|
If you are a title company, mortgage company, escrow service, an We will represent your company in a professional, friendly manner & can How does this benefit the borrower? By meeting the borrower at home, office or another convenient location
*Tip for the signers: Don't take time off work! Get your lender's loan documents, real estate deeds, powers of I am available: 24 hours a day, 7 days a week signing services I offer: I specialize in: Same day service. For same day service, please call To expedite the signing of any document, Clients/Borrowers will need: 1. Any one of the following Valid Identifications (providing they are •California Driver's License •California Identification Card •Two 3. Closing cost check if applicable, (check with Lender or Escrow Co.). 4. Have lender's phone number handy in case you have questions during 5. Please complete all forms except signatures and notarized areas. 6. Please review all documents for the correct spelling of names and FEES: Most loan signings are $125.00 or less.E-docs extra fee of $25.00 Mortgage Terms Abstract of Title - a historical summary provided by a title insurance Acceleration Clause -a provision in a mortgage enabling the lender to Adjustable-Rate Mortgage (ARM) -a mortgage with an interest rate that Alienation Clause -a provision stating that a mortgage loan must be paid Amortization -the gradual repayment of a mortgage loan by regular Annual Percentage Rate (APR) -a stated rate that reflects the entire Appraisal -a written estimate of the value of a property, made by a Appreciation -an increase in the value of a property, due to changes in Assessed Valuation -a value placed on property for the purpose of Assumable Mortgage -a mortgage that can be taken over by the buyer of a Balloon Payment Mortgage -usually a short-term mortgage with regular Beneficiary -the lender named on the mortgage note. Bi-weekly Mortgage -a type of mortgage in which payments equal to Blanket Mortgage -a mortgage covering multiple properties. Bridge Financing -an interim loan, made when a borrower needs additional Broker -see Mortgage Broker. Buydown -a temporary reduction in an interest rate made by paying a lump Caps -limits on the amount of interest or payments on an adjustable-rate Certificate of Eligibility -a certificate obtained by a veteran from a Certificate of Reasonable Value (CRV) -an appraisal of property required Chattel -personal property. Closing -also known as settlement. The meeting at which the sale of a Closing Agent -a neutral third party, usually an escrow company, title Closing Costs -expenses related to obtaining a loan. These normally Cloud on Title -any fact or condition that could negatively impact upon Commission -a fee paid to a broker or salesperson for facilitating a Comparables -also known as "comps." Properties of similar size, Conditional Commitment -a lender's promise to issue a loan subject to Conditional Offer -purchase offer in which the buyer proposes to Conforming Loan -a mortgage that conforms to rules established by Construction Loan -short-term financing obtained for construction of a Debt-to-Income Ratio -the ratio of a borrower's monthly payment Deed -the legal document conveying title to a property. Deed of Trust -a document, used in some states, given by the borrower to Default -failure to make mortgage payments or violations other Discount Points -a type of point paid by the borrower that reduces the Down Payment -the lump sum paid to the seller when the property is Earnest Money -a cash deposit paid by the buyer during negotiations to Equity -the difference between the fair market value of the property and Escrow -usually refers to an account set up by the lender in which money Escrow Payment -the portion homeowner's monthly payment held in trust by Fannie Mae -nickname for the Federal National Mortgage Association Federal Housing Administration (FHA) -an agency of the U.S. Department Federal Reserve Bank -the regulatory agency that sets monetary policy Fiduciary -an entity, such as a real estate broker or mortgage broker, First Mortgage -a mortgage that is the primary lien against a property. Foreclosure -a legal process in which a homeowner in default on a Freddie Mac -nickname for the Federal Home Loan Mortgage Corporation Ginnie Mae -nickname for the Government National Mortgage Association Good Faith Estimate -a written disclosure of costs provided by a lender Hazard Insurance -insurance on a property against fire and other natural Homeowner's Fees (Association Fees) -payments made by the owners of a Homeowner's Insurance -a policy that combines personal liability Housing and Urban Development (HUD) -the federal government agency that HUD 1 -a closing document required by HUD that outlines the settlement Hybrid Mortgage -a mortgage with a one-time rate adjustment after a Impound Account -an account held by a lender for payment of taxes, Index -a public measure of current interest rate levels used by lenders Insured Mortgage -a mortgage insured against loss to the mortgagee in Interest Rate -the percentage added to a loan that covers the lenders' Interest Payment Notification (1098) -a federal tax form (1098) used to Joint Tenancy -an interest in property taken by two or more joint Jumbo Mortgage -a mortgage that does not conform to the limits set forth Junior Mortgage -a mortgage subordinate to another mortgage. An example Land Contract - an installment plan for buying a house, used as an Late Charge -a penalty assessed for failure to make a payment on time. Lease with Option to Purchase -a lease in which the monthly rent payment Lien -a legal claim by one party on the property of another party. In a Lis Pendens -a notice that a legal dispute exists over a property. Listing Agreement -an agreement between a property owner and a real Loan Officer -a qualified individual who helps borrowers through the Loan-to-Value Ratio (LTV) -the ratio of the mortgage loan amount to the Margin -the number of percentage points the lender adds to the index Maturity -the date on which the principal balance of a loan becomes due Mortgage -a lien or claim against real property given as security for a Mortgage Banker -financial intermediaries that orginate mortgage loans Mortgage Broker -a company or individual who assists borrowers in Mortgage Insurance -insurance that may be required by the lender for a Negative Amortization -a gradual increase in a mortgage debt that occurs Note -the document outlining the amount of the debt, the terms and Origination Fee -a fee paid to a lender for processing a loan Owner Financing -a note carried all or in part by an owner selling a Owner's Interest -see Equity. PITI -Principal, Interest, Taxes, and Insurance. These are the four Planned Unit Development (PUD) -a type of real estate development that Points -prepaid interest equal to one percent of a mortgage loan. Principal -the amount of debt, not including interest, on a loan. Pre-Qualification -an initial evaluation by a lender of a borrower's Private Mortgage Insurance (PMI) -usually required by a lender if the Quit-Claim Deed -a legal document by which a claim on property is Rate Lock -also known as a lock-in. A guarantee from a lender that a Real Estate -also known as real property. Land and anything permanently Real Estate Agent -a licensed individual, designated to act on the Recourse -the right of the holder of a note secured by a mortgage or Redlining -the practice of refusing to provide loans or insurance in a Refinancing -securing a new loan that pays off the current mortgage(s), Release -an instrument releasing property from the lien of the mortgage, RESPA (Real Estate Settlement Procedures Act) -federal regulations that Restrictive Covenant -a clause in a deed that restricts the use of Reverse Mortgage -a special program for the elderly that provides income Rural Housing Service (RHS) -an agency of the U.S. Department of Second Mortgage -a mortgage that has a lien position behind (is Secondary Market -the buying and selling of existing mortgages by Secondary Market Investor -an entity, such as FNMA or FHLMC, that buys Servicer -the entity that collects payments and manages escrow accounts Settlement -see closing. Subprime -credit that is less-than-perfect. This may include late or Tax Lien -lien imposed for non-payment of taxes. Time is of the Essence -legal phrase in a contract meaning that punctual Title -a legal document designating ownership of a property. Title Binder -written evidence of temporary title insurance coverage. Title Insurance -an insurance policy that protects the insured Treasury Index -see index. Truth-in-Lending -a federal law that requires lenders to disclose, in Underwriter -the person or company that actually decides whether or not VA Mortgage -a loan guaranteed by the Department of Veterans Affairs. Wrap-Around Mortgage -a mortgage that includes the remaining balance
Links: |
|
|
|
Apostile Services offered by a mobile notary public company in San Francisco and Bay Area: Apostilles (Hague Convention) We will travel to local and state government offices on your behalf and get the Apostile done We specialize in Apostille Certification (Authentication of documents for international use). The Apostille, is a French word meaning certification. It is an instrument that many governments, foreign and domestic, use to certify that a document is genuine. It is the legalization of a document for international use under the terms of the 1961 Hague Convention. Countries around the world are adopting this validation procedure for its simplicity and worldwide acceptance. As a result of globalization, worldwide trade, and the internet the need for proper international documentation and application of an “apostille” are becoming much more prevalent in everyday life. Our clients trust us with the “apostilling” of their valuable documents because of our document processing experience, turnaround time, superior customer service and document insurance.
We believe our apostille service is the fastest and most professional available. Our Clients include banks, financial service firms, brokerages, law firms, immigration attorneys, schools, colleges and universities and individuals. Our service saves both a tremendous amount of time and money and probably as important peace of mind knowing that vital documents are being properly prepared for international use by professionals. To determine the specific requirements for your document to either be Apostilled or Legalized as well as the associated fees give us a call. Since our inception, DianaNotary has processed thousands of apostilles all over the world. Some of the countries for which we processed apostles: Albania, Argentina, Australia, Austria, Belarus, Belgium, Bosnia and Herzegovina, Brazil, Bulgaria, Canada, Chile, China, People's Republic of, Croatia, Cyprus, Czech Republic, Denmark, Ecuador, Egypt, Estonia, European Union, Finland, France, Georgia, Germany, Greece, Hungary, Iceland, India, Ireland, Israel, Italy, Japan, Jordan, Korea, Republic of, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Monaco, Montenegro, Morocco, Netherlands, New Zealand, Norway, Panama, Paraguay, Peru, Poland, Portugal, Romania, Russian Federation, Serbia , Slovakia, Slovenia, South Africa, Spain, Sri Lanka, Suriname, Sweden, Switzerland, The former Yugoslav Republic of Macedonia, Turkey, Ukraine, United Kingdom of Great Britain and Northern Ireland, United States of America (all 50 states!), Uruguay, Venezuela, etc. Our experience includes but is not limited to the following document types: Academic Transcripts, Adoption Documents, Affidavits, Agreements, Assignments, Baptism and Confirmation Certificates, Bills of Sale, Certificate of Origin, Certificates of Incorporation, Certificates of Good Standing, Certified Copies Commercial Contracts, Corporate Documents, Court Judgments, Deeds and Titles, Diplomas, Invoices, Identity Documents, Letters of Intent, Letters of Invitation, Naturalization Documents, Notary Oaths, Passports, Power of Attorney, Trademarks and Patents, Vital Records including Birth, Death, Marriage, Paternity, and Divorce certificates, Wills etc., etc., etc., To schedule an appointment, please call: 415-994-4121 or email us
|
|
Do you need a legal form?
*WHAT IS A LEGAL DOCUMENT ASSISTANT? A Legal Document Assistant (LDA) is an experienced professional who is authorized under California Law to prepare legal documents for con¬sumers. However, an LDA is not an attorney and cannot provide legal advice or represent individuals in court. All available legal forms for California: Marital and Family Authorization for Foreign Travel with Minor Power of Attorney Forms Power of Attorney (General) Agreement to Sell Business Landlord/Tenant - Lessor/Lessee Agreements Agreement to Lease (Residential Lease) Affidavit (General) HIPAA Authorization & Waiver Legal Documents in Russian Language
Жилье
|
Notary | Loan Signing|Translations |Apostile | Contact Us| Documents