NOTARY SIGNING AGENT CERTIFICATION EXAM 2024
ACTUAL EXAM COMPLETE 100 QUESTIONS WITH
DETAILED VERIFIED ANSWERS (100% CORRECT
ANSWERS) / ALREADY GRADED A+
When would the Right of Rescission period end if refinance documents for a
borrower's primary residence were signed on Thursday, October 25th at 8pm? -
ANSWER: Monday October 29th at midnight
Which document(s) specify the interest rate being charged for a loan? - ANSWER:
Note
Which of the following questions can a notary signing agent answer without
supplying unauthorized or illegal assistance? - ANSWER: Where are my interest rate
and monthly payment amount listed?
During a signing, a borrower asks you why the appraisal fee is $595. The notary
should: - ANSWER: Suggest that the borrower call his/her contact at the Lender or
Title Company.
When notarizing a document for a signer, which of the following can qualify as
satisfactory evidence of identity? - ANSWER: A valid driver's license.
A signer comes to you needing a document notarized, but does not know what kind
of notarization is required. The document itself does not state this either. As a
notary, how should you proceed? - ANSWER: Inform the signer that they will need to
let you know what type of notarization is needed before you can complete it for
them.
How should you proceed if you are completing an Acknowledgment for a document,
but there is no room for a notarial section to be completed? - ANSWER: Complete a
separate Acknowledgment certificate and attach this loose leaf certificate to the
document.
A document requiring a notary's Acknowledgment is signed prior to being presented
to the notary public. In this case, the notary public should: - ANSWER: Ask the signer
to Acknowledge that he or she executed the document, check acceptable
identification, and then notarize the signature.
You are notarizing the Deed of Trust for John Smith. John's wife Jane Smith is also on
the Deed and the attached Acknowledgment, but she will not be present at the
signing. What should you do to complete the Acknowledgment for John Smith? -
ANSWER: Cross out the name Jane Smith on the Acknowledgment, initial the change,
and notarize the signature of John Smith.
, In which situation does a person who needs an acknowledgment notarized NOT
need to appear before a notary? - ANSWER: If another individual is signing as
Attorney in Fact for the signer in an authorized capacity.
The Deed of Trust or Mortgage is a Security Instrument whereby real property is
pledged as security for a loan. - ANSWER: True
If a borrower asks whether they are getting a Good interest Rate, how should you
respond? - ANSWER: As a neutral, disinterested third party, it is not your place to
make comments or give opinions regarding the Quality of a loan.
A notary can delegate his or her notarial Authority to another person. - ANSWER:
False
When a borrower has questions regarding specific terms and conditions of their
Loan, the notary should: - ANSWER: Advise borrower they need to get clarification
from their Loan officer or broker.
Attempt to contact the Loan officer or broker from the signing to get questions
answered.
A Notary Public need not require an individual to personally appear before them if
the document has been per-signed & the Notary Public personally familiar with the
signature of the individual. - ANSWER: False
When the names of a Husband & Wife have been per-typed on an
Acknowledgement, but only the Husband appears before the Notary Public to have
his signature notarized then: - ANSWER: The Notary Public must cross out the Wife's
name on the Acknowledgement
A Notice of Right to Cancel or Right of Rescission is not generally required on
purchase transactions. - ANSWER: Three Business Days to Cancel.
When utilizing a Driver's License or any ID card as satisfactory evidence for
identifying a Borrower, it Must contain a photograph, signature, physical description,
& identification number. - ANSWER: True
A Notary Public May advise persons regarding questions of Law. - ANSWER: False
A Notary Public May use a rubber stamp as a substitute for His or Her signature. -
ANSWER: False
With regard to determining a signer's competence, their ability to communicate with
the Notary is not an important factor. - ANSWER: False
If Loan documents reflect a borrower's name as " Jonathan F. Doe", it is okay for the
borrower to sign only as " Jon Doe" if that is how he Normally signs his name. -
ANSWER: True
ACTUAL EXAM COMPLETE 100 QUESTIONS WITH
DETAILED VERIFIED ANSWERS (100% CORRECT
ANSWERS) / ALREADY GRADED A+
When would the Right of Rescission period end if refinance documents for a
borrower's primary residence were signed on Thursday, October 25th at 8pm? -
ANSWER: Monday October 29th at midnight
Which document(s) specify the interest rate being charged for a loan? - ANSWER:
Note
Which of the following questions can a notary signing agent answer without
supplying unauthorized or illegal assistance? - ANSWER: Where are my interest rate
and monthly payment amount listed?
During a signing, a borrower asks you why the appraisal fee is $595. The notary
should: - ANSWER: Suggest that the borrower call his/her contact at the Lender or
Title Company.
When notarizing a document for a signer, which of the following can qualify as
satisfactory evidence of identity? - ANSWER: A valid driver's license.
A signer comes to you needing a document notarized, but does not know what kind
of notarization is required. The document itself does not state this either. As a
notary, how should you proceed? - ANSWER: Inform the signer that they will need to
let you know what type of notarization is needed before you can complete it for
them.
How should you proceed if you are completing an Acknowledgment for a document,
but there is no room for a notarial section to be completed? - ANSWER: Complete a
separate Acknowledgment certificate and attach this loose leaf certificate to the
document.
A document requiring a notary's Acknowledgment is signed prior to being presented
to the notary public. In this case, the notary public should: - ANSWER: Ask the signer
to Acknowledge that he or she executed the document, check acceptable
identification, and then notarize the signature.
You are notarizing the Deed of Trust for John Smith. John's wife Jane Smith is also on
the Deed and the attached Acknowledgment, but she will not be present at the
signing. What should you do to complete the Acknowledgment for John Smith? -
ANSWER: Cross out the name Jane Smith on the Acknowledgment, initial the change,
and notarize the signature of John Smith.
, In which situation does a person who needs an acknowledgment notarized NOT
need to appear before a notary? - ANSWER: If another individual is signing as
Attorney in Fact for the signer in an authorized capacity.
The Deed of Trust or Mortgage is a Security Instrument whereby real property is
pledged as security for a loan. - ANSWER: True
If a borrower asks whether they are getting a Good interest Rate, how should you
respond? - ANSWER: As a neutral, disinterested third party, it is not your place to
make comments or give opinions regarding the Quality of a loan.
A notary can delegate his or her notarial Authority to another person. - ANSWER:
False
When a borrower has questions regarding specific terms and conditions of their
Loan, the notary should: - ANSWER: Advise borrower they need to get clarification
from their Loan officer or broker.
Attempt to contact the Loan officer or broker from the signing to get questions
answered.
A Notary Public need not require an individual to personally appear before them if
the document has been per-signed & the Notary Public personally familiar with the
signature of the individual. - ANSWER: False
When the names of a Husband & Wife have been per-typed on an
Acknowledgement, but only the Husband appears before the Notary Public to have
his signature notarized then: - ANSWER: The Notary Public must cross out the Wife's
name on the Acknowledgement
A Notice of Right to Cancel or Right of Rescission is not generally required on
purchase transactions. - ANSWER: Three Business Days to Cancel.
When utilizing a Driver's License or any ID card as satisfactory evidence for
identifying a Borrower, it Must contain a photograph, signature, physical description,
& identification number. - ANSWER: True
A Notary Public May advise persons regarding questions of Law. - ANSWER: False
A Notary Public May use a rubber stamp as a substitute for His or Her signature. -
ANSWER: False
With regard to determining a signer's competence, their ability to communicate with
the Notary is not an important factor. - ANSWER: False
If Loan documents reflect a borrower's name as " Jonathan F. Doe", it is okay for the
borrower to sign only as " Jon Doe" if that is how he Normally signs his name. -
ANSWER: True
