Welcome to Notary By K. We are a prompt, professional and reliable mobile notary service serving Charlotte, North Carolina and surrounding counties. We provide mobile loan signing services for residential mortgages and other types of loans. We work with banks, title insurance companies, direct lenders, attorneys and other professional service providers. Our certified loan-signing agents are qualified professionals with knowledge of real estate, mortgage documents, and title insurance packages. We also offer notarial services for various legal documents such as affidavits, powers of attorney, and wills and trusts. We know your time is valuable. With a busy schedule, traffic jams and rising gas prices, having a Notary come to you to sign and notarize your documents is the best way to go! Whether it’s your home or office, law firm or courthouse, or even at your favorite restaurant, we’ll be there.
Do you have mortgage loan documents you need to have signed and notarized but don’t have time to travel to the title company during business hours? We provide loan signing services at your location. We understand the entire process and very familiar with all of the key documents in the loan package, including estimate closing cost statement, note, truth in lending disclosure, deed of trust and escrow/impound account disclosure and which documents require notarization. For a professional and reliable certified loan signing agent, call us for your next loan signing appointment in Charlotte and surrounding counties and we’ll travel to your home, office or any other convenient location that’s convenient for you.
A Notary signing agent is a Notary who is specially trained to handle and notarize loan documents. For lenders, Notary signing agents are the critical final link to complete the loan. A Notary signing agent is hired as an independent contractor to ensure that real estate loan documents are executed by the borrower, notarized, and returned for processing on time. Completing this critical part of the loan process enables the loan to be funded.
Please contact us directly with any questions, comments, or scheduling inquiries you may have.
Phone: (704) 559-9468
Open today | 08:00 am – 08:00 pm |
Over the years that we’ve been providing our notary services, we’ve come across many questions from our clients. We’ve aggregated the frequently asked questions below for your reference. Should you have any questions that are not answered below, please contact us at krandolph@notarybyk.com.
A notary public is a public officer constituted by law to serve the public in non-contentious matters typically concerned with powers-of-attorney, estates, foreign and international business and deeds. The main purpose of a notary public is to verify identity and reduce the probability of fraud. The primary role of a notary public is to serve the public as an impartial witness when important documents are signed. In the United States, a notary public is appointed by a state government. In North Carolina’s case this is the Secretary of State. The North Carolina Secretary of State is responsible for appointing and commissioning qualified persons as notaries public for four-year terms.
A mobile notary travels to your location. If a person is immobile i.e. in a hospital, rehabilitation or convalescent home, they cannot travel to a notarial location. In addition, on some occasions multiple people need to meet at one particular place or a person may wish to have a document notarized in the privacy of their home. A mobile notary can assist in these situations.
A Notary signing agent is a Notary who is specially trained to handle and notarize loan documents. For lenders, Notary Signing Agents are the critical final link to complete the loan. A Notary Signing Agent is hired as an independent contractor to ensure that real estate loan documents are executed by the borrower, notarized and returned for processing on time. Completing this critical part of the loan process enables the loan to be funded.
We will come to you at any place that is most convenient for you. This can be your home or office, a restaurant, a nursing facility, hospital, airport or federal, state or county building. We primarily offer this extensive coverage in and around Charlotte and the surrounding counties.
Our normal business hours are as follows:
Note: We offer services outside of these normal business hours for an additional service fee.
Any one of the following valid Identifications (providing they are current) are acceptable:
There are so many types of documents that could need notarizing. Below, we have compiled a list of the ones we most frequently process. If you have any questions about them, or if you are unsure about whether your document needs to be notarized or not, feel free to give us a call and we’ll be more than happy to help out.
A notary public CAN DO:
A notary public CANNOT DO:
The responsibilities of a notary are limited. For example, a notary is not allowed to prepare legal documents or offer legal advice about a particular document (unless he or she is also an attorney). A notary public in most of the United States and Canada has limited powers than those of civil-law or other common-law notaries, both of whom are qualified lawyers admitted to the bar: such notaries may be referred to as notaries-at-law or lawyer notaries. In common law, notarial service is distinct from the practice of law, and giving legal advice and preparing legal instruments is forbidden to notaries such as those appointed throughout most of the United States of America.
Acknowledgments
The purpose of an acknowledgment is to ensure that the signer of a document is who they claim to be and has voluntarily signed the document. Acknowledgments often are needed for documents concerning valuable assets, such as deeds, mortgages and deeds of trust. To perform an acknowledgment, the signer must personally appear before a Notary at the time of notarization to be positively identified and to declare — or “acknowledge” — that the signature on the document is their own and that they signed willingly. While it is common practice for the signer to sign the document in front of the Notary at the time of the notarization, it is not necessary. The signer may sign the document before bringing it to the Notary and declare — or acknowledge — to the Notary that the signature on the document is theirs.
Jurats
The purpose of a jurat is for a signer to swear or affirm that the contents of a document are true. Depending on the jurisdiction, it also can be known as an affidavit or a verification on oath or affirmation. For a jurat, the signer must personally appear before the Notary and sign the document in the Notary's presence. The Notary must then administer an oath or affirmation and have the signer speak aloud his or her promise that the statements in the document are true. The choice between an oath or affirmation should be made by the signer. Administering the oath or affirmation is a vital part of performing a jurat or verification because the signer is affirming that the contents of the document are true, and he or she may be prosecuted for perjury if the contents are not true.
Oaths/Affirmations
In some cases, an individual may simply need a Notary to administer an oath or affirmation orally, rather than as part of a jurat, affidavit or other written document. The purpose of administering a verbal oath or affirmation is, again, to compel a person to truthfulness. An oath is a solemn pledge to a supreme being. An affirmation is a solemn pledge on the individual’s personal honor. Again, the choice should be made by the signer.
Signature Witnessing
A number of states authorize Notaries to perform a signature witnessing. With this notarial act, the Notary certifies that the individual appearing before the Notary is who he or she claims to be, and the signature on the record is the signature of the individual before the Notary. The main difference between a signature witnessing and an acknowledgment is that the Notary witness the document being signed. The main difference between a signature witnessing and a jurat, affidavit, or verification upon oath or affirmation is that, with a signature witnessing, the Notary does not administer an oath.
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