Annie Tyler, Notary Public

A Mobile Notary Public Serving San Jose, CA

Notary Loan Signing Agent, San Jose Area Including Almaden Valley and Blossom Valley

Annie Tyler, Notary Public, has been certified by the National Notary Association as a notary loan signing agent, which involves passing a certification exam and clearning a security check, which includes fingerprinting and a criminal background check.

Notary Loan Signing Agent Certification

Notary signing agents "know how to handle the signing and notarization of mortgage loan documents, what lenders and borrowers expect, and how to be responsible and ethical — while safeguarding consumer privacy as required by the Gramm-Leach-Bliley Act and FTC Safeguards Rule."

". . . . the mortgage industry has begun to require compliance training and background screening for all persons involved in the lending process who have access to the private financial information of borrowers — including Notary Signing Agents."". . .. The nation's leading mortgage industry firms are relying on the National Notary Association when they seek highly qualified — trained, certified, background screened — Notary Signing Agents who can perform their duties properly and ethically."Quoted information from the National Notary Association.

Mortgage Information from the U.S. Government

Annie Tyler, Notary-on-the-Go, shares some information below from the United States government website,

More information about homes and housing is available to all at the U.S. government's official web portal,

CommonTypes of Home Mortgages

Fixed rate and adjustable rate mortgages are the two main types of mortgages, but there is a wide variety of other mortgage products available. Below are pros and cons of just a few of the mortgage products you may want to consider.

Type of Mortgage

Fixed-rate mortgage
No surprises The interest rate stays the same over the entire term, usually 15, 20 or 30 years.
If interest rates fall, you could be stuck paying a higher rate.
Adjustable-rate (ARM) or variable-rate mortgage
Usually offers a lower initial rate of interest than fixed-rate loans.
After an initial period, rates fluctuate over the life of the loan When interest rates rise, generally so do your loan payments.
FHA (Federal Housing Administration) loan
Allows buyers who may not qualify for a home loan to obtain one Low down payment.
The size of your loan may be limited.
VA loan
Guaranteed loans for eligible veterans, active duty personnel and surviving spouses Offers competitive rates, low or no down payments.
The size of your loan may be limited.
Balloon mortgage
Usually a fixed rate loan with relatively low payments for a fixed period.
After an initial period, the entire balance of the loan is due immediately This type of loan may be risky for some borrowers.
Borrower pays only the interest on the loan, in monthly payments, for a fixed term.
After an initial period, the balance of the loan is due. This could mean much higher payments, paying a lump sum or refinancing.
Reverse mortgage
Allows seniors to convert equity in their homes to cash; you don't have to pay back the loan and interest as long as you live in the house.
Subject to aggressive lending practices and false advertising promises, particularly by lenders that prey on seniors. Check to make sure the loan is Federally insured.

Buying a Home

Thinking about buying a home? We have information that can help! Got questions? Talk to one of our housing counselors!
1. Figure out how much you can afford What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate.

2. Know your rights
3. Shop for a loan
4. Learn about homebuying programs
5. Shop for a home
6. Make an offer
7. Get a home inspection
8. Shop for homeowners insurance
9. Sign papers
You're finally ready to go to "settlement" or "closing." Be sure to read everything before you sign!

Mobile Notary Service throughout San Jose CA including the areas of Almaden Lake Park,Santa Teresa, Silver Creek, Evergreen Valley, Basking Ridge, Almaden Valley, and Blossom Valley.

Call Annie Tyler, Notary Public

Web Page:

Disclaimer: Notary-on-the-Go presents this site to give general information about notary service and its history and to advertise the Notary-on-the-Go service. This website is not intended to offer legal advise of any sort. For legal guidance particular to your concerns, consult an attorney.