Whether you’re buying a home, establishing a power of attorney, or finalizing important business documents, you’ll likely need the services of a notary public. But what exactly does a notary do, and how do you find the right one for your needs? This comprehensive guide will walk you through everything you need to know about hiring a notary public.
What Is a Notary Public?
A notary public is an official appointed by the state government to serve as an impartial witness in performing a variety of official fraud-deterrent acts related to the signing of important documents. These acts are called notarizations or notarial acts. Notaries are public officers who verify the identity of signers, ensure they are signing documents willingly and under no duress, and witness the signing of important documents.
The primary role of a notary is to deter fraud and ensure that the person signing a document is who they claim to be. This seemingly simple act carries significant legal weight and provides an additional layer of protection in important transactions.
When Do You Need a Notary Public?
You might need a notary public for various situations, including real estate transactions such as property deeds, mortgage documents, and lease agreements. Legal documents like powers of attorney, living wills, and trusts also require notarization. Business documents including contracts, affidavits, and corporate bylaws often need a notary’s seal.
Financial documents such as loan agreements and vehicle title transfers typically require notarization as well. Even some personal documents like passport applications and parental consent forms may need to be notarized.
Types of Notary Services
Traditional notaries work from a fixed location, often in banks, law offices, or shipping stores. Mobile notaries travel to your location for convenience, whether that’s your home, office, or hospital. Remote Online Notaries (RON) conduct notarizations via secure video conferencing, which has become increasingly popular in recent years.
Each type has its advantages depending on your situation, schedule, and the urgency of your needs.
How to Find a Qualified Notary Public
Finding a notary is easier than you might think. Many banks and credit unions offer free notary services to their customers. Shipping and business service stores like UPS Store or FedEx Office typically have notaries on staff. Law offices and real estate agencies usually have notaries available, though they may charge a fee.
You can also check your local government offices, as many city halls and courthouses offer notary services. Online directories and apps make it simple to find mobile notaries or remote online notaries in your area.
Questions to Ask Before Hiring
Before you hire a notary, make sure to ask about their commission status and whether they’re currently commissioned in your state. Inquire about their fees, as rates can vary significantly. Ask about their availability and whether they offer mobile or after-hours services.
It’s also important to know what identification they require and what types of documents they can notarize. Some notaries specialize in certain types of documents, so confirming they can handle your specific needs is crucial.
What to Bring to Your Notary Appointment
Preparation is key for a smooth notarization. Always bring a valid, government-issued photo ID such as a driver’s license, passport, or state ID card. Bring all documents that need to be notarized, but don’t sign them beforehand – you must sign in the presence of the notary.
Have any supporting documents that might be needed, and bring all parties who need to sign. If anyone is signing on behalf of someone else, bring the necessary authorization documents.
Understanding Notary Fees
Notary fees are regulated by state law and vary by location. Traditional notary services typically cost between five and fifteen dollars per signature or notarial act. Mobile notaries charge more due to travel, usually ranging from twenty-five to one hundred dollars depending on distance and time.
Remote online notarization fees generally fall between twenty-five and fifty dollars per session. Always confirm the total cost before proceeding with the service.
Red Flags to Watch Out For
Be cautious of notaries who are willing to notarize a document without seeing you sign it in person, unless it’s a proper remote online notarization. Avoid notaries who refuse to check your identification or who pressure you to sign a document.
A notary should never advise you on the contents of a document or offer legal advice – that’s outside their scope of practice. If they don’t have a current notary commission or seal, find someone else.
The Future of Notary Services
The notary industry is evolving rapidly with technology. Remote online notarization is becoming more widely accepted and legal in most states. Blockchain-based notarization systems are being explored for added security and verification. Digital identity verification methods are making the process faster and more secure.
These innovations are making notary services more accessible while maintaining the crucial security and fraud prevention functions that notaries provide.
Making the Right Choice
Hiring a notary public doesn’t have to be complicated. By understanding what notaries do, knowing when you need one, and asking the right questions, you can ensure your important documents are properly notarized. Whether you choose a traditional notary at your bank, a mobile notary who comes to you, or a remote online notary, the key is finding a professional who is properly commissioned, experienced, and trustworthy.
Remember, a notary’s signature and seal on your document provides legal protection and peace of mind. Take the time to find the right notary for your needs, and your important transactions will proceed smoothly and securely.