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Cash Credit Card *Travel Fees are paid in advance. Notarization Fee wiil be due at the time of service. *Travel Fee will not be refunded if the notarization cannot be completed.

What is a Notary Public? A Notary Public is a public servant appointed by the State to act as an impartial witness in taking acknowledgments, administering oaths and affirmations, and performing other acts authorized by state law. Notaries lend credibility to the authenticity of certain sensitive signed documents through identification of the signer. A notarized document ensures to the public that it’s signer is the person who signed the document .

Documents within many industries such as Real Estate, Financial, Legal and Healthcare are requiring more and more notarizations to help deter fraudulent activity. Today, with the increasing amount of identity theft and corporate corruption, these industries use notarization as a checks and balancing tool. This serves to help protect the public as well as the businesses themselves from illegal activity.

Identification must include the signers photograph, signature, identifying number, and a physical description that includes height, weight, color of hair and color of eyes. Acceptable forms of Identification include: Valid Driver’s License of nondriver’s ID card issued by a U.S. state. U.S. passport (physical description not required). U.S. Military Identification Card that contains all required elements stated above, (The Common Access Card, CAC is not acceptable) Valid Driver’s License issued in Mexico or Canada. Foreign passport that has been stamped by the U.S. Citizenship and Immigration Services (USCIS). Inmate ID Issued by the Arizona Department of Corrections. Unacceptable forms of Identification include: Matricula Consular Card Social Security Cards Temporary Driver’s Licenses Driver’s Licenses without photographs Student identification cards Credit cards with or without photographs *Notary cannot perform a notarization without a proper form of identification. We reserve the right to refuse to perform the notarization.

The “mobile” designation means the notary travels to you. They come to your home, office, or other public location at your convenience, giving you the advantage of flexible scheduling – evenings and weekends as well as regular business hours.

A Certified Signing Agent has special expertise and training to conduct loan signings. The certification is often from a national organization such as the National Notary Association. The Signing Agent is hired as an independent contractor by a title, mortgage, or escrow office to ensure that the loan signing process is properly completed. Humble Beginnings Notary Services does hold this distinction.

Most importantly to deter fraud and to help protect the legal rights of the persons whose signatures are being notarized. It is the legal responsibility of the notary, serving as an impartial witness and public official, to ensure that the signers of notarized documents are indeed who they claim to be.

A notary public may not notarize a document that is incomplete (Government Section 8205). This is for the public’s protection from the widespread occurrence of fraud.

All of our work is guaranteed 100%. In the rare case of a notary error, it will be corrected at no cost to you. It is widely assumed that Notary Signing Agents are considered "disinterested third parties". While our goal is to successfully close every loan, if the borrower rescinds or the loan fails for any reason Signing Agent fees are still DUE IN FULL.

The Loan Signing 1. Before the loan signing begins, it is important to know that a Notary Public is a Public Officer Commissioned by the State. As a Public Officer it is a Notary Publics job to be neutral and unbiased. A Notary Signing Agents job is to protect both party’s information, protect both parties from fraud, and to make sure that certain information provided in documents is present, correct, and accurate. Such as: Names, Dates, Addresses, Social Security Numbers, numerical information, percentages, amounts, and prices. A Notary Signing Agent cannot offer advice, give an opinion on the loan information or make any changes. This is considered practicing law and is illegal for a Notary Public. Loan signers will be referred to their closing agent, financial advisor, or attorney. The Notary Signing Agent, if requested by the loan signers, can provide answers about a documents purpose, or which document contains information a loan signer seeks. 2. Closing Disclosure: In most cases, make sure that your bank, closing agent, or loan entity, has sent you in advance a copy of the Closing Disclosure. This itemizes all closing costs; page 1 includes loan amount, interest rate, projected monthly payments, closing costs and cash to close. The remaining pages include details of the closing cost, payoffs and payments, cash to close calculations, disclosures, loan calculations and contact information. Why this document is important? Loan signers can check for any errors such as: Name / Names of Loan Signers, Birth Date, Address, SSN, Loan Amount, Loan Percentage, Rate Fees, etc. 3. Make sure there is a clean space and place where the NSA (Notary Signing Agent) and loan signers can discuss and sign loan documents uninterrupted. This process generally takes 30 minutes to 1 hour. Again, it is important to have a clean and clear space so loan documents will not be damaged or misplaced. Damaged or misplaced documents can hold up the loan process. 4. Have a copy / copies of a valid and current Identification. In most cases the surety wants a copy of a current and valid drivers license or state identification card. In some cases, a U.S. Passport will work (verify this with your closing agent). 5. Have any stipulations ready such as: Checks for closing costs, mortgage statement, copies of ID cards, IRS & State tax returns and forms W-2, income statements, & insurance declarations. 6. Meeting the Notary Signing Agent. The Notary Signing Agent will schedule a meeting place and time in advance. Be sure to ask and see the Notary Signing Agents Identification before the loan signing process, meeting, and or invitation into your home. (we will present you our identification and a business card). 7. During the signing process the Notary Signing Agent will give a brief overview of each document. Some documents will be signed, while other documents will not be signed. On certain documents the Notary Signing Agent will sign & stamp the same document as the signers. 8. Signers may be required to take an oath. It is important that the loan signers participate in this process or the signing can be paused or stopped, which can delay the loan signing. 9. When the Loan Package is finished, signers will be handed an exact copy of the package for their own personal records. Finally, number 10! The Notary Signing Agent will deliver the Loan Package to the Mortgage or Title Company

Fees are calculated with the following expenses considered: The Notary's time it takes to travel to location, fuel, vehicle insurance, vehicle wear/tear & E&O Insurance. All fees are agreed upon in advance and will not change unless additional services are required.

For certain documents, yes. Many affidavits, real estate deeds, loan papers, powers of attorney, and other types of documents must be properly notarized to become legally binding. Oftentimes one of the simplest ways to determine whether a document requires notarization is to examine it, specifically, in the vicinity of the signature area- for notarial wording, such as “…subscribed and sworn to before me…” or “…acknowledged to…” Such wording varies by state and country, so use these examples only as a general guide. Also be aware that not all documents requiring notarization contain the mandatory notarial wording; in such cases, the notary must add the necessary wording to the documents.

No, a Notary Signing Agent cannot provide documents, assist in the completion of your documents or give legal advise on your documents.

Yes. Notaries must perform all lawful and reasonable requests for notarization. However, the following are some circumstances under which a Notary my decline service: If the document signer is unable to produce proper identification. If the document signer is unable to produce credible identifying witnesses. If the document is incomplete or contains blank spaces. If the document does not provide notarial wording and the signer is unable provide instructions as such. If the Notary is uncertain of a signer’s willingness, mental awareness or has cause to suspect fraud. A Notary Public may not perform notary services outside of the state that he/she is commissioned in. In other words, an Arizona Notary may not travel to California or any other state to perform notary services unless they are also commissioned in that State.

When a signer is unable to present proper identification, the signer may be identified on the oath or affirmation of one or two credible identifying witnesses. If there is only one credible identifying witness, he/she must be personally known by the Notary; otherwise two credible identifying witnesses are required. The witnesses, whether personally known or unknown by the Notary, must present valid identification. In either case, each witness must swear or affirm that the following is true: The document signer appearing before the Notary is the person that is named in the document. The document signer is personally know to the witness. The document signer does not have any acceptable identification. The witness believes that it would be difficult or impossible for the document signer to obtain acceptable identification. The witness has no financial or beneficial interest in the document and is not named in the document.

A disabled person may sign a document by marking an “X” in the presence of two witnesses who personally know the signer and who have no interest in nor are named in the document. The witnesses must present acceptable identification.

May Accept “Less of a Name” Than Appears On The Identification: If the document reflects less of a name than what appears on the identification, the Notary may proceed with the notarization. For example, if your identification reads “Norton John Smith,” and the document reads “Norton J. Smith,” the Notary may accept your identification for that document because the “J” is defined. May Not Accept “More of a Name” Than Appears On The Identification: If the document reflects more of a name than what appears on the identification, the Notary may not proceed with the notarization. For example, if your identification reads “Norton J. Smith,” but the document reads “Norton John Smith,” the Notary may not accept your identification for that document because it does not define the “J.“”

The Arizona Secretary of State’s office is tasked with issuing apostilles and certificates of authentication. Arizona notaries do not have the authority to issue Apostilles & Certifications of Authentication.

Humble Beginnings Notary Services takes your privacy very seriously. We comply with the requirements of the Gramm-Leach-Bliley Financial Services Modernization Act(GLBA). We are NNA Certified Signing Agents and have passed the FBI background screening. We will not share any information about you to any other person or third party. Your transaction and personal information is as important to us as it is to you. Notary Publics are prohibited from engaging in the unauthorized practice of law. Notary Publics and Notary Signing Agents are not permitted to explain documents, provide answers to questions about the documents (especially about legal issues related to the documents), or answer other specific questions related to the loan documents. Only practicing attorneys and individuals trained or certified in a given field may offer advice or answer specific questions.

ACKNOWLEDGEMENTS: A notarial act in which a Notary certifies that a signer, with satisfactory identification, signs a document for its state purpose. JURATS: A notarial act in which a Notary certifies that a signer has taken an oath or affirmation for truthfulness of the signed document. COPY CERTIFICATION: A notarial act in which the Notary certifies copies are of an original document. OATHS OR AFFIRMATIONS: A notarial act in which a person makes a vow, under penalty of perjury in the presence of a Notary.