Texas Notary Prep Exams 2025 Guide A+, Exams of Human Resource Management

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Texas Notary Prep Exams 2025 Guide A+

Verification - ANSWER-Formal declaration where someone is verifying the truth in a document or the identification of a person Verification Rules - ANSWERIt can be signed beforehand, oath needs to be in person in front of the noLlary (physically present) Certification definition - ANSWEF-personally made an unaltered copy of document Certification rules - ANSWER-Must be non-recordablo, nol governmen!. documents, true, exact, complete copy acknowledgement - ANSWER-Signer appears in front of you you verily their ID they confirm the signature is theirs (by asking them or watching them sign) Acknowledgement rules - ANSWERCan be signed beforehand, no oath, but ID must be verified Jurat - ANSWER-Adds to affidavit, clarifies when/where/and with whom an affidavit was made Jurat rules - ANSWERamust be under oath in front of notary whon signing Nolarizalion process - ANSWER-Personal appcarance with ID, personally knowing, credible witness personally knowing Notarial certificate - ANSWER-Required for each notarial act... cannot sign/seal if certificate is missing Grantee - ANSWER-someone receiving $4 fee - ANSWERFProtesting a bill or note for non-acceptance or non-payment, register, and seal. $1 fee - ANSWER-Each notice of protest. $4 - ANSWER-Protesting in all other cases $4- ANSWER Certificate and seal to a protest $6 for the first signature and $1 for each additional signature - ANSWER-Taking the acknowledgement or proof of a decd or other instrument in writing, for registration, including certificate and seal $6 fee - ANSWER Swearing a witness to a deposition, seal, certificate, and other business connected with laking thal deposition $6 [ec - ANSWER-All notarial acts nol. provided for affidavit - ANSWER-A voluntary declaration of facts, written down and sworn to or affirmed by the declarant (“affiant") before a Notary Public or other officer having the authority to administer an oath. affirmation - ANSWEF-The act of affirming the truth of a document, not an oath. “I solemnly affirm and declare the foregoing to be a true statement..." Note that an affidavit may appear in iwo forms: a sworn aflidavil with oath, or an affirmed affidavit with affirmation. Each has the same legal import. Jurat - ANSWER-A certification added to an affidavit or document stating when, where and before whom such affidavit was made. oath - ANSWER-A solemn declaration, accompanied by a swearing to God or a revered person or thing, that one’s statement is true or that one will be bound to a promise. The person making the oath implicitly invites punishment if the statement is untrue or the promise is broken. protest - ANSWER-A Notary Public’s written statement that, upon presentment for payment or acceptance, a negotiable instrument was neither paid nor accepted. verification - ANSWER-A formal declaration by which one swears to or affirms the truth of the statements in a document. Also, the statement of a Notary Public that the person appearing before the notary has becn properly identified as being Lhe person purported Lo be appearing. ANolary Signing Agent has been providing signing services with no incidents for over 10 years without having undergone a background screening. Therefore he or she: - ANSWERMust still arrange to obtain and pass a background screening ANotary Signing Agent has nearly 10 years of experience has reviewed and is completely familiar with all the loans documents in the loan package. When meeting with the Borrower, the NSA may now: - ANSWER-Present and state the general purpose of each document and how it must be signed Why should a NSA learn about all of the closing documents in a loan package if they are not allowed to provide advice or counsel? - ANSWER-To demonstrate to contracting companies that the NSA is competent to oversee a signing appointment. An NSA consi journal, but is commission in a st Lontly follows the practice of obtaining borrower's thumbprints in his or her ‘\ borrower has Lo that does nol. require journal Lhumbprints. complied with all other notarization requirements, but obj to leaving her thumbprint in the Jownal. What should the NSA do? - ANSWER-Perform the notarization select the best ANSWER. The Notarial Evidence Form is completed by: - ANSWER-The NSA and returned to the contracting company select the best ANSWER Notarial certificates on loan documents: - ANSWER Must be completed in the presen. of the borrower During a signing appointment, a borrower asks the Notary Signing Agent if his loan rale is . How should the NSA respond? - ANSWER-Explain to the borrower that the NSA is nol permitted Lo discuss loan rates competi A borrower oxprcesses concer thal once he signs all the documents, he will be “stuck" wilh a second mortgage. A good response by a NSA could be to - ANSWER- Recommend the borrower contact the lender’s representative and provide the phone number If the Mortgage / Deed of Trust contains the phrase “See Exhibit A" in the section of the document containing the property’s legal description: - ANSWER-The “Exhibit A” must be present The lender’s representative calls the NSA prior to an assignment that afternoon to inform the agent thal. the borrower will be represented by an attorney in fact. This is considered: - ANSWER-Permissible as long as the approval is also in writing A borrower has asked a NSA to email him copies of the loan documents. How should the NSA respond? - ANSWEF-Rofuse Lo send the documents and notify the contracting company or closing agents of the request An NSA ts running behind schedule and does not want to be late for an appointment. The agent's spouse volunteers to download and print copies of the closing documents. How should the NSA respond? - ANSWER-Thank the spouse for the offer but explain that is not allowed The SPW’s Code of Conduct strictly prohibits NSA’s from: - ANSWER-Collecting the signing fee from the signer in the event the contracting company fails to pay While on the way to a signing, a Notary Signing Agent realizes that the location is outside his normal territory and he should have negotiated a higher Lravel fec. The mos! appropriate action the NSA should take is to: - ANSWER-Complete the assignment and ask for a higher travel fee for the nes singing in lhe arca Appropriatc altire Lo wear al a loan signing assignment is determined by :- ANSWER-The contracting company Upon arrival to meet the borrower for a signing appointment, a Certified Notary Signing Agent must present. - ANSWER-A gov't issued ID with a photograph An NSA and a borrower have finished signing documents and all that is left to wrap up the appointment is to check the document for errors, but the NSA is already late for the next hat should the NSA do?- ANSWER-Check tk the borrower for the next appointment appointmen + documents for error and then call When should the signing agent determine if the date and time of the signing appointment are set and ask about any additional stipulations? - ANSWERDnring the initial phone call from the contracting company When confirming an appointment to sign documents with a borrower, the NSA should: - ANSWERConfirm acceptable ID will be present The contracting company sends instructions to an NSA before the agent’s assignment. It details adress code the agent will be required to follow when working for the company. The best response would be: - ANSWER-Dress in conformance with the company’s requirement Which of the following documents contain both the monthly payment amount and the breakdown of principal, int axes, and insurance? - ANSWER-Payment Let! Which document represents the borrower's promise to repay the loan? - ANSWER-The Note Which document authorizes the lender to obtain the borrower's tax returns? - ANSWER-Form 4506-T The final printed version of the Loan Application is referred to as the: - ANSWEFR-Uniform Residential Loan Application