WHERE CAN I FIND A NOTARY PUBLIC AVAILABLE 24 HOURS A DAY? IN NEW YORK CITY

Everybody in New York City at some point is been told that need to notarize a document, and then you wonder, what the heck is notary public. Well in simple term i will explain all. and also the difference between attorney and a lawyer. Because a Notary Public is NOT an Attorney or a Lawyer but a Lawyer or an Attorney can be a notary public.

First is there a difference Between Attorney and a Lawyer? are they the same?

The simple answer is not, they are not the same even when they have the same functions.

Lawyer Just practice the law.
Attorney handle business for a client or somebody else.

A Lawyer became an attorney at the moment he get a client or do business for anybody else.

WHAT IS A NOTARY PUBLIC? Notaries public in New York are commissioned by the Secretary of State of New York after passing a short examination in law and procedure and submitting an application for appointment accompanied by the proper fees. A notary's commission is received from and kept on file with the county clerk of the county in which they reside or do business, but notaries are empowered to actually perform their duties anywhere in the state.

New York notaries are empowered to administer oaths and affirmations (including oaths of office), to take affidavits and depositions, to receive and certify acknowledgments or proofs (of execution) of deeds, mortgages and powers of attorney and other instruments in writing. Notaries may also demand acceptance or payment of foreign and inland bills of exchange, promissory notes and obligations in writing. Other powers include required attendance at the forced opening of an abandoned safe deposit box to observe the opening and conduct and provide a written inventory of the contents.

New York notaries may not issue certified copies of publicly recordable documents (i.e. birth certificate, marriage certificate, bankruptcy discharge, divorce decree, etc.); notably (as emphasized by official publications) they may not certify copies of documents (for instance, "I hereby certify that this is a true and correct copy...," is beyond the authority of a New York notary). However, a notary may issue a notarial copy certification in which the document custodian signs and swears to the authenticity of the original and facsimile document. New York notaries, including attorney-notaries, may not solemnize marriages in a civil ceremony. In New York state, a notary is not required for a testator to write or execute a last will and testament. New York law requires two witnesses, who do not need to be notaries, to attend and observe the will signing ceremony; subsequent to the execution by both testator and subscribing witnesses, these witnesses may then swear to the mental competence of the testator and other factors associated with the execution ceremony. A notary may, upon request, take a "self-proving affidavit" or an "affidavit of execution" sworn to and signed by the testator and the two (subscribing) witnesses, which will serve as formal proof and testimony of the proper will execution in the probate process at the county surrogate.

WHERE DO YOU GET A NOTARY PUBLIC?

One of the main questions are.
IS THERE A NOTARY PUBLIC NEAR ME?

Well usually yes, there is a Notary Public Near You.
the first place to look for is the state court system at the county clerk office.

other places to look for are UPS Stores, Real State agencies, Multiservices offices, Banks and Even Police Precincts. 

but in this online and digital time, nobody got time just to be going around looking for anybody, now the fastest way is using the cellphone and the internet.

WHERE IS A NOTARY PUBLIC LOCATED?

Type 24 Hours Notary Public if you are willing to go there and the notary accept walking.

Type 24 Hours Mobile Notary Public if you want the Notary Public go to you and just wait for him/her to come to your designated place.

If you need a 24 Hours mobile notary public or just have a question, we will be glad to help you.

call us at 646-721-7423

 or 

Email us at notary@vjbrmultiservice.com

WHY MORTGAGE APPLICATIONS NEED A NOTARY PUBLIC?

WHY WE NEED A NOTARY PUBLIC FOR A MORTGAGE CLOSING.

One of the first tasks of becoming a homeowner is to sign a humongous amount of paperwork to seal the deal. The notary public is a neutral third-party who verifies that you are indeed who you say you are and that your signature is authentic on the paperwork in the loan package. Some of the documents in your loan package can be signed or initialized without the notary's seal, and procedures vary from state to state. After you sign, the notary also signs and embosses the document with a special seal.

Mortgage
The mortgage is the document that protects the lender if the borrower walks away from his obligations. The note secures the property as collateral until the debt is repaid in full. To record a mortgage, the original document must be completed, signed and notarized. Without a notary seal, the mortgage cannot be recorded and is invalid. The mortgage note must have the legal description of the property, the purchase price, length of time to repay the note, the interest rate and the borrower's signature, indicating responsibility for the debt. The lender must also sign the document.

Deed of Trust
The most important document in your loan package is the deed of trust. It is the paper that transfers all interest, rights, and title of the house from the seller to the buyer. Since this document must be filed in the recorder's office of the county in which you reside, it must be signed by the borrower, the lender and a trustee, and then notarized.

Subordination Agreement
Many homeowners have a home equity line of credit or second mortgage on their homes. When it comes time to refinance your first mortgage, a subordination document prioritizes the first mortgage to take precedence over existing liens while the refinance is processed. For example, when the lender who holds the home equity line or second mortgage signs the subordination agreement, it means it agrees to have its loan remain in second position in the case of foreclosure. Unless there is a subordination agreement, it is virtually impossible to refinance your first mortgage. The document agreeing to the subordination must be signed by the lender and the borrower and requires notarization.

Signature Affidavit
According to the National Notary Association, the signature affidavit is a commonly notarized document that certifies a signature is true. Some lenders may waive the requirement for notarization, but because it is an affidavit, the document is usually notarized.

Affidavit of Owner Occupancy
The occupancy affidavit verifies that the borrower will use the property as his primary residence. Basically, the borrower is stating that as of the time of the signing of the affidavit, he has no preexisting plans to move out and change it to a rental, a loan for which involves a higher risk of default and carries a higher interest rate. The lender doesn't want to make a residential loan on an investment property. The occupancy affidavit must be signed and notarized.

For more information on this matter, please get in contact with us at

notary@vjbrmultiservice.com

or call us or text us at 646-721-7423 via whatsapp..