MONTHLY PRICING PLANS ~ Pricing is determined and selected by your
“Business’ Authorizing Agent” (as identified in separate “Service Agreement)
prior to the beginning of the month, or at least prior to me receiving the first
package of the month (whichever occurs later) for the proceeding month, and
continuing month to month while closings are being requested. You may of course
change your PLAN as set forth within.
***
NEW BUSINESS INCENTIVE
***
SOME PEOPLE ARE A LITTLE HESITANT ABOUT MAKING CHANGES. SO, IN AN EFFORT
TO MAKE YOU FEEL BOTH COMFORTABLE AND CONFIDENT IN YOUR DECISION,
I’D LIKE TO OFFER YOU AS A FIRST TIME CUSTOMER A
SPECIAL RATE
OF ONLY
$75.00
ON YOUR FIRST PACKAGE ANYWHERE WITHIN A
60 MILE DIAMETER OF THE INTERSECTION DESCRIBED IN EITHER OF THE ABOVE PLANS. THIS IS
YOUR OPPORTUNITY TO “TEST THE WATERS,” SORT OF CHECK THE FIT IF YOU WILL, AND
HAVE THE BENEFIT OF FOLLOWING UP WITH YOUR CLIENT’S EXPERIENCE. AGAIN, THIS
OFFER IS EXTENDED TO FIRST TIME CUSTOMERS ONLY. EXPERIENCE THE DIFFERENCE!
(Additional terms and fees may apply,
please see details below (i.e. eDocs, faxing, making copies, shipping)
==================================================================
PRICING ~ “PLAN A”
SAME FLAT FEE FOR
ALL PACKAGES
ANYWHERE within a
70 MILE DIAMETER
of INTERSECTION
(436 & 17/92 ~
Intersection Located in CASSELBERRY,
FLORIDA 32707)
Includes:
most of Brevard, Lake, Orange, Osceola, Polk, Seminole, or
Volusia Counties
ALL PACKAGES ARE
PRICED AT $110.00 PER PACKAGE.
Refer to our ZIP
CODE &
NAUTICAL MAP
For Specific Details Of Covered
Areas ~ or visit
www.CentralFloridaNotary.com For Latest Updates.
==================================================================
PRICING ~ “PLAN B”
ONE WAY ~ NAUTICAL DISTANCE
FROM INTERSECTION OF ~ 436 & 17/92
(Intersection Located in
CASSELBERRY, FLORIDA 32707)
Within 10 Nautical
Miles Out (20 Miles Round Trip) $85.00
Within 10 to 20 Nautical Miles Out (20 -
40 Miles Round Trip) $95.00
Within 20 to 25 Nautical Miles Out (40 - 50
Miles Round Trip) $110.00
Within 25 to Nautical
30
Miles (50 -
60 Miles Round Trip) $125.00
Refer to our ZIP
CODE &
NAUTICAL MAP
For Specific Details Of Covered
Areas ~ or visit
www.CentralFloridaNotary.com For Latest Updates.
==================================================================
$$$ DISCOUNT INCENTIVES $$$
Same high level of service
… with a saving you can pass on …
1)
If you have me close 10 or more loans in a
month* .... ALL your pricing set for the next month gets approximately 10%** off, regardless
of your selected PRICING PLAN.
2) If you REFER another lender, broker,
escrow or title company that closes 10 or more loans packages with me in a
month* ... NOT ONLY DO THEY GET APPROXIMATELY 10% off their next month’s selected PRICING
PLAN …
BUT … YOU DO TOO
!!
*
All loan counts are reset to
zero on the first of each month. Maximum discount is 10% off listed
PRICING PLANS.
You must let me know of your referral prior to them signing up.
** The
net amount will be rounded up to the next nearest $5.00 increment.
INDUSTRY RELATED ~ IN HOUSE CLOSINGS
Are you a local
realtor, mortgage broker, lender, escrow or title company? Are you doing
volumes of business and just need a Certified Signing Agent to show up and do
your closings? If so, special pricing will be offered based on your location
and number of consistent weekly closings. For more information, please call my
office at (407) 628-5996.
================================================================
Realizing
this next section is a bit long, and detailed, please rest assured that I will give
that same attention to detail in each of your closings. To avoid confusion,
please take the time to read everything over and call with any questions.
Considering all the extended services I provide, I believe you’ll find all
pricing extremely fair.
For your
convenience, or quick reference, you may also chose to use the “CONTROL” “F”
feature of windows to search for either a key word or phases.
=========================================================================
ADDITIONAL TERMS & FEES
(This section affects
both of the previously mentioned pricing plans.)
Notarization Fees.
All Notary fees are INCLUDED
in the fees within each PLAN. An itemized invoice will break these fees out of
those stated in your selected PLAN.
Reprint
CORRECTED documents at CLIENT’S HOME.
NO CHARGE
provided you’re available when I try to call you, the lender is available to
make the correction, and they can email the corrected documents back to me at
FloridaNotary@msn.com, within 30
minutes. When I call, you must be able to supply me with your lender’s contact
information, including a specific point of contact, appropriate phone(s) that
might include either the weekend or after hour’s number(s), and when possible,
the email address from which the file will be sent. This information is often
different that that listed in the 1003, but could prove to be extremely vital in
helping you get the package funded. I’m able to print, reprint in laser quality
right on the spot … to take advantage of that, please realize I need to stick to
this 30 minute window which has been allotted in addition to a reasonable window
for the actual close, and I’ve planned it in anyways, but I have to give the
next stop the same timely service as I’ve given this client, and have to stick
to the schedule.
HELOCS, SECONDS, THIRDS, etc.
Other than applicable “copy cost,” these will be INCLUDED at
NO CHARGE
providing they are
completed during the original closing with a new FIRST mortgage and Company has
completed two (2) other closing with Signing Agent in the preceding thirty (30)
days; otherwise an additional charge of fifty dollars ($50.00) will apply. If
however these loan packages are stand-alone packages, full pricing, as set forth
within, will be charged.
Fingerprinting, Signature Recognition & Photos. We all know FRAUD prevention is a big thing. So
in addition to getting the right thumb print of ALL signing parties, and using
the most up-to-date I.D. checking guide, to help me correctly identify and
check an I.D. for authenticity, or the lack thereof, technological changes in
the industry are now ready for the next step. In an effort to take advantage of
every possible preventive option available … I plan to take advantage of a new
tool that digitally records their finger print, their signature, and even a
photo … and offer that extended service to you when available at
NO CHARGE.
(This electronic feature coming sometime soon !!) Client’s refusal in and of
itself will NOT be reason enough to deny the notary seal. However, refusal with
the slightest bit of doubt (i.e. an aged picture) will of course draw even
closer attention, to the likelihood of fraud. Please also note, the name on the
I.D. card must be equal to or MORE than but not LESS than the name as it appears
on the documents (i.e. “William” on the I.D., “W.” on the documents would be OK;
whereas “W.” on the I.D. and “William” on the Documents would be unacceptable.)
AVAILABILITY.
To accommodate your client’s needs, generally AVAILABLE ~ ANY TIME OF DAY or
NIGHT (Monday – Saturday). No Sundays!
Early Morning Hours.
In addition to the prices listed in each PRICING PLAN, there is a fee of $25.00
for closings conducted between the hours of 12:00 AM EST
to 8:00 AM EST. (Again, I
do NOT work Sundays.)
Period of Selected
Plan. Both PRICING
PLANS, although based on the previous month’s closings, each period shall start
with the first loan closed within each calendar month, continue until the last
day of the month, and renew on a month to month basis as further determined
herein.
Point of Origin.
For the purpose of this document, the “Point of Origin” unless specifically
changed in writing will always refer to a reference point at the approximate
center of the intersection better known as the cross streets located at
436 & 17/92. Said intersection is located in CASSELBERRY, FLORIDA
32707.
NAUTICAL
MILEAGE (as the crow flies).
NAUTICAL MILEAGE IS TRULY A BENEFIT TO YOU ~ IT WILL ALWAYS BE LESS THAN
ACTUAL MILEAGE (unless of course, it too is in a straight line). Your benefit,
although apparently obvious, is a much larger coverage area than that maybe
first perceived.
Mileage in excess of
Plan Limits. When
the mileage exceeds the maximum amount identified within your selected PRICING
PLAN, it will be charged at an additional amount of $2.00 for each additional
NAUTICAL
mile (The price
accounts for the round trip, in effect 2 miles, at $1.00 a mile), as
calculated by GPS. FOR QUESTIONS, or help with GFE pricing, please either call
me at the office (407 628-5996), or send your email to
FloridaNotary@msn.com, with the
address(s) in question. Packages outside the areas indicated in selected PLANS,
are accepted on a case-by-case basis.
Signing Agent is NOT
an attorney.
Brokers, Lenders, Signing Services, Escrow and Title Companies understand
Signing Agent is NOT an attorney licensed to practice law in the State of
Florida, and I may not give legal advise or except fees for legal advise. ALL
closings are witness only closings.
Cancellation prior
to arrival. NO
CHARGE, provided I’m
called a minimum of 2 hours prior to a scheduled appointment time. It should
also be noted however, in the event the documents can’t be signed on the
assigned date, the package will have to be REDRAFTED, to do otherwise, whether
“back dating,” or “post dating,” is illegal … so please, don’t even ask.
Policy for
cancellations at the door, no shows, or halts during closing;
I will attempt to call you, if client is unavailable or in the unlikely event
they’re unwilling to talk with someone from your office, or when someone from
your office can’t overcome your clients objections to move forward with the
signing, a charge equal to 1/2 the amount regularly charged in PRICING ~ “PLAN
B”, regardless of current month’s selected plan will be charged. The same fee
is charged for a no show, I’ll wait for a maximum of 30 minutes from the
scheduled appointment time, longer if they’ve called ahead and made some kind of
agreeable arrangements with me.
Borrower & Co-Borrower(s)
separate signing locations. The original trip charge will be based on your
selected plan and any additional mileage to the location furthest away from the
intersection as previously described. The second trip if within 10 nautical
miles of the first, and available for signing right after the first, the second
signing will be done at half the original charge. However, if the second
location is more than 10 nautical miles from the first, a second trip charge
equal to the LESSER of either the second trips distance from the
point of origin, or 1/2 the original trip charge will be added.
Invalid
Identification.
If one or more of the loan signing parties can NOT produce an acceptable valid
I.D., or the I.D. appears in any way to be altered, the meeting will be
considered over, and a charge equal to 1/2 the amount regularly charged in
PRICING ~ “PLAN B,” regardless of current month’s selected plan will be
charged. However, if you can later show documentation that the same loan has
later closed (whether thru myself or even another notary), or you can show that
you’ve assisted in the prosecution of the party or parties involved for fraud,
that upon your request …
THIS
ENTIRE AMOUNT WILL BE REFUNDED TO YOU AS PROMPTLY AS POSSIBLE.
Shipping Cost.
Brokers, Lenders, Escrow and Title Companies, must respectfully pay their
own return shipping cost or make appropriate arrangements for it. These
cost if not In the event “Signing Agent” must provide shipment separate from
either that supplied, or upon failure of being issued clear shipping
instructions, or the supplying of adequate shipping instructions by “Company,”
or it’s lender, company agrees to pay “Signing Agent’s” actual cost of his
elected carrier plus 10%, rounding the total to the next higher dollar amount.
Any package leaving my possession will be shipped with the use of a tracking
number. You may call or request that this tracking number be emailed to you or
your lender. Please also be aware, Saturday deliveries may be more expensive.
Companies closing 10 (ten) or more packages with me in a month, and located
WITHIN 15 (FIFTEEN) NAUTICAL MILES OF THE 436 & 17/92 INTERSECTION CAN HAVE
PACKAGES RETURNED TO THEM AT
NO CHARGE,
time permitting.
Immediately After
the Closing. I will
call both the lender and/or the person you identify in your “Service Agreement,”
providing the closing is within your regular business hours or you’ve requested
an after-hours call to let everyone know how the closing went. It’s simply part
of the service !
On-Site Email Notification.
On-Site Email Notification is also available, and at the discretion of the
“Business’ Authorizing Agent” herein, you may request this email notification on
any package you may have concerns on. When requested, this notification is
usually done within a few minutes of closing.
NO CHARGE
End of Month Jamb.
We all know that the end of the month can get real hectic. Please remember,
because I can print on the fly, it still might be possible to get that one loan
you’re still having problems placing done. I’ll try to help as often as I can.
ALL fees are the same.
eDocs. In the event the
Company, or it’s selected lender chooses to send eDocs (emailed documents), the
liability and security of sending such documents over the internet remains the
Company’s sole responsibility, and Signing Agent shall remain harmless from any
claims or liabilities, UNLESS Company’s lender sends them to Signing Agent
through an encrypted email with separate instructions for both downloading and
printing, and further agree to accept all signed packages, or any portion
thereof as being returned via an expedited overnight services, or unless
otherwise directed herein (local). There is
NO CHARGE
to download and print the first set of originals, the
LENDER’S signing copy,
provided I’ve received it at least 24 hours in advance, otherwise, normal “copy
cost” will apply. However, applicable “Copy Cost”
will still apply for each copy needed in addition to the original (i.e. Your
Clients Copy (REQUIRED), or Your Copy (if NOT the lender)). Of course we can
print files sent in .pdf format, and although I do have Adobe Acrobat software,
and a scanner to recapture signed documents, because of the lack of true
encryption through the internet security controls available when sending
documents this way, this practice is NOT recommended, and as such, this method
my be removed, or discontinued at any time without notice.
Late Docs
with Pre-scheduled Appointment
~ First let me say I’ve been in the mortgage business for quite awhile now, and
I’m amongst the first to realize things don’t always go as planned. Normally,
that hasn’t been a big deal. However, after much consideration, and even
some reluctance to adding this, I feel I must after a recent experience,
when I had an out of state customer who
prescheduled an appointment with their customer at 7:00 PM, then with seemingly
no regard for either the client’s, or my schedules, desided to FINALLY SEND A
SET OF EDOCS at 10:00 PM. Although the signing went O.K.,
the customer, who hadn’t slept since the previous morning (4:00 AM), was not at
all happy. In our business, we all pretty much recognize the importance of
promptness, and the rippling effects of poor planning. With that preface said,
and some reluctance I must add this. In the event that an appointment was
preset by anyone other than myself, and I have not received all loan docs PRIOR
TO two (2) hours of that appointment, Signing Agent reserves the right to
decline that assignment anytime thereafter without further reason or cause, and
be held harmless from any claims or liabilities. In any event, should the
closing still occur, outside the original PRESET appointment time by more than
thirty (30) minutes, a fifty dollars ($50.00) additional charge will apply.
Signing Agents
Right to Cancel.
In the event any appointment must be changed by more than an hour from its
original date and time, and dependent upon Signing Agent’s availability and sole
discretion, the appointment will either be reschedule to another time on that
SAME day, or elect to cancel the assignment without further recourse to Signing
Agent. In either case, Signing Agent will keep Company informed.
Incomplete Packages.
Fortunately this doesn’t happen too often, and normally if you’ve given me the
request 24 hours to look it over, I may notice something missing that will save
everyone a bunch of time and still resulting in a stress-free closing. However,
due to the simple nature of our industry, there are times the luxury of time is
not on our side, and I understand this. Provided this is the exception rather
than the rule, there will be
NO CHARGE for printing these off at the customer’s home, unless it happens
more than twice a month, or results in a complete new set of docs, at which
point, a $15.00 copy cost will be applied to each incident thereafter. This
fee will also be waived anytime someone else catches it before me.
Missed Documents.
In the event Signing Agent missed getting a document signed, which for the
record, I do take extra steps to prevent this from ever happening … but things
sometimes slip by even the best of us so, I will at
NO CHARGE, make the return trip as expeditiously as possible, and will include
shipping cost at my own expense. However, if a document, or group of
documents was not included in the original package, and a second trip is
required, a charge equal to 1/2 the amount regularly charged in PRICING ~ “PLAN
B”, regardless of current month’s selected plan will be charged.
Copy Cost
~ $15.00 (Per Set of Loan Documents Copied) Clients MUST have copy.
FAX Back Cost
~ Up to 20 pages ~
NO CHARGE.
Requesting of faxed copies (unless date / time sensitive) must never interfere
with the expedited return of documents. All pages over 20 (as indicated above),
will be charged at .50¢
per page.
Faxing in General
~ Before faxing anything to my office, please do me a favor, offer me a quick
courtesy call so I have enough time to check the paper level, in the long run,
it could make both of us a little happier by reduce a potential problem.
ALL closing are
currently being done in ENGLISH only, therefore,
ALL
signing parties must be able to clearly understand the English language.
Unfortunately, in the event I’m sent to close a package where English is NOT
understood, the package will be returned unsigned, and you agree to have it
reassigned to another witness closer, and the same fee as an at the door closing
cancellation will be charged. UNDER THESE CIRCUMSTANCES, YOU AGREE TO RELEASE
AND HOLD HARMLESS ANY AND ALL RESPONSIBILITIES OF SIGNING AGENT (Notary Public).
Reading of Documents
~ Sorry, unless specific written arrangements are make at least 48 hours in
advance, I do NOT provide the service of reading a complete set of documents to
a client. Being Dyslexic myself, I would fall into the same category as they
would.
Both pricing plans (whether A or B, above) always
refer to the cost of each individual closing package.
In the event a loan rescinds,
a charge equal to 1/2 the amount regularly charged in PRICING ~ “PLAN
B”, regardless of current month’s selected plan will be charged. Our goal is
the same … we both want it to fund.
Extra effort when
you’re NOT around ~
In the event you have a late night closing, and both you and your lender where
unavailable to answer your customer’s concerns … I’ll make the extra effort to
write these concerns down and include them as the top page of your returned
package. NO CHARGE
Requirement of a
Second Witness ~
Generally a second witness is NOT required in the State of Florida. However, in
the event a second witness is required, but can NOT be provided, and “Signing
Agent” is given a heads-up with enough time (roughly 48 hours before closing),
“Signing Agent” will attempt to find a second witness. In the event, “Signing
Agent” accepts this package, and provides an additional witness for the closing,
an additional fee of $45.00 will be charged. When this applies; and to avoid
related charges, please refer to the second witness section of “Company
Responsibilities” (below).
Price changes ~
Before any and all price changes take effect,
you will receive an email notification. This notification will be sent out by
the 15th (fifteenth) of the month, and take effect on the 1st
(first) day of the proceeding month. CHANGES ON THE WEBSITE DO NOT
AUTOMATICALLY CONSTITUTE CHANGES TO YOUR “SERVICE AGREEMENT.” Neither
changes, nor revised updates will affect your selected pricing UNLESS either the
pricing has been reduced, or you have been sent an email notifying you that the
“Attachment – A” has been revised, and will affect next months pricing. In
event of these changes, you hereby further agree to download, print, execute,
and attach it in it’s entirety, the new “Attachment – A” to your “Service
Agreement.” If you have any problems doing this, please call me, and either
I’ll fax one to you, or if you prefer, send a new agreement package to you for
signature. In the event “Company” chooses to providing any future loan packages
in, or after, the month proceeding the month which the email notification was
sent from “Signing Agent” (as evidenced by either carbon or blind copied email
retained by Signing Agent) both parties as identified in separate Service
Agreement, agree that any and all changes, will constitute acceptance of any and
all changes and therefore become part of the “Service Agreement” as your new
“Attachment – A.” ANY DISCOUNT INCENTIVES
EARNED FOR NEXT MONTH WILL BE APPLIED TO THE NEW PRICING. (Please see “Discount
Incentives” for more info.) It is
recommended that you check
www.CentralFloridaNotary.com often for updates and changes as they apply.
COMPANY
RESPONSIBILITIES
IMPORTANT NOTE: Loan
Officers, Brokers, Lenders, Escrow and Title Companies assume all
responsibilities for informing all signing parties that they MUST have proper
Identification, usually a Drivers License, and Social Security Card ...
present at the closing in order to sign anything. Depending
on circumstances, a clear resemblance in the picture of the parties signing may
be taken, and thumb print affixed to the Notary’s Journal for all involved
signers (including witness(es)).*** YES, I’ll remind them of this when I call,
but they should already be aware of what to expect.
*** Although
this may sound a little extreme, mortgage business fraud in this country is said
to be approaching “epidemic” levels. The National Notary Association, and their
working efforts with the Assistant FBI Director Chris Swecker, who heads the
FBI's Criminal Division in Washington D.C., along with my Notary Appointment
standard as issued from the Governor’s Office … suggest every step of
due-diligence we can take towards curbing, reporting and prosecuting persons
involved in mortgage fraud is a step in the right direction in reducing the
five-fold increase in mortgage fraud over the past three years. So, with all
that said, I’m asking you to inform your client of what to expect when I get
there … it helps pave the way for a smooth closing.
In the
event, the lender has a second witness requirement, you
must inform your client that they either need to provide this person (who must
be at least 18 years of age and also have a recognized VALID PICTURE I.D.), or
you will ensure either the originating Loan Officer, or another representative
from your office will meet with me at the signing location, prior to the
appointment time before any documents can be signed. In the event a proper
witness is unavailable at the time of the appointment, and I have not received a
cancellation prior to my arrival, the signing will need to be rescheduled, and
the appointment will be treated like an at the door closing cancellation with
applicable fees charged.
Witness(es) CAN NOT have either
a financial interest in, nor be a party to the underlying transaction. In
Florida, there is nothing to prevent a notary from being a witness, UNLESS the
witness signature is also being notarized. A notary notarizing his/her own
signature is a criminal violation of notary law, if you the lender’s document(s)
require this, please make the appropriate arrangements.
Dates of
Notarization ~ To
most everyone this goes without saying, yet I must. Under NO CIRCUMSTANCES will
this ever deviate from the actual notarization date. To ask me to do otherwise
is asking me to commit fraud and will greatly endanger any, and or all, future
business relations between us. This type of request is unacceptable, and is
taken very seriously.
Normal Protocol For Setting An Appointment
~ Once I’ve accepted responsibility for doing a specific package, and received a
copy of same, the closing place and time are arranged. Normally I prefer to
call your client to set the place and time of closing. However in the event
your client has already requested a closing place and time, please notify me
immediately with a courtesy call. Of course, time permitting; I will always try
my best to accommodate your client’s request. To avoid any later confusion,
refer to “Late
Docs with Pre-scheduled Appointment” (above), to review how late docs will
effect pricing.
PLEASE NOTE: ALL closings will take
place in either their personal residence, their place of business, or at the
property location as identified in the 1003. TO AVOID POSSIBLE FRAUD THEY WILL
NEVER BE DONE AT PLACES LIKE COFFEE SHOPS, GAS STATIONS, PARKING LOTS, or any
other such location.
Detail of Assignment
~ After I’ve accepted your assignment, please email or fax a copy with the
clients name, address, available phone number(s), date and time of signing,
lender or title contact, loan or escrow number, and the address where the
documents will be shipped. I will immediately make contact with the borrower(s)
and return a call to you verifying contact and confirming date and time of
signing.
PACKAGE ROUTING
& INVOICING
Shipping packages
to me ~ Your
packages should be shipped using expedited overnight services and sent to 1162
Park Drive, Casselberry Florida 32707, emailed to
FloridaNotary@msn.com, or time
permitting, I’ll be happy to pick them up from a location within the 15-mile
radius of the 436 & 17/92 intersection in Casselberry Florida 32707.
When the loan
documents have been directly shipped to your client
~ In the event you, or your lender ship the package directly to your client,
please advise them to review all documents for proper spelling of name(s), and
have them inform you right away with any changes or questions. In the event
of changes don’t worry. As long as you can email the changes to me prior to
the appointment, and give me a call, we’ll be fine. I’ll just print them off
when I get there. Please also inform them in the interest of time that they
should fill out the “Statement of Information,” or other similar forms, PRIOR to
our appointment.
Invoicing
~ An itemized invoice for each package is usually mailed shortly after returning
the package, and due upon receipt. So we may properly track your
payments, with maybe 20 Smiths in the system, your invoice number recorded In
your check’s memo section of your check will ensure proper credit… please
make all checks PAYABLE TO: “Christopher J. Fairing – Mobile Notary Services.”
If you prefer to just record it by client’s name, please remit the bottom potion
of the invoice. For your convenience, you will also receive a
monthly breakdown, which is usually sent within the first few days of the
proceeding month. If for some reason you don’t receive it by the 10th,
please give me a call. Prompt payments will also ensure your closing request
are kept at the highest priority. Balances over 30 days from the date of
originally invoice, will accumulate at fifteen percent (15%) compound interest
per annum until paid. In the event the Company shall register an inquiry or
dispute concerning said charges, such inquiry or dispute shall be communicated
in writing within (30) days from the billing date of the original invoice or it
shall be conclusively waived.
THANK YOU FOR YOUR BUSINESS !!
LET'S DO BUSINESS
