The work landscape is changing due to Covid and many are looking at a notary gig.
As more people look at returning to the workplace, many have realized they don’t want to go back. They’ve found the flexibility of working from home (probably why they are wanted back in the workplace) and found they prefer it.
Read MoreDon’t we all want market rates for our work? The Massachusetts Supreme Court has agreed.
Though this mainly affects static signings, almost every state has laws regulating the amount that may be charged for a notarization. Laws that when the average notary looks at the prices, it gives them the willies.
Notary pricing laws had a proper place and purpose. They ensured that everyone had access to notarize documents at a price that was reasonably affordable. The premise being that the need to the public outweighed the need to the notary.
So, the notary was allowed to charge a fair price and the signer knew they weren’t getting price gouged. A win-win as we like to call it.
A win-win at the time.
But, times move on. And the rates a notary could charge did not.
The notary was required to eat any new costs. The notary was held captive by inflation. None of these costs could be passed on to the consumer and work as a static notary went from a decent career to just a job, if one was lucky, which most are not.
Over time all the profit was gone and other businesses started to offer services as a loss leader. So, the corner store may offer notary services, or maybe a bank or other business. They weren’t making money. They were just getting people in the door.
Heck, we know all about that. Sunshine offers static notary services in our office in Hudson, Florida. And while they are here, they get to find out all about our other wonderful notary services.
A Massachusetts notary had enough.
Massachusetts law was codified in 1836! How much inflation do you think has happened since then? Under most documents, he was only allowed to charge $1.50. That’s the price of a candy bar today! (and not even the king size)
State law bars notaries for charging more than $1.25 per document, but that he and his wife were charged $10 a document, so he wants his money back
Universal Hub
Now, was the $1.25 for every document? Or even correct? The court said it was not. That this was a misunderstanding of the law. One that needs to be fixed.
The important part here is the court affirmed the right of the notary to charge market values.
The rest of the case revolved around changes in society since 1836. Arguments over language. It appears common English spoke in the United States has evolved since then.
Go figure, huh?
So, once the historians had their say and explained to everyone what the law may have meant when they wrote it in 1836, the notary prevailed, even if the court said it was a misinterpretation.
A very important misinterpretation that took historians to attempt to parse. Note to lawmakers. If it takes a historian to tell you what a law may or may not mean, maybe it is time to update or scratch that law altogether.
It depends on what your definition of “is” is.
But, why don’t we instead focus on the important takeaway.
The Massachusetts Supreme Court ruled/affirmed that notaries may charge fair market prices.
So, why is this important to today’s mobile and online notaries? It does not affect the daily operations of your business.
Or does it?
Since mobile and online notaries offer services beyond notarization, prices charged are already at market price. Some might say that technology has helped us move on from 1836.
But, there are a couple of positive takeaways.
Mobile and online notaries are less likely to be subject to future draconian laws themselves. What if you were told you could only charge $25 for a mobile signing for the next 200 years?
Can anyone say conniption fit?
The other side is that it could make you more competitive in the market.
Why don’t we look at the corner store? They may now charge $20 for a document they used to charge, let’s say, $8 for.
You cannot compete with $8. You probably don’t even want to try, which is why you looked for more lucrative areas of the notary business to begin with.
But, at $20, you may be able to compete. It may give you access to a market you could not touch before. You offer convenience that cannot be matched, especially when you can charge competitive pricing.
And being more competitive in the market is never a bad thing.
Increase your efficiency and bottom line with Sunshine’s Mobile Notary Services and Online Notary Services. Sunshine is always there when you need us.
In person notaries are still in high demand, as demand exceeds supply months into the pandemic.
It may be a surprising find as the pandemic seemed to indicate a light speed move to online signings. But, the opposite has happened.
As in person notaries have declined, both mobile and static, the demand for them has increased as the housing market has come back to life.
The banks are known to be conservative and slow moving. I mean, who still uses faxes?
But, at the beginning of the year it seemed the move towards remote online notarizations was gaining steam. Steam that would change the industry.
Steam that might just replace in person notaries with online ones.
And while it seemed the pandemic would only accelerate that, it has actually slowed the process down, leaving high demand for in person notaries.
Why?
As the market rebounds from COVID-19 closures, one symptom of this inertia has emerged: lenders are being flooded with a rising volume of mortgage applications, and notary availability is at an all-time low.
National Mortgage News
Let’s start by looking at work from home.
First the banks had to switch to work from home. This wasn’t an easy process, as larger banks had hundreds of thousands of employees to move. It was not easy. They had to do things like:
Work from home was made to sound easy, but the effort involved was massive. Compounding that, with everyone working from home, as well as virtual schooling, many areas just did not have the internet backbone to handle it.
That seems to have leveled off now, but large ISPs took months investing in new infrastructure to meet the heightened demand.
These times have caused the banks to repeatedly have to change focus.
A great example are PPP loans.
With a housing slowdown, why not start making new government backed loans? It’s a no brainer.
But, there is always a downside.
Making the loans is one thing. Keeping up with every detail, not so easy. Of interest is the myriad of tax rules that have to be met. But, the loans had to be made quickly, so it created its own issues.
Mortgage professionals aren’t exactly IRS agents, so the training is intensive, and even then, in some cases, a mountain too high to climb in such a short time.
Along with the downturn obviously came a dent in revenue stream. From people who were unable to pay, people who were able to defer payments or interest, as well as a few who took advantage of the situation.
As the moratoriums expire the big banks have also started to shift to collections and foreclosures. There is no need to go into depth here, but the same pattern applies.
Simply put, most of the large banks have their hands full. And that has increased demand for in person notaries at a time when supply has waned as many notaries have shunned signings.
Notaries are in high demand but short supply. Data from April 2020, notaries not accepting signings for 15 or more days increased 1,225% compared to April 2019.
National Mortgage News
Efforts to look at online signings have dissipated as that attention has had to be focused into other areas.
It was already hard to look at online closings with the mish-mash of rules, both permanent and temporary, the massive amount of training and implementation into current processes.
And now the market has been focused into other areas.
In the long term, online closings are still inevitable in many markets. But, for the foreseeable future, the demand for in person notaries looks to remain quite healthy.
Increase your efficiency and bottom line with Sunshine’s Mobile Notary Services and Online Notary Services. Sunshine is always there when you need us.
As the world quickly pivots to online notaries, how does this affect traditional Wet Signings?
Called wet signings by many banks, it means the notary and signer(s) sign must both be present, and must use a pen.
This has origins all the way back to the ancient middle east. They were literally wet signings. As they wrote on clay tablets, then they had to dry them.
We’ve had extensive talks about creating an article of states. But, there are too many rules that are moving too quickly, it would be difficult to disseminate the information accurately.
It would be advisable to find the new or temporary rules for your state.
So, why the article will focus on the present and future, you need to confirm any specifics where you perform signings.
You’ve seen the media. We’ve seen the media. But, does the hype reflect reality?
Not quite yet.
While online notaries will be used more frequently in the future, that does not mean there won’t be a rocky road to get us there.
There are a ton of rules in recent months. Most of these are only temporary, but could set the stage for adoption of those rules.
The problem is that the hastily written rules are not congruent. Most require a lot of red tape, which needs to be made on a state by state by state basis.
The more you look into it, the more confusing it gets.
While a very small portion of loans have been done remotely, in person wet signings are still required by most lenders and underwriters.
In other words, the mortgage world is not rushing into things.
While you think that might make them go crazy, the fact is they face the same maze of regulations (especially temporary ones) that we do as notaries or signing companies.
It might be better to say they are dipping their toes in the water.
Realize the most prominent lenders in the country might have tens of thousands of employees working for them.
The fact is, at the end of the day, they have to pull all of those people off of the floor, train them for 50 different states (several are similar), some only temporary.
Monoliths take a long time to move.
We have a friend that works at one of the most prominent lenders in the nation. Between COVID, working from home, and the difficulty in enabling online closings, RON has fallen on the list of priorities for many lenders.
At the end of the day, it is unlikely all signings will be remote.
We already know about attorney states and a number of other signings. But, it is possible, that this will drive many of the corner stores that offer individuals notary services to stop.
Unless states raise the rates for these types of signings, it is unlikely they’ll be able to justify the cost to them.
The choice then will be an online notary, or a mobile one. Technology could be difficult for some signers. At the end of the day, if you like your computer, and don’t need a new one, what would you do?
And what about the people, who do exist, that do not have easy access to the internet?
Who doesn’t love bureaucracy?
We’ve seen several states adopt very similar statutes. But, we still might see the wild west unfold.
Right now, states need money. Badly. And they will need it for years to come.
But, where are they going to get it?
It won’t erase any deficits, but any money will do right now for states. It is probably insignificant in the grand scheme of things, but it still is money for a state that is broke.
We are quite likely to see states adopt rules, some designed to keep the money in that state.
For example, let’s say a state called New Iowa, decides they want a bigger share of the pie. So New Iowa decided they will allow remote signings, as long as the notary is located in that state.
But now, New Vermont thinks they are being hoodwinked. They have notaries, too. And New Iowa is taking away work from them, and tax revenues, from the people of New Vermont.
See how easily this could happen?
Right now everyone’s world is still out of whack. The biggest holiday on our calendar approaches. And millions of us will forgo cookouts and fireworks because of it.
But, there is light at the end of the tunnel. It may be a new world, but it will be our new world. The industry will change, but it is always changing. The sun will still rise in the east and set in the west.
We either embrace change and prepare, or we get left in the dust.
Increase your efficiency and bottom line with Sunshine’s Mobile Notary Services and Online Notary Services. Sunshine is always there when you need us.
As more parts of the country begin returning to work, and people beyond notaries return to normal life, we hope we are starting to see the Sunshine again.
2020 has been a really tough year for just about everyone, businesses have been shut down for a long time and many people are regaining confidence in our ability to finally move past this pandemic.
Beyond that, we’ve all seen the news, and probably too many social media videos. We’ve found almost every bit of it sad, but we’ve also seen a lot of signs of hope, and we know that we will become a better nation because of it.
Here are the current CDC guidelines.
Across the country we saw home sales take a hit, though refinances made up some slack because of extremely low interest rates. But, signs are beginning to show that people are starting to buy houses again.
Home sales in Houston have risen dramatically recently. In some places, we are talking a 50% increase over last year. Reports from Arizona and North Carolina are promising.
Now, we know this is not true in a lot of the country yet, but as buyers regain the confidence to look at houses, home sales will bounce back.
One thing we’ve seen so far, is that not much has happened to change peoples’ minds if they wanted to purchase a home, but the timeline of that purchase has surely changed.
As more people return to normalcy, the services they need will also return to normalcy.
For some things, there might even be a backlog.
Of particular note are loans. Many lenders have delayed payments, waived interest accrual, or both. Some landlords have delayed payments.
While the politicians in Washington try to decide what to do with all of this, many will probably get stuck in the middle. Depending on how that pans out, it may increase the need for notaries to finalize the new deal.
On the flip side, some lenders are moving back from some industries. For example, Wells Fargo has announced that they are almost completely shutting down car loans.
Throughout this all, you have shown us that we have the best and most reliable notaries in the nation, and we thank you greatly for that.
You have not only stepped up for your business, but for ours as well. Not only we thank you for that, but all of our employees that provide services for you and our clients, as well.
As a team, we could have folded. But, your efforts in going above and beyond the call of duty has shown us just how resilient you are.
If you don’t often speak to others in the industry, you do not realize the level of reliability and professionalism notaries that work with Sunshine have shown.
We’ve heard horror story after horror story from others in the industry on the unreliability of their notary partners.
But, we have to tell you. When those same people ask us about the horrors we’ve seen, we can proudly say that our notaries have pulled through in every way.
And then we give them our card and tell them if they want to work with the most professional and reliable notaries, they know who to call.
Increase your efficiency and bottom line with Sunshine’s Mobile Notary Services and Online Notary Services. Sunshine is always there when you need us.
The Mobile Notary and the COVID Pandemic, seems like the nightmare that is never going it end.
Can you believe we’ve been at this for two months already?
And while we hope that the end of the tunnel is in sight, the fact is we are still a small fish in a large ocean, and hurricane season has already started (it really has).
How to provide a safe service, one that the consumer feels safe, is still proving both difficult and rapidly changing.
We can look to our own industry, while looking at other industries to see what may work.
Bringing some plexiglass with you to signings probably isn’t the best way to go. Curbside service would be great, but impracticable as well. But, looking at industries are there any things that may work for notaries?
Can we learn something from other industries?
There are also some things you should not do.
It’s halloween in April! No one around you will ever miss it.
But, while highly successful at social distancing, we are not sure the coronavirus helmet would go over too well with clients.
We’re sure we aren’t the only ones who have seen a variation of the social distancing hula hoop.
If it is bad etiquette to wear something in public, it is probably a bad idea to use in your daily routine. We’d pay money if someone could actually hula hoop with one while walking down the street.
We wish the guy wearing a Norton Anti Virus was the only thing wrong here, as it is hilarious.
But, we wouldn’t advise going places with upside down bags on your head or a giant pet food container. Although we do appreciate the effort.
As the days of the pandemic move on, as more businesses start to open up, and as more business is done, the demand for notaries will rise with it.
While some people are more lax, others are going to be very wary long into the future. So planning a way forward for our businesses is only prudent.
We’ve hopefully given you a couple of decent ideas, and definitely showed you some of the wrong ways to do things.
But, we will close as we always do. Business is opening up in places around the country, which will mean more activity, so be safe and be successful.
This is part five of our series on Notaries and the Coronavirus. Here are some links to other articles.
Increase your efficiency and bottom line with Sunshine’s Mobile Notary Services and Online Notary Services. Sunshine is always there when you need us.
Spurred in some part by COVID, the Oklahoma Supreme Court ruled that absentee ballots no longer have to be notarized.
It was spurred by the League of Women Voters, as well as medical advocacy groups and at risk people. Essentially, they argued that the notary requirement should be removed, as some voters will be unwilling to go to the polls due to the pandemic, as well as marginalized communities, who do not have easy access to notary services.
The response from the courts was to remove the notary requirement and allow individuals to sign their absentee ballots under penalty of perjury.
“Respondent is barred from issuing ballot forms, instructions, and material suggesting notarization and/or a notarized affidavit form is the only means through which the requisite affidavit for absentee voting may be accomplished,” the order said.
Tulsa World
Proponents say that it is removing an obstacle for voting, especially among seniors and medically compromised voters.
The vote from the court was 6-3.
Three judges dissented from the decision. They wrote two separate dissents.
Oklahoma passed a voting law in 2002. Under that law, they gave absentee ballots an exception to the rest of the law.
The court thought otherwise.
The argument against focused on proper channels for governing. That the court does not make the laws, the legislature does.
Justice M. John Kane IV dissented, writing “the issues stand presented to the wrong branch of government.” He was joined by Justice James Winchester. Justice Dustin Rowe wrote a separate dissent.
Courthouse News Service
The dissenting opinions said it would open the voting to more fraud, as in person voters are required to present a valid ID.
“Considering the history of voter fraud, the specifics of our absentee voter process and recent legislative history, I agree with the respondent that it would be absurd to now open the gates and provide for no verification for absentee ballots but still require in-person voters to provide a valid I.D.”
Non Doc
The Oklahoma Attorney General is now reviewing the ruling.
The game changes, but the wheel moves on.
The Oklahoma Primary is scheduled for June 30th. August 25th is the runoff primary, while the general election is on November 3rd.
For business, it will eliminate these signings. Since many absentee voters vote from outside their jurisdiction or in other countries, like our military, we’re not sure it creates a significant impact on the industry.
We would advise you to stay up to date on future actions. Or, better yet, just wait until we write about it.
We hope you all can stay busy and stay safe.
This is part four of our series on the coronavirus and the wider effects it has on our industry. It is amazing how quickly things have changed.
Increase your efficiency and bottom line with Sunshine’s Mobile Notary Services and Online Notary Services. Sunshine is always there when you need us.
What does New York Executive Order 202.7 mean for notaries?
As part of the pandemic response, New York Governor Andrew Cuomo issued an executive order concerning online notarizations. The order opens the door for closings performed in New York to be done remotely, at least temporarily.
The change in notary procedures allows commerce to continue without contributing to the spread of the virus. For example, deeds are legal documents that transfer real estate from seller to buyer and must be notarized. The audio-video notarization allows real estate closings to continue without violating social distance rules.
Times Herald-Record
The truth is, we don’t know. There are a lot of deals being made right now to keep the banks doing business. And New York State Executive Order 202.7 would be a part of that.
Here is what we do know.
The governor’s order removes a lot of rules that governed how a signing occurs. This is happening all across New York state. This is a break on national rules on a significant number of loans. The repercussions of this are yet to be seen.
Right now it allows New York notaries to act as an online notary to perform closings. The notary involved, as well as the location of the signing, must both be in New York. The property itself does not need to be in New York, but the closing and online notary must both be in New York.
What the long term effects are remains to be seen. We all know online notarizations are on the horizon, but we don’t know if this will speed things up, or if people will game the system and make people put the breaks on. If we had to bet, it would probably be on the former.
There are a lot of caveats to this law, as well as social interactions that would affect how a loan closing is performed.
Social distancing. A new phrase to most of us until a month or two ago, but a phrase that dominates our lives now. The new rules are designed to allow closings while keeping social distancing.
It is affecting title, mortgages and closings, not just in New York, but across the country. Some buyers refuse to leave their house and that causes mobile signings to go awry. Some buyers are asking the notary to slide the docs under the door.
But, I’m sure we all know that is a no-no.
The rules seem endless, but we suppose that is what you do when you don’t have any.
The world is changing. It is transitioning more quickly than any of us could imagine (minus a few doomsday preppers, who are looking like geniuses now). What comes from it is going to alter a lot of things.
We imagine that the federal regulations on certain rules will return soon. But, it will only accelerate the move to online signings. Proponents of online signings will use this as a casus belli.
There will still be a significant amount of signings that will need to be done in person.
Exactly, why not?
Even with the day online notaries are on the horizon, that does not mean that every signing will be online. There will be a lot of signings that will still have to be done in person, whether it be for an institution or an individual.
So just like we are looking at the possible realities of the future, so should you.
This is part three of our series on the coronavirus and the wider effects it has on our industry. It is amazing how quickly things have changed.
Increase your efficiency and bottom line with Sunshine’s Mobile Notary Services and Online Notary Services. Sunshine is always there when you need us.
It has only taken a couple of weeks and the landscape of our daily lives has changed, possibly forever.
Most of the nation is now under stay at home, or safer at home orders. With people only allowed to travel for things like groceries, or essential business.
This will change the notary landscape forever. But, at the moment, we should focus on our immediate business and the safety of ourselves, our families, our friends, our clients and everyone else.
Some notary functions have been declared an essential business via a memorandum for the financial services sector. Or in simpler terms, mortgages and other types of loans.
United States Secretary of the Treasury, Steven T. Munchin levied the mandate. It goes into great detail as to all of the sectors of financial services are essential.
If you do not have a copy of the memorandum, we advise you download it and carry it with you if you have a signing. Some localities are requiring it be on person, while others are more lax. It’s probably easier to just print and carry it, as keeping up with every local development isn’t easy.
Right now, local restrictions override any federal orders, so make sure you know your local travel orders or any other instructions mandated by your local leaders, at least as best as you can in this rapidly changing world.
Real estate has not stopped. A few of the rules have changed, but the engine remains the same, even if it slows down.
The market has quickly changed along with everything else. What was hoped to be a banner home selling season has stood back. But, lower interest rates are now driving incredible interest in refinancing.
Craig Haskins, chief operating officer with Knight Barry Title, said a common misconception he is seeing is people think “a lot of our real estate business has just stopped.” “We’ve been deemed an essential service across the country. Even if your county courthouse is closed, there’s a good chance your transaction can get finalized,” Haskins said. “Also, as an industry, we’ve shown our ability to innovate quickly through all of this, and I hope it continues when some normalcy returns.”
Housing Wire
The first thing that comes to mind are weddings.
And the rules are all over the place.
In some locales weddings are banned, in some you can have them, but no marriage license will be until a later date. And in some places the rules are different than that.
That is why it is important to know your local rules and what you can and cannot do.
This crisis has started a rush towards remote online notarizations. Some states that have not approved them have given the option of performing a signing remotely.
When traveling to a signing, please follow the recommendations from the CDC. They have a lot of additional information on the site, like how to clean various items and what to do if you think you may be sick.
At the signing follow the above recommendations. But, remember, your safety is paramount.
This is part two of our series on the coronavirus and the wider effects it has on our industry. It is amazing how quickly things have changed.
Increase your efficiency and bottom line with Sunshine’s Mobile Notary Services and Online Notary Services. Sunshine is always there when you need us.
Even if you have had you have had your head in the sand for a while, we are sure you have heard about the Coronavirus.
But, is the CoronaVirus something that the notary needs to obsess over?
The answer to that, if you take proper precautions, is that you can reduce the chances considerably.
As we watch large corporation after large corporation suspend events and some workplaces, it has led to people being very concerned.
But, the average notary is not a large corporation. While the corporation can withstand a few months of this, the plain fact is that the vast majority of notaries cannot.
And, if at all possible, we need to protect our businesses.
The first thing everyone should know, is to wash you hands more often that usual. Do not use antibacterial soap, just regular soap. Wash your hands and bottom of forearms in warm water for thirty seconds. That is the most effective way to kill germs.
What about Purell?
Only use Purell if you have to. If you don’t have access to properly wash your hands, then use it, but still wash your hands as soon as possible.
Editors Note: We are not throwing shade on Purell. It is much better than nothing, just not effective as washing your hands in warm water for 30 seconds.
And you need to be aware than antibacterial soaps or sanitizers kill a lot of the healthy bacteria on your skin. And that healthy bacteria helps you fight off a lot of different infections, though we cannot directly state that for the CoronaVirus.
We’ll let the scientists continue to figure it out. They are doing testing on different concentrations of sanitizer now, to find the most effective. It has to do with alcohol and chemical reaction with the skin, and what the best mixture is for this virus.
Invest in some latex or nitrile gloves. They are sold out in many places, but there are other places you might not expect to find them.
For example, Harbor Freight sells the gloves, and their shelves are still stocked. Same thing with auto parts stores like AutoZone.
It is also recommended at this time that you avoid large gatherings. That is why we are seeing sports leagues and concerts shutting down.
We know this is beating a dead horse, we say it all the time.
But, notaries instill trust in signings.
When you attend a signing, put on gloves when you get out of your vehicle. Use your own pen, and do not let anyone else use your pen. If you have to bring a couple of extra pens to be safe, do so.
Just realize once you give someone a pen, you do not want it back. Make your signers realize you take this seriously, and that will in effect, make them feel safer and instill trust.
When returning to the vehicle, take off the gloves before you open the car door. You do not want to get any virus in your vehicle. Keep a large Ziploc that you can put them in and seal it. Then throw it out at your earliest convenience.
Clean the handles of both your car doors and home doors every couple of days.
And this is not notary specific, but if you have children, bath time is right when they get home. Not after they’ve run around the house for hours.
What about masks?
It is still not recommended you need them, which is good because they have pretty much sold out. But, if you feel you need them, this is a good time to use your business tax ID and order them directly from a medical supply company.
Sometimes the cost of doing business is better than not doing business at all.
But, under current recommendations, the cost of gloves and pens is probably not going to put you out of business.
Also remember, any supplies you buy for your business to deal with the CoronaVirus is a business expense, not a personal one. You may want to speak to a tax professional on this.
The most common ways to get infected moving forward may not be on your radar.
The biggest one is any shopping cart. So wash the handles before you grab it, and if you have a child in the seat, bath time when you get home.
Do not use re-usable bags at stores, unless you are going to thoroughly clean them every time you shop.
Get the single use bags and throw them out once the groceries or other shopping goodies are removed. Remember, these bags touch your shopping cart.
In public restrooms, do not use the air blower to dry your hands. They have been shown to spread germs. Partly because people don’t wash their hands well, and also because they have filters that almost never get changed.
Some models, like the newer ones you put your hand in, instead of under, are worse. They cause water droplets and germs to fly back up into your face. The same germs from the people who did not wash their hands properly and used the dryer anyway.
This means carry some paper towels with you, or Purell as a backup.
There have been a lot of people saying to elbow bump, instead of shaking hands or fist bumping. Do not do this. Many people are trained to cough into their elbow, so we don’t think you want to expose yourself to that.
How about instead we just smile at everyone and say hello.
Keep all of your handles in your house clean. Doors, cabinets, etc. Same for your vehicle, even if you are already taking precautions with gloves.
And don’t forget about things like gas pumps or other devices you may use that a lot of people touch, like the credit card machines at checkout. Really, when was the last time you think your gas station cleaned the handles?
Does this mean you will be 100% safe? No. And we do not want notaries thinking that. We all need to stay on the ball, and protect ourselves and our families.
Is the CoronaVirus something we should all have on our radar? Yes.
We should take every precaution to keep ourselves and our families safe.
And our signers, too.
So, if you take away one thing from this article:
This is part one of our series on the coronavirus and the wider effects it has on our industry. It is amazing how quickly things have changed.
Increase your efficiency and bottom line with Sunshine’s Mobile Notary Services and Online Notary Services. Sunshine is always there when you need us.
