There has been some conversation lately on the internet regarding loan packages that contain a form for the notary to complete and sign. On these various forms the lender is asking the notary to complete information about themselves, sign it and apply their stamp to it. The excuse is that they want to have you prove your are a commissioned notary even though your stamp/seal is all over the documents!
This is a NO NO! In most, if not all states, it is illegal for you to apply your stamp/seal to any document which you are not actually acknowledging. If the borrower is signing the document and there is no place for you to sign, then there is no Acknowledgment required. The only variance here would if there is a notation for you to attach a separate acknowledgement to the document.
If the document requires your signature, but not the borrowers, then there is no acknowledgement. You cannot notarize your own signature.
If the document requires both your signature and the borrower’s then you will most like be completing a certificate, either an Acknowledgment or a Jurat, and your stamp must be applied here.
When you are faced with one of those documents that ask for or require your stamp, just write a little note stating: “It is illegal for me to use my stamp/seal on anything other than a certificate”. This should take care of the situation.
If you have a lender who does not require a copy of the borrower’s identification, but is looking for verification that you properly identified them, you can do the following: Take a copy of the borrower’s identification, have the borrower state that it is a true copy of their identification, have them sign the copy and you can then notarize their signatures. This should satisfy the lender.
OH the weird things we as signing agents face!