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Covid-19 A Mobile Notary Signing Agent Challenge

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Status: Finished  |  Genre: Non-Fiction  |  House: ChicagoStarBaby Sharon Mary Ivanov McPhee

Submitted: July 01, 2020

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Submitted: July 01, 2020

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It is tragic. America is in the cycle of a serious Pandemic known as Covid-19. There is utterly nothing we can do about it but assist in prevention by wearing a mask, and gloves with a suggested 6-foot social distancing basis to prevent its spread. We are essential workers, "MOBILE NOTARY SIGNING AGENTS", in the Mortgage Industry, fundamentally working out of our home office setting appointments to close Real Estate Loans for residents with Title Companies that send us documents to be officially notarized, promptly on a “one-day deadline”.

A general loan packet approximately 250 pages, is emailed to us the day before or morning of our appointment. It is downloaded, two copies printed, one hand-delivered to our Borrower and the other to be signed and notarized. Upon returning to our office, the file is scanned, uploaded, back to their respected Title Companies for immediate time processing of their loans. Those original documents are then dropped off to our local guaranteed overnight delivery carriers, FedEx or UPS. 

It went like clockwork and usually takes an hour. We would arrive at our Borrower’s home or business, sit down at their table to begin signing our documents and process to verify the Borrower's identification. But with the Covid-19 scare, we must improvise, and each Borrower insists on different methods of getting the job done, with social distancing responsibilities. We are facing challenges that change daily. At one home the Borrower set up a card table in the doorway, as we shuffled paperwork back and forth to sign. The next clever Borrower handed papers through a kitchen window. Another sat in their vehicle and handed a page at a time, through their car window. Sometimes we set up a meeting at any local restaurant establishment, that allowed us to sit at their outside patio tables, to sign mortgage papers. All of us retained our masks while communicating. 

It's not business as usual anymore, transactions take more time, more concerted effort on everyone.  It's very windy, uncomfortable surroundings, it rained, these papers have to be completed one at a time, for each Borrower to sign, in their laps or we get lucky to have a table at hand. It's dark outside for evening appointments, but we are making it happen. It's a tedious burden we all must bear if we want not to falter and keep our economy business contracts getting completed in a timely manner. There is a natural hesitancy to touch documents that have been handled by others, but the risk is acknowledged. We have haphazardly agreed to improvise with using these obvious safety methods, having hand sanitizers available for our squeamish clients, seems always welcomed, with a smile.

The folks applying for loans, companies that process them, and us Notaries are currently working as best we can to keep business finalized, despite temporary inconveniences. People are generally cooperative and understanding about the changes we have to make in order to do our job legally and effectively so that business doesn't halt. It's a virus we can't see but know it hampers our ability to perform tasks as once we took for granted. Together our jobs are accomplished! Life goes on, we will overcome, despite Covid-19!

 


 


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