www.DianaNotary.com
Notary Public Services since 2003
(415)994-4121 or (650) 296-5476
|
Mobile Notary Public Services provided everywhere within San Francisco and San Mateo Counties. We will come to your house, office, café, hospital or any other agreed upon location. Fees
Any one of the following Valid Identifications (providing they are current) are acceptable:
***Please be advised that I am not an Attorney and therefore can not give you any legal advice. General Notarizations:
DianaNotary was founded in September of 2003. Our company provides notary and related services to clients throughout San Francisco and Bay Area. We were one of the first companies to provide mobile notary public services about 8 years ago, and since that time we have developed a loyal clientele following from both corporate and individual clients. Our success is based upon our proven track record of availability, professionalism and dedication to providing exceptional notary services. Building relationships and repeat customers is our goal. After using our services for the first time, most organizations and people become long term clients. Or if a one time notarization is all you need, we are there for you as well. Our notary services go beyond simple notarizations to include: Loan Signings, Apostille Processing, Certified Translations and Registered Legal Document Assistance At Diana Notary Service, our motto is:24-7-365-anytime-anywhere-everytime We provide all of our clients, when asked, with our California Notary Commission, and Notary Errors and Omissions Insurance Policy Number. This will increase your comfort level knowing you are in good hands, for your document processing needs. Over the years, we have traveled to all types of locations and assisted all types of people with all types of notary documents. We operate with total discretion and have the utmost respect for our clients privacy and the sensitive nature of the documents we notarize. We go anywhere from movie sets to doctor;s offices, hotel rooms, boardrooms, attorneys offices, apartments, hospitals, and schools just to name a few. Oftentimes, the particulars of the documents being notarized require a special demeanor on the part of the notary. These include wills, adoptions, contracts, mortgage paperwork etc.; We always arrive in suit and tie, with a friendly and pleasant disposition hoping to be of assistance. We continue to innovate and expand our notary ;product line; to meet the growing needs for the assurance Notarized documents provide. We are the Diana Mobile Notary Service. Why the Mobile? Now, with the increasing demand for expensive insurance, record keeping requirements, and the growing complexity of the California notary public laws and procedures its a full time job to keep up;. In the hectic and fast paced environment of California it is often difficult and time consuming to find a California Notary Public when you need one. We are a traveling Notary Public company who are available 24 hours a day 7 days a week. We will come to YOUR location, by appointment, so your access to Notary services can be scheduled in advance and it is no longer difficult and time consuming to find a Notary Public when you need one. birth/death General Questions What is a Notary Public? A Notary Public is a public servant appointed by state government to witness the signing of important documents and administer oaths. Why are documents notarized? Documents are notarized to deter fraud and to ensure they are properly executed. An impartial witness (the Notary) identifies signers to screen out impostors and to make sure they have entered into agreements knowingly and willingly. What if I smear my seal on the document? If there is room, affix a second impression nearby. It is not necessary to cross out the original seal impression or write an explanation on the document; the reason for the second impression will be obvious. If there is no room for a second impression, attach a separate certificate with the same wording, signature and a clear seal impression. Line through the original notarial wording and draw a line specifically through your seal and signature. Near the old certificate wording, write quot;See Attached Certificate.quot; Can I notarize for a family member? Most state laws do not expressly prohibit notarizing for a relative. However, Notaries who do so in many instances will violate statutes prohibiting a direct beneficial interest. For instance, if a Notary is asked to witness her husband's signature on a loan document for the purchase of a home they will share, she will directly benefit from the transaction and should disqualify herself. The likelihood of a direct beneficial interest is usually greater with immediate family members -- spouse, mother, father, son, daughter, sister or brother -- than with non-immediate, such as in-laws, cousins, nieces, nephews, aunts and uncles. The matter of interest in an inheritance is more often a consideration with lineal descendants (children, grandchildren, etc.) and ascendants (parents, grandparents, etc.) than with nonlinear relatives. In many instances, a Notary will have no beneficial interest in notarizing for a relative and will not be prevented by law from doing so. However, to avoid later questioning of the Notary's impartiality, as well as accusations of undue influence, it is always safest for a signer to find a Notary who is not related. What is an apostille? An apostille is a certificate issued by the Secretary of State or other Notary regulating agency that proves the authenticity of a Notary's signature and seal. An apostille alone is sufficient proof of authentication for notarized documents exchanged between countries which abide by the Hague Convention; otherwise a chain of authenticating certificates may be necessary. Corrections Can I send an unattached, completed acknowledgment certificate to a title company to correct an error? A Notary must never give or mail a signed and sealed notarial certificate to another person and trust that person to attach it to a particular document. This would be an all but indefensible action in a civil court of law should the certificate be fraudulently or mistakenly attached to another document. How do I correct a name that has been misspelled on the document and on the notarial certificate? Only the document signer has authority to make any changes on the document; likewise, only a Notary can correct the certificate. When you are correcting a notarial certificate simply line through the mistake with ink, write the correction above or beside, initial and date the correction. Dealing with Documents Can I certify a copy of a birth or death certificate? A Notary should not certify a copy of a birth or death certificate. Refer the person instead to the state Bureau of Vital Statistics or county clerk's office in the county where the birth occurred. For foreign birth certificates, refer the person to the consulate of the country of origin. Depending on state law, the Notary may be allowed to certify copies of other documents that are in the possession of the constituent (i.e., a diploma). Can I certify a copy of a passport or a driver's license? A Notary may certify the copy if law permits Notary-certified copies. An alternative in states not authorizing Notary-certified copies, is to perform a quot;copy certification by document custodian,quot; whereby the holder of the original document certifies the copy in a written statement, and the Notary executes a jurat underneath the signed statement. Can I notarize an undated document? If there is a space for a date it should be filled in with the correct date or lined through by the document signer. If the document simply doesn't have a date, it is acceptable to notarize it and record in your journal that the document has no date. Can I notarize a document in which I am named? No. A Notary cannot notarize if he or she has a direct financial or beneficial interest in a transaction. Being named in a document means that the Notary has an interest and cannot act as an impartial party. Can I notarize a fax or a photocopy? A photocopy or fax may be notarized, but only if it bears an original signature. That is, the copy must have been signed with pen and ink. A photocopied or faxed signature may never be notarized. Note that some public recorders will not accept notarized signatures on photocopied or faxed sheets because they will not adequately reproduce in microfilming. Also, if the document has been faxed on glossy fax paper, a copy should be made on bond paper and that copy then signed and notarized, as wording on glossy fax paper often fades. When carbon copies are made, the Notary will sometimes be asked to conform rather than to notarize the copies. To conform a copy, the Notary must reaffix the official seal on the copy (carbon will not readily transfer a seal impression) and write quot;Conformed Copyquot; prominently across the copy. Can I notarize a will? The Notary should not proceed in notarizing a will unless clear instructions and notarial wording are provided, ideally by an attorney. Wills are such sensitive and important documents that there are certain dangers for Notaries involved with them. Some holographic (handwritten) wills may be invalidated by notarization. And Notaries who make the mistake of helping prepare a will may be sued by would-be or dissatisfied heirs. Often, misguided individuals will prepare their own wills and bring them to Notaries to have them quot;legalized.quot; They will depend on the Notaries to know what kind of notarial act is appropriate. Of course, Notaries have no authority to offer such advice. And, whether notarized or not, these supposed quot;willsquot; may be worthless. In many states, notarization of a will is rarely done and is unnecessary if other witnessing procedures are used. In other states, wills don't need to be notarized at all. Often, it is not the signature of the testator or testatrix (maker of the will) that must be notarized, but the signatures of witnesses on affidavits appended to the will. Can I notarize a document with blank spaces? This is prohibited by law in several states. Even if not addressed in statute, a prudent Notary should skim the document for blanks and ask the document signer to fill them in. If they are intended to be left blank, then the signer can line through them or write N/A. Does a document have to be signed in my presence? No and yes. In most states, documents requiring acknowledgments do not need to be signed in the Notary's presence. However, the signer must appear before the Notary at the time of notarization to acknowledge that he or she freely signed for the purposes stated in the document. An acknowledgment certificate indicates that the signer personally appeared before the Notary, was identified by the Notary, and acknowledged to the Notary that the document was freely signed. On the other hand, documents requiring a jurat must indeed be signed in the Notary's presence, as dictated by the typical jurat wording, quot;Subscribed (signed) and sworn to before me...quot; In executing a jurat, a Notary guarantees that the signer: personally appeared before the Notary, was given an oath or affirmation by the Notary, and signed in the Notary's presence. In addition, even though it may not be a statutory requirement that the Notary positively identify a signer for a jurat, it is always a good idea to do so. Identification Can I notarize for a stranger with no identification? Although identification laws vary by state, in most cases when a document signer is not personally known to the Notary and is not able to present reliable identification documents, that signer can be identified on the oath or affirmation of a credible identifying witness. In most states, the word of a credible identifying witness is satisfactory evidence of identity and equivalent to personal knowledge. A credible identifying witness, often called simply a credible witness, is like a human ID card who identifies the document signer. The credible identifying witness must personally know the document signer and must also be personally known by the Notary. This establishes a chain of personal knowledge connecting the Notary with the signer. For example, if a stranger without satisfactory identification requests a notarization, the Notary need not turn this person away if the Notary has a friend present who personally knows the individual. The friend could serve as a credible identifying witness. By definition, a credible identifying witness is a believable person. Credible identifying witnesses should be honest, aware and impartial to the matter at hand. This means that the credible identifying witness should neither have a financial interest in a notarized document nor be named in it Journal Entries I had a call requesting a photocopy of my journal entry. Do I have to comply? In general, Notary journals are considered public records. However, it is a good idea to require that particular information about any requested entry be provided before showing or copying it. In some states, for example, the requesting party may be required to submit a written request stating the month and year of the notarization, the names of the parties, and the type of document notarized. Once the request has been made, a photocopy of only the line item entry requested is given. Notarial Certificates May I complete certificate wording in blue ink or do I have to use black? The Notary should use a dark colored ink such as blue or black. In rare cases, some receiving agencies may require the certificate to be filled out in a particular color; if so, the Notary may comply. Can I list two signers on one notarial certificate? If two signers appear before the Notary at the same time, the names may appear on the same certificate. Because it is two separate notarizations, two entries must be made in the journal. The venue is completed with the wrong state and county. My signer says I can't change it. What do I do? The document shouldn't be notarized if the Notary isn't allowed to correct the wording. The venue is part of the notarial certificate, and regardless of the type of notarization, its accuracy is the Notary's responsibility. Because the venue is supposed to indicate where the notarization was performed, if it has already been completed incorrectly, it may be corrected by lining through the error, making the correction and initialing the change. Notarial Services and Fees Can I limit my notarial services to customers? To people I know personally? To business associates? As public officials, Notaries must serve anyone who makes a lawful or reasonable request for notarization. Some states make certain provisions to limit notarial services to transactions related to the place of employment, however these provisions do not allow the Notary to refuse services based on the status of the signer. I have been given duplicate copies of a document, each to be notarized as an original. What fees do I charge? You may charge for each original signature that you notarize, even if they are on identical documents. Refer to the statutory schedule of fees for your state to determine the maximum fee per signature. The California Secretary of State provides authentication of public official signatures on documents to be used outside the United States of America. The country of destination determines whether the authentication is an Apostille or Certification. Apostilles and certifications only certify to the authenticity of the signature of the official who signed the document, the capacity in which that official acted, and when appropriate, the identity of the seal or stamp which the document bears. The apostille or certification does not validate the contents of the document. 8226;The California Secretary of State only authenticates signatures on documents issued in the State of California signed by a notary public or the following public officials and their deputies: County Clerks or Recorders Court Administrators of the Superior Court Executive Clerks of the Superior Court Officers whose authority is not limited to any particular county Executive Officers of the Superior Court Judges of the Superior Court State Officials 8226;Some examples of documents submitted for signature authentication are: Birth Certificates Bylaws Certificates of Non-Marital Status Corporate documents such as articles, mergers, amendments, etc. Deeds of Assignment Distributorship Agreements Marriage Licenses Papers for adoption purposes Powers of Attorney School records such as diplomas, transcripts, letters relating to degrees, etc. References and Job Certification Trademarks 8226;Documents submitted to the Secretary of State for signature authentication must have a current certification date by the appropriate public official or their deputy or must be notarized by a California Notary Public. Customers requiring authentication of any school records (e.g., transcript or diploma) must obtain a notarized copy of the record from the high school, university, etc., before submitting the documents for authentication. Any document executed by County Health Officers and County Local Registrars can be authenticated only if the document is first certified by the county clerk/recorder. Note: The Secretary of State's regional office, located in Los Angeles, only authenticates public official signatures. Notary public signatures must be certified by the county clerk/recorder (on the notary public stamp) before submitting the document to the regional office for authentication. The regional office only processes documents dropped off in person. 8226;To avoid delays that may result from out-of-date documents, a document certified by a county official (e.g. county clerk) should have a certification date within the last five years or a new certified copy should be obtained from the appropriate county official. 8226;The customer must identify the country of destination when the documents are submitted to the Secretary of State. If documents are submitted by mail to the Sacramento office, a letter identifying the country of destination must accompany the documents. To facilitate the processing of documents submitted by mail, please include a self-addressed envelope. 8226;Documents can be dropped off in person to the Sacramento office or to the Los Angeles regional office for processing between the hours of 8:00 a.m. and 4:30 p.m., Monday through Friday (excluding holidays) or can be mailed to the Sacramento office. Note: The Los Angeles regional office only processes documents dropped off in person. Please refer to Contact Information for office locations and mailing address. 8226;When dropping off documents in person to any of our offices for processing, no appointment is necessary. Customers are served on a quot;first come first servequot; basis. 8226;There is a 0.00 processing fee (per signature authenticated) and a $6.00 special handling fee (per public official for documents submitted over the counter). Payments for documents submitted: by mail to Sacramento can be made by check or money order; dropped off in person in Sacramento can be made by check, money order, cash, or credit card (Visa or MasterCard); or dropped off in person in Los Angeles can be made by check, money order, or credit card (Visa or MasterCard). The Los Angeles regional office is not able to accept cash. Checks or money orders should be made payable to the Secretary of State. Important Information In 1961 many nations joined together to create a simplified method of quot;legalizingquot; documents for universal recognition in each other's countries. Members of the conference, referred to as the Hague Convention Abolishing the Requirement for Legalization of Foreign Public Documents (33 U.S.T 883), adopted a document referred to as an Apostille that would be recognized by all member nations. Documents sent to member nations, completed with an Apostille at the state level, may be submitted directly to the member nation without further action. Documents sent to non-member nations requiring a Certification of the signature of the state's public official at the state level, will need to be transmitted to the Office of Authentications of the U.S. Department of State in Washington, D.C. for the authentication of the State Official's signature if requested by the receiving country. Alamo Square Bayview Bernal Heights Castro/Upper Market Chinatown Cole Valley Crocker Amazon Diamond Heights Dogpatch Downtown/Civic Center Duboce Triangle Excelsior Financial District Glen Park Golden Gate Park Haight Ashbury Hayes Valley Ingleside Inner Richmond Inner Sunset Japantown Lakeshore Lower Haight Marina Mission Mission Bay Nob Hill Noe Valley North Beach North of Panhandle Ocean View Outer Mission Outer Richmond Outer Sunset Pacific Heights Panhandle Parkside Portola Potrero Hill Presidio Presidio Heights Russian Hill Seacliff Showplace Square Silver Terrace South Beach South of Market Sunnydale Sunnyside Tenderloin Treasure Island / Yerba Buena Island Twin Peaks Visitacion Valley Western Addition West of Twin Peaks West Portal San Francisco Mailbox RentalsSF San Francisco 94104 mail box mailbox international forwarding forward mailforwarding notary public fingerprinting fingerprints fingerprint finger print ... www.sfmailboxes.com/ - Cached - Similar San Francisco Mobile Notary | California Apostille ... Mobile Notary, California Apostille amp; Authentication Services, Ink Fingerprinting - San Francisco, Marin, San Mateo amp; Other California ... www.advancedmobilenotary.com/ - Cached - Similar Notary fedex San FranciscoReviews on Notary fedex in San Francisco - Advanced Mobile Notary amp; Apostille, Post and Parcel, The UPS Store, The UPS Store, Post-All Center, ... Cached Notaries Financial District San FranciscoBay Area Notary provides mobile notary services to all 9 counties of the San Francisco Bay Area. Our knowledgeable and efficient network of notaries can be ... - Cached Show more results from www.yelp.com San Francisco Notaries - SF Station315 Montgomery 9th Floor, San Francisco, CA 94104 Map. call and I will come to assist you with all your notary needs. our office is avaliable by appointment ... www.sfstation.com/notaries/business-directory - Cached - Similar The UPS Store - The UPS Store: Locations268 BUSH ST SAN FRANCISCO, CA 94104-3503. ... House Accounts. Packaging Peanuts Recycling. Notary Services ... Show map of 268 Bush Street, San Francisco, CA 94104 www.theupsstorelocal.com/1595/ - Cached - Similar San Francisco Notaries Public in San Francisco CA Yellow Pages by ...Directory of San Francisco Notaries Public in CA yellow pages. Find Notaries Public in San Francisco maps with reviews, websites, phone numbers, addresses, ... www.superpages.com/.../C-Notaries.../S.../T-San+Francisco/ - Cached - Similar NOTARY, NOTARY PUBLIC - San Francisco Preferred Notaries and ... - 2 visits - 9/1/09San Francisco Preferred Notaries and Notary Services, notary, notary public, notaries. www.sanfranciscopreferred.us/Business-Services/Notaries.htm - Cached - Similar San Francisco Notaries - SanFrancisco.comNotary Public and Signing Agent for Downtown San Francisco and Oakland area. Bush St, San Francisco, CA 94104 Map, www.sanfrancisco.com/notaries/business-directory/4 - Cached Notaries Public in San Francisco, CAFind Notaries Public in San Francisco, CA. Find businesses and services in San Francisco, CA with MyYP.com. www.myyp.com/San-Francisco,CA/Notaries-Public The District is home to the city's largest concentration of corporate headquarters, law firms, banks, savings amp; loans and other financial institutions, such as the corporate headquarters of VISA, Wells Fargo Bank, the Charles Schwab Corporation, McKesson Corporation, Barclays Global Investors, Bechtel, Gap, the Union Bank of California and salesforce.com among others. The headquarters of the 12th district of the United States Federal Reserve are located in the area as well. Montgomery Street (quot;Wall Street of the Westquot;) is the traditional heart of the district. There are several shopping malls in the area including the Crocker Galleria, the Embarcadero Center, the Ferry Building, and the Rincon Center complex. Parks and Plazas located there include Justin Herman Plaza which is the current location of the city's New Year's festivities. Sutro Tower 977 (298) 1973 Tallest non building radio tower in San Francisco since 1973. 1 Transamerica Pyramid 853 (260) 48 1972 Has been the tallest building in San Francisco since 1972; 3rd-tallest building in California, 32nd-tallest in the United States, and 100th-tallest in the world; tallest building on the West Coast from 1972 until 1974; tallest building constructed in San Francisco in the 1970s[2][9][10] 2 555 California Street 779 (237) 52 1969 51st-tallest building in the United States; tallest building on the West Coast from 1969 to 1972; formerly known as Bank of America Center; tallest building constructed in the city in the 1960s 3 345 California Center 695 (212) 48 1986 Tallest mid-block skyscraper in San Francisco; tallest building constructed in the city in the 1980s 4 Millennium Tower 645 (197) 58 2009 Tallest building constructed in the city in the 2000s 5 One Rincon Hill South Tower 641 (195) 60 2008 Tallest all-residential building in the city 6= 50 Fremont Center 600 6= 101 California Street 600 (183) 8 Chevron Tower 573 (175) 40 9 Four Embarcadero Center 570 (174) 45 1982 10 One Embarcadero Center 569 (173) 45 1971 11 44 Montgomery Street 565 (172) 43 1967 12 Spear Tower 564 (172) 43 197 13 Citicorp Center 550 (168) 39 1984 [35][36] 14 Shaklee Terraces 538 (164) 38 1979 [37][38] 15= First Market Tower 529 (161) 39 1973 [39][40] 15= McKesson Plaza 529 (161) 38 1969 [41][42] 17 425 Market Street 525 (160) 38 1973 [43][44] 18 Telesis Tower 500 (152) 38 1982 [45][46] 19 333 Bush Street 495 (151) 43 1986 [47][48] 20 Hilton San Francisco Tower I 493 (150) 46 1971 Tallest building used exclusively as a hotel in the city[49][50] 21 Pacific Gas amp; Electric Building 492 (150) 34 1971 [51][52] 22 50 California Street 487 (148) 37 1972 [53][54] 23 St. Regis San Francisco 484 (147) 42 2005 [55][56] 24= 100 Pine Center 476 (145) 33 1972 [57][58] 24= 45 Fremont Center 476 (145) 34 1978 [59][60] 26 333 Market Street 472 (144) 33 1979 [61][62] 27 650 California Street 466 (142) 34 1964 [63][64] 28 555 Mission Street 458 (140) 33 2008 29 The Infinity I 450 (137) 41 2008 [70][71][72] 30 100 First Plaza 447 (136) 27 1988 [73][74] 31 One California 438 (134) 32 1969 [75][76] 32 San Francisco Marriott 436 (133) 39 1989 [77][78] 33= Russ Building 435 (132) 32 1927 Tied as the tallest building constructed in the city in the 1920s[79][80] 33= PacBell Building 435 (132) 26 1925 Tied as the tallest building constructed in the city in the 1920s[81][82] 35= JP MorganChase Building 420 (128) 31 2002 35= The Paramount 420 (128) 40 2002 [85][86] 37 Providian Financial Building 417 (127) 30 1981 [87][88] 38= Three Embarcadero Center 413 (126) 31 1977 [89][90] 38= Two Embarcadero Center 413 (126) 30 1974 [91][92] 40 595 Market Street 410 (125) 30 1979 [93][94] 41 123 Mission Street 407 (124) 29 1986 [95][96] 42= 101 Montgomery 404 (123) 28 1984 [97][98] 42= Embarcadero West 404 (123) 34 1989 [99][100] 44 California Automobile Association Building Hilton San Francisco Financial District Hotel www.sanfranciscohiltonhotel.com - Hyatt Regency San Francisco sanfranciscoregency.hyatt Omni Hotel San Francisco www.omnihotels Club Quarters www.clubquarter Transamerica Pyramid maps.google Le Meridien San Francisco www.starwoodhotels Hilton San Francisco Financial District www.sanfranciscohiltonhotel The virtual photo tours are probably the best feature of this Neighborhoods page, don't miss out on them! The text is pretty good too. :) Once you decide to check out a neighborhood, though, be aware that (on a 28.8 modem) it may take a minute or so to download the photo tour page in all its glory. There are 8ish pictures per neighborhood page, each with extensive caption text under it. Each picture is 640x480 and was taken with my trusty Mavica or Nikon camera. Look for the cool sunglasses next to the neighborhood name, that denotes which neighborhoods include photo tours. Only a few neighborhoods have a photo tour right now, but I've shot the photos to do many more. I'm working on it! For now, I have just a few so...enjoy! The Richmond This neighborhood is, in general, anything North of Golden Gate Park. The Richmond is mostly three-storey Victorian or faux-Victorian homes. Many modern buildings are replacing the graceful Victorians. At least they try to imitate the old style, with plate glass bay windows. The Richmond sits nicely econsed between Golden Gate Park and The Presidio, an even bigger park, formerly a military base. Students go to Washington High School, a great school. Don't get Mr. Freethy. Kill if you have to, in order to get a class with Ms. Green or with Mr. Leach. Yes, that's his name. Yes, that's how it's spelled. This is one of the lowest-crime neighborhoods in the city. There is lots to do here, many neighborhood stores and on Clement street every second or third business is a restaurant. No kidding. Check out Clement Street. Go walking along Lake Street, the leafy and upscale residential street after dinner on Clement. Mmmm, this is one of my favorite activities after a movie at the Alexandria theater. There are a couple of unofficial sub-sections to The Richmond, but they are still part of the great Richmond district : Geary Boulevard - Definitely the heart of the Richmond. A nice, wide boulevard with vibrant commercial activity at every door. Lots of restaurant, banks, shops, movie theatres. Geary is the longest street in San Francisco, stretching from downtown all the way to the beach. Don't get a place on Geary if you don't like noise. Half a block off Geary is fine, I grew up between Geary and the next street, Anza, and there was no noise problem. Inner Richmond - From about Arguello to Park Presidio Boulevard (should be 1st amp; 13th Avenues, but Arguello and PPB were renamed). Houses here are three stories rather than two, but still everything's very nice. Outer Richmond - From about 25th Avenue all the way to the ocean's edge on 48th avenue. Like the rest of the Richmond, except less commercial activity and more residential. Lone Mountain - Laurel Heights / Jordan Park - The Sea Cliff - Pardon me. Do you have any Grey Poupon? You can now take the photo tour of the Richmond! The Sunset This large neighborhood is, in contrast, anything South of Golden Gate Park. Also very low-crime. The Sunset is two-story tract home, attractive, quiet and peaceful. Good place if you have kids and you want to live a suburban lifestyle in the city, rather than in real suburbs near the city. Though the Sunset can be subdivided arbitrarily, it really has a unifying character and flavor all its own, apart from the other neighborhoods. Llike The Mission and the Richmond, the Sunset is large and diverse enough that it has a couple of distinct areas with their distinct flavors within their Sunset-ness. I've broken them up for you so you can get a feel for the place: The Inner Sunset - This is the part of the Sunset closest to the Haight, UCSF, and Mount Sutro. It has many cool pastry shops, video rental places (check out Le Video!), restaurants. Nice walking neighborhood, it has a small but nice business district, with world-famous University of California at San Francisco (UCSF) stands. UCSF is a world-class teaching hospital and university. I was leaving their dental clinic in 1989 when the 7.1 Loma Prieta 'quake hit, and I almost got killed by three stories worth of falling brick off a building's facade. You can now take a guided photo tour of the inner Sunset! Golden Gate Heights - Beautiful! This sub-section of the Sunset is really just the neighborhood atop and on the skirts of a very tall hill. A long hill. Like a log laying on flat ground. The homes here have million-dollar views and prices to match. The intersection of this hill is at 14th and Lawton. The streets are so twisty that 14th and 15th avenue actually intersect! Although still part of the Sunset it is definitely the right side of the tracks. You can see some pictures of, and from, Golden Gate Heights in its very own photo tour! The Central and Outer Sunset. - This part is what most people mean by plain old quot;The Sunsetquot;. About 85% of this huge neighborhood is mostly very nice tract housing built for the returning soldiers of WWII. 99.9% of homes are two-storey, so you never feel that you are in a big city. The first storey is usually a garage, and the second storey is the home. Since the Sunset is mostly undulating hills, many places have views of the nearby Pacific ocean. It's wondeful to see 180 degrees of sparkling ocean from a silent neighborhood hilltop. You can now take a guided tour of the Central and Outer Sunset! Lake Merced - The lake Merced area is technically a part of the Sunset, but it feels different. Lake Merced is San Francisco's only remaining (and huge) natural lake. You can't miss it on any SF map, it's on the lower left quadrant of the city. The Eastern shore of the lake is lined by large, beautiful detached homes, and the Western shore by several nice 7-or-so story apartment buildings. This part of town includes a large shopping center called Stonestown, which is right next to San Francisco State University. The Parkside - The Parkside is the Southern half of the Sunset. It is a fake term fabricated by real estate droids, designed to segregate one neighborhood in half. I only include it here in case you heard the term somewhere, and were looking for an explanation. Merced Manor A cute little fancy hidden enclave, somewhere between aristocratic and suburban. It's not really part of the Sunset, but it's next to it, so I list it here beneath the Sunset. You can now take a photo tour of Merced Manor. Hayes Valley Hayes Valley is the next thing in Downtown's slow progression from tall highrises to quiet neighborhoods. Going westward from busy downtown, first there's the financial district, then comes Civic Center, and then Hayes Valley. I don't know this area too much except to say it's mostly residential, kinda run down but there have been some attempts to gentrify it. On late afternoons it's crowded with commuter traffic. I don't have much to show right now but you can see the photo tour of Hayes Valley. The Western Addition I'm not sure why this is called the western addition. But I can theorize - look at what sits to the East. It's downtown. Remembering San Francisco history, the docks and downtown developed first, the rest of the town was wild hinterlands and miles of nothing but sand dunes all the way to the ocean. At some point, downtown must have begun to get overcrowded, and they annexed the lands to the West of downtown, making the Western Addition. Total, 100% speculation. Back in present day, there are three basic areas there. JapanTown / J-Town - Basically a Japanese mall that tries (and fails) to be the answer to Chinatown. I say it fails because Chinatown is truly worthy of a name like Little China, whereas outside the mall there really isn't a Japanese-style neighborhood. The mall takes up about three blocks. The quot;mainquot; intersection is probably Fillmore and Post, one block up from Fillmore and Geary. As expected,there are lots of good Japanese restaurants here, as well as lots of Japan-related resources and shops. For example, we bought a Japanese version of Windows there once. There is a multiplex theatre named The Kabuki that, despite its Japanese name, just shows your garden-variety Hollywood movies. The Fillmore - Named after the main thoroughfare, Fillmore street. Formerly a poor and African/American neighborhood, it has become gentrified with many chi-chi shops and interesting restaurants in the first storey, while nice apartments crown the upper storeys. However, please note that not all of the neighborhood has been gentrified. Some of it retains its gritty character, and some blocks in this area (especially the parts near downtown) might seem a bit seedy. Somehow, the gentrified part has managed to retain its interesting character. It's active and crowded and noisy during the day, and again, this may be your cup of tea. North of the Panhandle - What is the panhandle? If you look at a map of Golden Gate Park (which is around seven blocks wide), at the east end, a one-block-wide extension of the park juts out. It creates a natural barrier (pun!) between the Haight/Ashbury and this area called North of the Panhandle. The feel here is densely populated, a bit busy especially near its major thoroughfare Fell street. The Whole Haight Area This area has a lot of character. Even in the gentrified upper Haight, there is an invisible, indescribable neighborly feel, and definitely so in the actual Haight/Ashbury. The Haight / Ashbury - Many true victorians remain in this charming and friendly neighborhood. Basically, the further you get from the panhandle, the higher the rent gets. Too close to the Haight, and there is some drug and criminal activity. Between Haight street and the quot;panhandlequot; of Golden Gate Park is a medium-crime area. The intersection of Haight and Ashbury streets remains a last stronghold of the tumultuous counterculture of the 60s. You are likely to see lots of alternative young people here, and cool older people who remain committed to their ideals if a bit mellowed. There may also be, unfortunately, a few runaway kids who came West and became homeless. There is a good sense of a neighborhood here, with lots of foot traffic and a feeling that people are a bit less closed off than they would be downtown. There are lots of interesting non-chain stores; clothing, music, food and some dance spots come to mind. No trip to San Francisco by a wide-eyed midwesterner is complete without a stroll down the Haight with a cone of Double Rainbow ice cream in their hand. Upper Haight / Parnassus Heights / Ashbury Heights - The upper Haight, known by all these names, is basically, the gentrified, remodeled Haight/Ashbury that has moved up the hill but still remains in the same emotional family as its brethren down in the Haight/Ashbury. The foot traffic is residential only, and the homes a bit more upscale, but the feel of this section remains comfortable. Now you can take a photo tour of the Haight / Ashbury! Cow Hollow Here is the photo tour of the Cow Hollow. (Just one pic amp; description for now, sorry) The Marina The Marina - Yuppie heaven. Sunny, wide streets with charming four-storey mid-century apartment buildings. Lots of enjoyable foot traffic, cute shops, pretty, pretty (but not shallow) people. Home to the Marina Green, a long expanse of grass where the neighborhood comes to fly kites, jog, sunbathe. Awesome, direct view of the Golden Gate Bridge from the homes across the Marina Green. North Beach, Russian and Telegraph Hills North Beach is a valley that sits between the two hills. North Beach is the picturesque main drag, full of interesting and worthwhile nightlife amp; restaurants. Russian and Telegraph Hills are the upscale residential areas that hover over it. Telegraph Hill - A tree-covered and very steep hill near the north-east corner of the city, distinctively topped by tourist attraction Coit Tower. A modern-ish, elegant, upscale hill it's a very attractive place because of the nearby, interesting and safe nightlife, the comfortable homes and the stunning views. Now that I've whetted your appetite I know you would enjoy taking a photo tour of Telegraph Hill! North Beach - formerly an Italian neighborhood, and still retains that flavor in its wonderful and authentic restaurants. Pretty safe, and very pretty. Lots to see and do here. Columbus avenue is the North/South main strip down the center of the valley, leading from the waterfront down to the Financial District downtown. You can now take a photo tour of North Beach! Russian Hill - an upscale residential area across the valley from Telegraph Hill. Chinatown Forget about it, you are in China now. I promised you that I would group things by neighborhood character, and Chinatown certainly deserves its own section. Even though it's tightly hemmed in between downtown and the North Tier area, there is nothing like it nearby. I hear there are people from China who move to this part of town and, for all practical purposes, continue to live a Chinese lifestyle with all the full acoutrements of the culture. Here you will find narrow, crowded streets, a riot of Chinese signs, giant shops with inexpensive (but good) curios, and of course outstanding food. I don't have a sense for the crime rate here. If you want to immerse yourself thoroughly in Chinese culture, this is for you. This is where the main festivities take place during Chinese new year, which takes place around March. It really takes you aback, realizing how long this venerable culture has been around, to realize it's now Chinese year five thousand something. Here is the photo tour of Chinatown. Just North Of Downtown This is the area where the wealthy live a classic San Francisco downtown lifestyle. Stony mansions, or spire-like condos give an air of old San Francisco, the city built by enterprising magnates who built fortunes selling to the Gold Rush miners of 1849 - the forty-niners. It's a trite truism that precious few miners made any money finding gold - the true treasure was in being the suppliers to the dreamers. Whether you supplied denim tents and later sturdy pants (Levi-Strauss), sugar (Spreckles), created Bank of America (Giannini) for them to stash their savings, the real gold was in the hopeful miners' pockets. Nob Hill and Pacific Heights was where you built your mansion. Nob Hill - Also known as Snob Hill. A very tall hill near downtown, it has a park atop it. The park is surrounded by hotels and low-rise condos with million-dollar views of the bay. Pacific Heights -Stately homes Downtown Its many sections Downtown is clean and modern, but some areas are filthy and dangerous at night. Although the Financial District is your generic business area, a nice wide-ranging walking tour of downtown offers classy yet friendly stores, beautiful sandstone buildings, a 50-storey pyramid building, a few cool craftspeople selling their wares in and some interesting historical places. Personally, I wouldn't live here, although some type-A people who make 20 deals before breakfast and drink kerosene instead of orange juice might like it. I'm going to walk you through the sections of downtown, first the Southern half, we'll cross Market street, and then we'll go across the top half from East to West. This area is so dense that it deserves its own minimaps : SOMA - We affected a little New York-like lingo here, and it's what we named our South Of Market Area. Although it's a close call, I am including South Of MArket (SOMA) in the Downtown section. Upper SOMA (Close to Market Street, the Northern edge of SOMA) - This area is where the Financial District is overflowing its Market Street border and spilling southwards. You can see the march of the construction crane, making highrises where urban blight was before. It is also home to the remarkable Moscone convention center, and to the Sony megastore which includes an IMAX theatre. Lower SOMA (away from Market Street) - In contrast, the Southern part of SOMA is much more like The Potrero. SOMA is not recommended for living, at least according to my taste. You might find it funky and invigorating, if that is your style. It's where many dance clubs, cool restaurants, and experimental theater groups do their thing.Lower SOMA is where San Francisco's answer to Silicon Valley, quot;multimedia gulchquot; thrives. It's home to Wired magazine, vivid publishing, and many other inventive and creative multimedia software shops. In fact, I did a software engineering contract at vivid, they have a very cool working environment. Market Street - Market street is a long, wide boulevard that cuts diagonally across downtown and into the Castro, like the hand of a clock pointing to the number 2, from the center to the NorthEast. The original designer of the San Francisco street plan struck a brilliant stroke by creating this wide avenue within the square-shaped city, to facilitate circulation from the docks into the heart of the city. In the map at the very top of this page, you can see Market street dividing the Civic Center amp; Downtown area from the SOMA area. Now you can take a photo tour of Market Street! The Heart of Downtown - Three distinct sections that flow almost seamlessly into one another and really should be grouped together. When people need to go Downtown, they're usually coming to one of these sections. The Financial District - This is where most of the skyscrapers are. It's a lovely area. Old Downtown - Where you see a lot of old San Francisco's charming buildings, sometimes from pre-earthquake days, now gentrified as chi-chi shops, or as graciously decaying hotels, next to grand, modern, very attractive buildings from the 80s. Union Square - This area is a monument to shopping. It's gracious old downtown San Francisco trying to be sophisticated and a little tourist-trappy at the same time. Sophisticated wins. If you're looking for a quiet place to live, you probably won't find it here. I mean, it's downtown. Lots of foot traffic, little flower vendors on the street, tour buses waiting to load passengers from the hotels, giant and expensive department stores, nice hotels, all surrounding a gracious little park next to the cable car tracks. You can now take a photo tour of the heart of Downtown94566 zip code 94938 zip code 95122 zip code 95315 zip code 94567 zip code 94939 zip code 95123 zip code 95316 zip code 94568 zip code 94940 zip code 95124 zip code 95317 zip code 94569 zip code 94941 zip code 95125 zip code 95318 zip code 94571 zip code 94945 zip code 95126 zip code 95320 zip code 94572 zip code 94946 zip code 95127 zip code 95321 zip code 94574 zip code 94947 zip code 95128 zip code 95322 zip code 94576 zip code 94949 zip code 95129 zip code 95323 zip code 94577 zip code 94950 zip code 95130 zip code 95324 zip code 94578 zip code 94951 zip code 95131 zip code 95325 zip code 94579 zip code 94952 zip code 95132 zip code 95326 zip code 94580 zip code 94954 Alamo Square 8226; Anza Vista 8226; Cathedral Hill 8226; Cole Valley 8226; Corona Heights 8226; Duboce Triangle 8226; Fillmore 8226; Haight-Ashbury 8226; Hayes Valley 8226; Japantown 8226; Laurel Heights 8226; Lower Haight 8226; Pacific Heights 8226; Presidio ; Western Addition Forest Hill 8226; Ingleside 8226; Ocean View 8226; Parkside 8226; Richmond 8226; Sea Cliff 8226; St. Francis Wood 8226; Sunset District 8226; West Portal 8226; Westwood Highlands 8226; Westwood Park Cow Hollow 8226; Fisherman's Wharf 8226; Marina District 8226; Russian Hill 8226; Treasure Island 8226; Yerba Buena Island Chinatown 8226; Civic Center 8226; Financial District 8226; Belden Place 8226; Jackson Square 8226; Nob Hill 8226; North Beach 8226; Rincon Hill 8226; South of Market 8226; Telegraph Hill 8226; Tenderloin 8226; Union Square I travel extensively to the following cities within San Mateo County: Town of Atherton, Belmont, Brisbane, Township of Broadmoor, Burlingame, Town of Colma, Daly City, East Palo Alto, Foster City, Half Moon Bay, Town of Hillsborough, Menlo Parrk, Millbrae, Pacifica, Town of Portola Valley, Redwood City, San Bruno, San Carlos, San Mateo, South San Francisco, Woodside, etc. Keywords: California Apostille services, Certified translations, languages russian, romanian, spanish, birth certificate, marriage certificate, diploma, criminal record, citizenship documents, green card, NOTARY PUBLIC APOSTILLE APOSTILE TRUST WILL LIVING TRUST REVOCABLE TRUS DEED RECORDING DEED OF TRUST POWER OF ATTORNEY SIGNING AGENT LOAN SIGNING AGENT SAN FRANCISCO BAY AREA MOBILE NOTARY TRANSLATION CERTIFIED TRANSLATION SAN FRANCISCO NOTARY NOTARY IN SAN FRANCISCO SECRETARY OF STATE APOSTILLE SERVICES CALIFORNIA NOTARY NOTARY REPUBLIC SIGNATURE NOTARIZE NOTARY DIANA NOTARIUS NOTAR HAGUE CONVENTION LAST WILL AND TESTAMENT LEGAL DOCUMENT ASSISTANT LDA REGISTERED LEGAL DOCUMENT ASSISTANT SF NOTARY NOTARY IN DALY CITY NOTARY IN BURLINGAME NOTARY IN SOUTH SAN FRANCISCO NOTARY IN SAN BRUNO DOWNTOWN NOTARY PUBLIC FREE NOTARY HOSPITAL NOTARY RUSSIAN NOTARY ROMANIAN NOTARY AUTHENTICATION FREE ADVICE NOTARY STAMP NOTARY AD NOTARY UPS LOCATION NOTARY FEDEX BEST NOTARY AFTER HOURS NOTARY PUBLIC EVENING NOTARY PUBLIC1040;1087;1086;1089;1090;1080;1083;1100; 1051;1077;1075;1072;1083;1080;1079;1072;1094;1080;1103; If you are a title company, mortgage company, escrow service, an We will represent your company in a professional, friendly manner & can As a Notary Signing Agent: I will meet with the borrower at a designated location, will 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 Monitor your FICO Score Help Protect Yourself From ID Theft. Get help with LifeLock. Enroll Now. See your Credit Score for $0 at CreditReport.com. It’s Free and available in seconds. Repair Your Credit Need some cash fast? $1000 in your bank account in 24 hours! Repair Your Credit Report Today! Are You Looking to Refinance? Don't wait! Lock in at record low rates. Start today and start saving. 0% Real Estate commissions
Do you like my web site and domain name? If you have comments about the content, please share your thoughts!
|
|
|
If you are a title company, mortgage company, escrow service, an We will represent your company in a professional, friendly manner & can As a Notary Signing Agent: I will meet with the borrower at a designated location, will 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 Monitor your FICO Score Help Protect Yourself From ID Theft. Get help with LifeLock. Enroll Now. See your Credit Score for $0 at CreditReport.com. It’s Free and available in seconds. Repair Your Credit Need some cash fast? $1000 in your bank account in 24 hours! Repair Your Credit Report Today! Are You Looking to Refinance? Don't wait! Lock in at record low rates. Start today and start saving. 0% Real Estate commissions All States Notary, Inc.
etc.
Links:
|
|
|
|
