Carmen Ruth Towles, Notary Public.

Carmen at

Frequently Asked Questions

Q: What is a Notary Public anyway?

A: A Notary is an official approved by the government to witness the signing of documents, administer oaths, and a number of other duties. A notary is usually hired in cases where a document is important and fraud is an issue. Notaries, however, do not provide legal advice.

Q: What should I bring with me when we meet?

A: All you need to bring with you is a current form of government-issued identification—passport, driver's license, and so on.

Q: What is a Loan Signing Agent?

A: A Loan Signing Agent is a notary specifically experienced and trained to handle loan documentation. I am a Loan Signing Agent with a great deal of experience in the field.

Q: Why would I need a Loan Signing Agent?

A: Loan documents are complicated documents, and they are often rejected if they are signed incorrectly. There is little-to-no room for error when filling out and submitting loan documents.

If a set of documents is rejected because of an incorrect signature or missing initials, then your loan will take more time to go through. In the time it takes to print up a new set of documents and sign them, the interest on your loan is accruing. This is both a waste of time and money.

Q: Are you background screened? Are you bonded?

A: All notaries in California are required to submit to a background screening administered by the Department of Justice and the FBI. A bond is also required.


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