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Overview of Documents

A notary is unable to provide legal advice or draft documents for a signer.  We do want to affirm that your signing into something you feel good about it! Here is a general overview of common documents that you may need notarized or come across during your document signing.

Common Documents Notarized

  • Grant Deed
  • Deed of Trust
  • Quitclaim Deed
  • Affidavit Death of Trustee
  • Subordination Agreement
  • Guaranty
  • Non-Profit & Charitable Documents
  • Revocable Living Trust
  • Certification of trust
  • Assignment of Personal Property
  • Durable Power of Attorney
  • Uniform Statutory Form Power of Attorney
  • Declaration of Trust

  • Adoption Paperwork
  • Advance Health Care Directive
  • Authorization for Use and Disclosure of Protected Health Information
  • HIPAA Waiver / Release
  • Acceptance of Appointment as Trustee
  • Assignment of Membership Interest
  • Assignment of Corporate Shares
  • Restated Amendment to Trust
  • Patent and Copyright Agreements
  • Sworn Statements & Affidavits
  • Apostille & International Paperwork
  • DMV Reg 227 Application for Duplicate Title
  • USPS Application for Delivery of my Mail Through Agent
  • Parental Consent and Permission to Travel
  • Certified Birth, Marriage, and Death, Diploma Certificates (Signer certifies by sworn statement)

Loan / Escrow Documents

Indicates if borrowers will occupy home as primary residence, or is purchasing a second home, or rental property.

This document may also have borrower affirm that financial status hasn’t changed.
This document indicates all the names that are associated with the signer(s). Typically these names generate from the credit report that was pulled concerning borrower. Signer usually signs for each variation.
A table of your monthly payments to the lender over the term of the loan. It breaks down the principal and interest breakdown for each payment. The interest portion of the payment is initially higher in the beginning. Towards the end of the schedule the majority of the payment goes toward principal.
This document is completed by the signer to include identifying information including social security number, address, date of birth and drivers license information.
The Certification of Trust or Trust Certification is a short document signed by the trustees of a trust that simply states their full trust’s essential terms and authorities without all the details.
The Closing Disclosure is a government instituted mandatory form that provides full disclosure of the costs, loan, rate, and terms within a loan transaction. It is provided continually throughout the process to provide full disclosure to the borrowers of loan terms in an easily identifiable way. By law, it is disclosed 3 days before documents are signed.
Signer or Borrower “complies” to allow the bank to correct or replace a page with any clerical or typographical errors. Possibly elated to a name address misspelled.
This document gives the bank a limited power of attorney to correct clerical errors for the processing of your documents. It indicates that it cannot change the terms of your loan.
A lien on the property that secures the promise to repay a loan. A security agreement between the lender and the buyer in which the property is collateral for the loan. The mortgage gives the lender the right to collect payment on the loan and to foreclose if the loan obligations are not met.
Borrowers/signers agree to allow the bank to correct any typographical mistakes. The borrower complies to work with the bank if necessary to correct the mistake.
Escrow Contract Agreements or Addendum are often found within atop the closing 
documents to satisfy the escrow’s contractual paperwork, transactional details between parties, and disclosure. You can differentiate documents escrow by an escrow logo or company header indicating escrow.
The Grant Deed is the document signed by the seller to grant over the home to the new buyer. This document is held by the escrow company until the home is paid for according to the terms of the contract. It is recorded with county. The seller or Grantor(s) further owns and grants property to new owner (Grantee). Typically in ARMS length transaction. Grantor also warrants full ownership interest to new owner.
The Interspousal Transfer Deed gives sole ownership of a shared property to one person in the marriage.
Lender’s closing instructions and conditions are loan document instructions for the drafting and processing of a successful loan transaction. These instructions include conditions from homeowner’s insurance, to paying off credit cards, to the need for exact signatures on the loan documents. These instructions help everyone in the process carry out the terms of the lender.
The Note is like an IOU from the borrower to the lender.  It is a written promise from the borrower to pay the bank back under the terms of the indicated (typically with interest over a period of time).

You typically find: Lender Name, Loan Amount, Interest Rate, First Payment Date, Loan terms, Length, Prepayment, and Late payment information.
The Riders are most often addendum to the deed of trust (or note) to indicate a variation or update within the general terms of the document it is attached to.   For example, a deed if trust may have a Planned Unit Development Rider (PUD) to show that the home falls within a homeowner’s association and is subject to its rules. The deed of trust riders are attached and recorded with the deed of trust.
With a Quitclaim Deed, the Grantor(s) conveys whatever interest they may or may not have to another individual, typically used in family situations or estate planning.
In some (not all) loan transactions the borrowers are given three business days to consider their decision after signing their loan documents. Within these three business days, they may cancel or rescind their decision to continue with the transaction. This “right to cancel” is most commonly found in a refinance on a borrower’s primary residence for the borrower.

Estate Plan Documents

The Certification of Trust or Trust Certification is a short document signed by the trustees of a trust that simply states their full trust’s essential terms and authorities without all the details.
The Grant Deed is the document signed by the seller to grant over the home to the new buyer. This document is held by the escrow company until the home is paid for according to the terms of the contract. It is recorded with county. The seller or Grantor(s) further owns and grants property to new owner (Grantee). Typically in ARMS length transaction. Grantor also warrants full ownership interest to new owner.

The Best Experience Ever

“We cannot tell the future. We can tell the future who we will be,
and how we will respond to it.”

Notary is not so much about us, so much as it is about you. At some point you will arrive at an important and pivotal moment. It may be difficult, it may be exciting, it may be creative and hopeful.

The signatures and fingerprints within our records have imagined and built the San Diego Skyline. They have created thriving communities worldwide in previously impoverished and hopeless places. They have built families and protected legacies.

We serve as an ambassador for people moving forward confidently in their decisions. We empower and protect their intentions. We are an adventure company as people make history, change the future, and stand tall in what they believe. These are people that are committed and all in.

This work is extremely important to us. We are genuine, proactive, and deliver excellence unto fulfillment. The moment we join together on a transaction, we ensure we provide our very best work for you. Long before we ever we meet, we are preparing, we are proof-checking the paperwork, we are planning an incredible experience without surprises. This means your appointments are swift and protected, We often finish your appointments minutes before they were ever scheduled. Your time and your plans matter to us. You’ve got places to be in this world.

We are not robots, we are real people that deliver a personable and incredible work. We’re on your team as you change your world! You have aligned with your integrity, and now you will leave your mark defining how you will be identified. You’re saying, “This is who I  am”. Learn how we can serve you with your transaction at sdsignings.com 

-Patrick Hall

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