Commissioned, bonded, and usually in the car
I have held a state notary commission for eleven years and became a certified loan signing agent five years ago, after enough real estate closings asked for it. Most of the work now is loan packages and short-notice single signings, split about evenly.
The commission, bond and errors-and-omissions coverage are current and shown on request. The journal is retained for the period the state requires, past the length of most of the transactions it records.
I decline a signing when the requirements on the scope page are not met, even after driving out for it. That has cost me appointments. It has never cost a signer their notarization later.
