Frequently Asked Questions
I Need a Quote. Whom Do I Contact?
Answer the question here. Make sure you answer all frequently asked questions to clear some common doubts. People love when they find a solution without having to wait for your reply. This also shows that you have enough knowledge that you can share and help them out.
What Are the Payment Methods You Accept?
- Credit Card
- Check
- Venmo
- CashApp
- PayPal
Misconception: Signing Agents are subject only to state Notary laws
Fact: As third-party service providers for mortgage lenders and title companies, Signing Agents also must comply with the same federal privacy rules that lenders and title companies must follow, including but not limited to the Gramm-Leach-Bliley Act, the Truth In Lending Act and the USA PATRIOT Act.
Can Texas Signing Agents Facilitate HELOC Loan Signings Anywhere?
Loan limitation imposed: Article XVI, Section 50(a)(6)(N) of the Texas Constitution protects Home Equity Line of Credit (HELOC) loans from a forced sale for the payment of all debts provided they are closed in the office of a lender, an attorney, or a title company. The Texas Administrative Code clarifies that the closing must occur at the permanent physical address of a lender, an attorney, or a title company. This includes an indoor office or a parking lot.
How Will I Be Kept Informed about My Case?
Answer the question here. Make sure you answer all frequently asked questions to clear some common doubts. People love when they find a solution without having to wait for your reply. This also shows that you have enough knowledge that you can share and help them out.
Insurance
How Can I Contact Your Office?
Answer the question here. Make sure you answer all frequently asked questions to clear some common doubts. People love when they find a solution without having to wait for your reply. This also shows that you have enough knowledge that you can share and help them out.
What is a Wrap Mortgage & its Restrictions on Signing Agents?
A mortgage wrap transaction is simply the seller financing of a property that does not pay off the current mortgage lien on the property. The property is conveyed and the existing mortgage lien stays in place with a second, junior lien held by the seller.
Effective January 1, 2022, Texas law provides that a lien securing a wrap mortgage loan is void unless the wrap loan and the conveyance of residential real estate securing the loan is closed by an attorney or a title company.
What is Texas House Bill 3474?
Clarifies that a Notary Public has the same authority as the county clerk to take depositions as provided in Section 20.001 of the Civil Practice and Remedies Code.
Amends Section 406.016(a) of the Government Code.
Clarifies that a Notary Public has the same authority as the county clerk to take depositions as provided in Section 20.002 of the Civil Practice and Remedies Code.
Existing law already authorizes a Notary to take depositions. House Bill 3474 clarifies that a Texas Notary may conduct depositions with the same authority as the county clerk under the Civil Practice and Remedies Code, which designates specific individuals empowered to conduct depositions depending on the location of the witness. This statute provides that a Texas Notary may take depositions of a witness located in the state of Texas and that any Notary, regardless of jurisdiction, may conduct a deposition when the witness is located outside the state of Texas, whether the witness is located inside or outside the United States.
What is a Piggyback Loan?
As set forth under the Consumer Financial Protection Bureau (CFPB) – A “piggyback” second mortgage is a home equity loan or home equity line of credit (HELOC) that is made at the same time as your main mortgage. Its purpose is to allow borrowers with low down payment savings to borrow additional money in order to qualify for a main mortgage without paying for private mortgage insurance.
Generally speaking, in a piggyback loan, instead of financing a home purchase with a single mortgage, you’re doing it with two, which you take out at the same time: one big loan and a second, smaller one (the piggy on the back, so to speak). The second loan essentially provides funds towards your down payment.
TRID Compliance
Qualified Loan Signing Agents
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Over 20 Years of Experience
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Our Awards and Certificates
1) Accreditation(s) by virtue of the National Notary Association, NNA - Certified and Trained Loan Signing Agent(s);
2) State of Texas Notary Public License by virtue of the Secretary of State;
3) Member of the American Association of Notaries since 2019;
4) Notary Essentials Certificate