the rescue company becomes impossible to contact, extra penalty charges accumulate with the client's lender, and things generally go downhill from there.

"Sign over the title to your house": With this scam, the con artist convinces the home owner they can avoid foreclosure by signing over the title to their home and remaining on as a tenant, with the promise of having the house signed back in six months. In reality, the scammer neglects to make the mortgage payments, and racks up a series of phony charges and fees, soaking up any remaining equity in the already debt-laden home.

Spotting a Mortgage Scam as a desperate individual about to lose a home to foreclosure, a friendly voice offering a solution may seem like a ray of hope. First and foremost, don't let your vulnerable situation cloud your judgment. Do not become a victim.

Recognize that anyone contacting you and offering unsolicited advice or a miracle solution to your problems is sketchy at best. Do not sign any contract until your lawyer has read it over, and don't forget "if it's too good to be true, it probably is!"

About the Author

Program Realty offers the highest level of service available to both buyers and sellers of Florida real estate. Visit us at ProgramRealty.com for information about premium realty spots in Florida, beautiful property listings, and much more.

Recently the National Notary Association on there website stated there are now over 4.8 MILLION notaries in the United States. Compare that number to only 90,000 licensed notaries in the United Kingdom. Basically every state in America sadly will give just about any person a notary license if they pay for the license and pass the Texas notary public exam.

Please BEWARE of any Texas notary signing agent or Austin, Texas notary agent that says they can or will explain any and all documents to you. By state law they can't do that, the top and most experienced Texas mobile notaries will tell you this upfront or when they meet you in person.

You are to ask your lawyer, realtor, bank, loan officer, closing agent, doctor, escrow agent, title agent, etc. any questions about any document you want or need notarized by a Texas notary or mobile Texas notary.

The decree below by the National Notary Association is something Mobile Austin Notary follows to the letters, and puts this graphic on all the company advertising they do in the state of Texas. I encourage all other Texas notaries and Austin, Texas mobile notaries to do the same thing, thus as to inform the general public and to protect yourself.

Posted by www.mobileaustinnotary.com

We've all seen those military movies about the tough ass Sgt. beating on and screaming at soliders in basic training. Movies like Full Metal Jacket, Forest Gump, Private Benjamin, and Stripes to name a few. Well our CEO is kind of like a notary public Drill Sgt. in how brutually strict his policies, standards, and guidelines are for all our mobile Texas notaries that partner with us from around the state of Texas.

The good news for you is, the more strict our notary Drill Sgt CEO is the better work, more on time, more professional, more experienced, and better mannered all our Texas mobile notary staff will be with you when you hire us. By the way our CEO really also is the most giving, smart and Teddy Bearish man we all know and respect.

Mobile Austin Notary has its corporate headquarters in the beautiful city of Austin, TX. Our x-Fortune 500 CEO personally interviews, heavily screens and hires ONLY the fully licensed, insured and bonded Texas mobile notaries.

All of Mobile Austin Notary's state wide Texas notaries and Austin notaries MUST adhere to these
12 strict standards and have...

1. At least three years mobile notary experience (we keep a filed copy of their Texas notary certificate).

2. $10,000 bond certificate required by Texas law for all Texas notaries. (We keep a filed copy as proof and require all of our Texas mobile notaries to bring the bond policy number to every notary assignment as proof).

3. Have car insurance coverage on their vehicle (we keep a filed copy as proof).

4. A valid Texas driver's license (we keep a filed copy as proof).

5. A valid Social Security card (we keep a filed copy as proof).

6. A PDA (Blackberry/Palm/iphone) type device to be able to receive emails and loan or notary documents while traveling 24/7.

7. A laptop computer to take to all Texas loan signings or notary appointments.

8. A GPS system assuring there never late to your Texas loan signing or notary appointments.

9. Gone through an extensive third party background screening thru the National Notary Organization, as well as other various national screening companies.

10. There own laser printer for printing documents out for clients. (Note: We have a commercial grade four tray HP laser printer that can print out thousands of pages per hour at our corporate office area as well, for our customers nationwide.)

11. The ability to do mobile texas notary work 7 DAYS a week and be "on call" 24 hours a day.

12. A patient, super friendly, organized, happy, professional and customer service obsessed attitude and personality. These traits directly mimic our own CEO's motto and own successful beliefs that he instill each each Texas Signing Agent and Texas Notary Public.

On top of all of our industry leading requirements we impose on our Texas mobile notaries, Mobile Austin Notary is one of the few notaries or notary companies in Texas that carry and qualify for $100,000 of Errors & Omissions insurance covering our Texas notaries. We challenge you to find any Texas notary or Texas notary company that can prove or has that much E&O insurance. We also require all of our Texas mobile notaries to have a copy of this E&O policy with them on every notary assignment as proof.

On top of all of that the CEO is so customer service obsessed (think clean freak Drill Sgt.) that he advertises and swears by this guarantee...

"You won't believe our famous Texas sized promise that no other Texas notary or Austin notary company dare offers, if were late for ANY reason to your notary or loan signing appointment (weather, traffic, accident, another appt goes long, etc.) we'll give you the next Texas mobile notary service of equal value absolutely FREE!

Austin public notary agents are plentiful and usually easily found. The best way to find a list of Austin public notary agents is in online notary directories. You can find a notary specific to your area in these searches, so if you were looking for a San Antonio notary, they would be listed as well.

The directories notary online will have much more information on the Austin public notary or the San Antonio notary than any listings in your yellow or super pages websites. You can find out more about the services that are offered, their hours of operations, office locations, and even pricing methods. You can determine the best selection by browsing through the listings of all the Austin public notary agents and even search their web pages for more relevant or specific information regarding your personal or business needs.

In addition to the listings of San Antonio notary agents and Austin public notary agents, you will find a selection of mobile notaries as well. Texas mobile notaries are easily found and are all over the great state of Texas. You can easily have the comfort of an Austin public notary come to your location and sign the urgent documents that are needed.

San Antonio notary agents are also known to travel; the traveling notary has been around for centuries and continues to be popular today. We have many needs for a mobile Austin public notary, and they offer many benefits. The signing of important documents will sometime have one or both parties that are incapable of leaving their location, such as the elderly, the terminally ill, handicapped or disabled, the incarcerated, and those living in nursing homes.

San Antonio notary agents and Austin notary agents both offer mobile or traveling services to come to your location. You can easily have last will and testaments, title transfers, power of attorneys, property division, or property transfers, done from the location of your choosing. There is no need to go to the office of the Austin public notary; he or she will come to you.

When you are doing your search for a good Austin notary or a San Antonio notary, keep in mind that they do not all offer traveling or mobile services. You may have to find one that suits your needs not only now, but in the future as well. You will be required to sign a sworn affidavit that all the information in the related documents to be signed is true and accurate to the best of your knowledge.

Any notary, not just the Austin public notary and the San Antonio notary, will require you to sign this oath or affidavit. The documents, once signed will become a legally binding contract between the two parties, the notary will give his or her seal of approval and they will become authenticated legal documents for your records.

Your Austin public notary has under went training and understand the law that they are binding you in to, you can not get advice form a notary, but they will ask if you understand the document that you are signing, your signature will give the San Antonio notary or any other notary the indication that you acknowledge the terms of the agreement you entered in to.

A mobile Austin notary will come to your place of employment, home, or your loan closing of your property. You can be assured that the will complete the job quickly and accurately.

If you are in need of a mobile Austin notary, you can simply search the internet to get a listing of them in your local or state area have usually been in business for many years, the notary will help you in signing important documents, such as, titles, power of attorneys, last will and testaments, car title transfers, and even loan closings on your property.

Benefits of a Austin Mobile Notary

There are many benefits to a mobile Austin notary, you can relax and be assured that the notary will arrive on time and with all the supplies needed to secure your documents. If you are on a private car lot, still wishing to purchase a vehicle and the notary is not available from the lot office, a mobile Austin notary is only a phone call away.

Traveling Texas notaries have been around for centuries and offer their services along with a very important convenience. Mobile Austin notaries work hard to keep the tradition of the former traveling notaries are a great way to easily transfer titles from your name to another, making the document legal binding with the help of a licensed .

Austin Title Notaries Oath

Texas title notaries, just as with any notary from within the , will be required to uphold their oath and will have you do the same during the signing procedure. The jurat is an official statement that the mobile Austin notary or other notaries will have written to produce a statement that they administered and witnesses an affirmation or oath from the signing parties.

It is basically an affidavit to the effect that the person was sworn in or has affirmed to the information being the truth for the documents contents. The Austin title notaries will have you simply sign where it states that you solemnly swear that the contents of the affidavit is correct and true, you will have to sign and date it as well.

The and all other Texas title notaries are required to uphold the law to its fullest, every document has to be sworn to be true and legally binding before the notary can give his or her official stamp of approval.

It is not hard to find Austin title notaries or even a mobile Texas notary, they are normally listed in the local yellow pages, place advertisements in the local newspaper, and even will be easier to find in online notary directories.

The online notary directories will have links to their web sites, offer more information about their services and give some examples of their pricing methods. Just remember there are plenty of good Austin title notaries available, and a fewer selection of a mobile Austin notary.