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Sample loan docs: A-I

Notary Signing Agents must become familiar with common closing documents. This page has a collection of FREE sample loan documents for you to review, print, and practice on your own. Download the files and then open with Adobe Acrobat Reader. Avoid the frustration of printing issues by remembering to print these practice loan document PDFs using Adobe Acrobat Reader. Pay attention to your printer and document settings. Loan packages often are a mix of legal and letter sized documents. Always print on correctly sized paper. Make sure text size is legible and that nothing is cut off. Learn your equipment and know how to recognize and resolve print issues.

AmortizationSchedule (pdf)Download
Borrowers_Cert (pdf)Download
ClosingDisclosure1 (pdf)Download
ClosingDisclosure2 (pdf)Download
DeedofTrust (pdf)Download
Errors&OmissionsCompliance (pdf)Download
FloodHazardNotice (pdf)Download
Form4506T (pdf)Download
HUD1_SettlementStmnt (PDF)Download
HUD1a_SettlementStmnt_NoSellers (PDF)Download
IdentificationVerificationForm (pdf)Download
ImpoundAccountLetter (pdf)Download
InitialEscrowAccountDisclosureStmnt (pdf)Download

Sample loan docs: L-R

LoanEstimate1 (pdf)Download
LoanEstimate2 (pdf)Download
Mortgage (pdf)Download
Note (pdf)Download
NoticeOfRightToCancel (pdf)Download
OwnersAffidavit (pdf)Download
RIDER_1-4-Family (pdf)Download
RIDER_AdjustibleRateMortgage (pdf)Download
RIDER_Balloon (pdf)Download
RIDER_Condominium (PDF)Download
RIDER_MERS (pdf)Download
RIDER_MobileHome (pdf)Download
RIDER_PlannedUnitDevelopment (PDF)Download
RIDER_SecondHome (pdf)Download

Sample loan docs: S-W

Servicing-Disclosure-Statement (pdf)Download
SignatureandNameAffidavits (pdf)Download
URLA-UniformResidentialLoanApplication-purchase (pdf)Download
URLA-UniformResidentialLoanApplication-refinance (pdf)Download
URLA-x_additional-borrower (pdf)Download
URLA-x_borrower-information (pdf)Download
URLA-x_continuation-sheet (pdf)Download
URLA-x_lender-loan-information (pdf)Download
URLA-x_unmarried-addendum (pdf)Download
W9-RequestForTaxPayerID&Cert-ssn (pdf)Download

MORE RESOURCES

LOOKING FOR INFO ON OBTAINING YOUR NOTARY SIGNING AGENT BOND AND E&O INSURANCE IN WASHINGTON?

Contact Rebecca Jacobs at ANS of Washington:  http://www.ansofwa.com/  

ATTORNEY & NOTARY SUPPLY, INC.
200 Mill Ave S., Ste 410
Renton, WA 98057
(425) 271-6353  | (800) 572-1689


Other sample loan documents can be found online on many mortgage, banking/finance websites, and government websites. Consumer Financial Protection Bureau (CFPB) and Housing and Urban Development (HUD) in particular offer examples you may find helpful as you practice handling loan documents as a Notary Signing Agent.

CFPB:  https://files.consumerfinance.gov/f/documents/cfpb_buying-a-house_closing-forms_guide.pdf 

HUD:  https://www.hud.gov/program_offices/housing/sfh/model_documents 


Check out this old NNA article on signing agent prices: "The Truth About Notary Signing Agent Fee Discussions"

https://www.nationalnotary.org/notary-bulletin/blog/2014/10/truth-about-notary-signing-agent-fee-discussions 

(Reading the comments section of NNA's articles can be helpful too)


Ignorance of the law is no defense. We are all responsible for understanding and following the laws and rules of our profession:


Get email updates from the DOL Notaries ListServ: 

Join the Notaries LISTSERV® to get the latest licensing updates and rule changes by email.


Chapter 42.45 RCW ~ REVISED UNIFORM LAW ON NOTARIAL ACTS:  https://app.leg.wa.gov/RCW/default.aspx?cite=42.45&full=true 

 

Chapter 308-30 WAC ~ NOTARIES PUBLIC: 

 https://apps.leg.wa.gov/wac/default.aspx?cite=308-30 

 

Chapter 18.235 RCW

UNIFORM REGULATION OF BUSINESS AND PROFESSIONS ACT https://app.leg.wa.gov/RCW/default.aspx?cite=18.235 


RCW 18.235.130

Unprofessional conduct—Acts or conditions that constitute.

http://app.leg.wa.gov/RCW/default.aspx?cite=18.235.130



These laws also pertain to Notary Signing Agents in loan signings:


  • The Gramm-Leach-Bliley Act requires financial institutions – companies that offer consumers financial products or services like loans, financial or investment advice, or insurance – to explain their information-sharing practices to their customers and to safeguard sensitive data. 
  • The Truth in Lending Act (TILA) protects borrowers against inaccurate and unfair credit billing and credit card practices. It requires lenders to provide you with loan cost information so that you can comparison shop for certain types of loans.
  • The Real Estate Settlement Procedures Act (RESPA) provides consumers with improved disclosures of settlement costs and to reduce the costs of closing by the elimination of referral fees and kickbacks. 
  • TILA/RESPA Integrated Disclosure (TRID) simplifies the information by combining four forms into two easy-to-understand documents: the Loan Estimate and the Closing Disclosure.   WATCH A VIDEO ON TRID: https://www.bancserv.net/fntg/TRIDTraining/ClosingDisclosureSigningAgents.htm 
  • FACTA (Fair and Accurate Credit Transactions Act) is an amendment to FCRA (Fair Credit Reporting Act) that was added, primarily, to protect consumers from identity theft. The Act stipulates requirements for Information privacy, accuracy and disposal and limits the ways consumer information can be shared. 
  • Uniting and Strengthening      American by Providing Appropriate Tools Required to Intercept and Obstruct      Terrorism (USA PATRIOT) Act Form is      used to help the government fight the funding of terrorism and money      laundering activities. Federal law requires all financial institutions to      obtain, verify, and record information that identifies every customer. 
  • Uniting      and Strengthening American by Providing Appropriate Tools Required to      Intercept and Obstruct Terrorism (USA PATRIOT) Act Form is      used to help the government fight the funding of terrorism and money      laundering activities. Federal law requires all financial institutions to      obtain, verify, and record information that identifies every customer. 
  • What      is PRICE FIXING and why is it illegal? Price fixing is an agreement (written, verbal, or      inferred from conduct) among competitors that raises, lowers, or      stabilizes prices or competitive terms. Generally, the antitrust laws      require that each company establish prices and other terms on its own,      without agreeing with a competitor. When consumers make choices about what      products and services to buy, they expect that the price has been      determined freely on the basis of supply and demand, not by an agreement      among competitors. When competitors agree to restrict competition, the      result is often higher prices. Accordingly, price fixing is a major      concern of government antitrust enforcement. (https://www.ftc.gov/tips-advice/competition-guidance/guide-antitrust-laws/dealings-competitors/price-fixing)  ANTITRUST LAWS PROHIBIT COMPETITORS OF ANY PROFESSION FROM GETTING TOGETHER TO SET OR DISCUSS FEES.  WE SHALL ADHERE TO THIS AS WELL IN OUR NSA 101 WORKSHOPS.  EXCEPT FOR STATUTORY NOTARY FEES, DISCUSSIONS ABOUT NOTARY SIGNING AGENT FEES ARE STRICTLY PROHIBITED.



Disciplinary actions of Notaries in Washington:

https://www.dol.wa.gov/business/disciplinary/disciplinarynotary.html 

 


NOTARY FRAUD IN THE NEWS: 

 

Utah man dead in wife’s freezer for a decade left a [notarized] note saying she wasn’t the killer:  https://www.theolympian.com/news/nation-world/national/article238473868.html 

  

Sinclair woman facing 80 years in prison for forgery:

https://www.rawlinstimes.com/news/local/sinclair-woman-facing-years-in-prison-for-forgery/article_44dd96b0-bcfe-5af8-8f24-c75ccce79d1b.html 


Hawaii Corruption Trial Focuses On Alleged Fake Notary:

https://www.hawaiipublicradio.org/post/hawaii-corruption-trial-focuses-alleged-fake-notary#stream/0 


Notary public charged with forgery after businessman discovers suspicious activity: 

https://pncguam.com/notary-public-charged-with-forgery-after-businessman-discovers-suspicious-activity/ 

 

Notary pleads guilty to fraud, St. Pete man claims his house was stolen:

https://www.wfla.com/8-on-your-side/better-call-behnken/notary-pleads-guilty-to-fraud-st-pete-man-claims-his-house-was-stolen/  

 

Grandmother charged with forging custody documents in Pike Co. massacre returns to court:

https://dayton247now.com/news/local/grandmother-charged-with-forging-custody-documents-in-pike-co-massacre-returns-to-court-12-02-2019 


Men who bilked immigrants get prison time " worst case of 'Notario' (notary) fraud this state has ever seen":

https://mailtribune.com/news/crime-courts-emergencies/men-who-bilked-immigrants-get-prison-time 


Scam artists target immigrant communities, promising legal status for cash:

https://www.chicagotribune.com/news/ct-immigration-notary-fraud-met-20170529-story.html 

 

Warrensburg lawyer pleads guilty in fraud case involving deceased woman's home ...lawyer was arrested and pleaded guilty to a misdemeanor fraud charge for notarizing a document when he didn’t witness the signatures on it:

https://poststar.com/news/local/warrensburg-lawyer-pleads-guilty-in-fraud-case-involving-deceased-woman/article_cf79acd2-a588-11df-8d32-001cc4c002e0.html 



Before you accept an assignment, make sure you are covered as a NOTARY SIGNING AGENT (800) 572-1689 


Copyright © 2020 CARMEN LANE LLC | Cascadia Publishers | All Rights Reserved. 

WA UBI 604360858 | FEIN 83-2831698

CARMEN LANE LLC is not employed by nor affiliated with NNA , SPW , or STATE OF WA


Wedding Officiant/ULC Minister
 

WA Notary #176228 | my commission expires 01/20/23

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