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What Title Insurance Protects Against

Here are some common hidden risks that can cause loss of title or create an encumbrance on title:

  • False impersonation of the true owner of the property 
  • Forged deeds, releases or wills 
  • Undisclosed or missing heirs 
  • Instruments executed under invalid or expired power of attorney 
  • Mistakes - such as clerical errors in recording legal documents 
  • Misinterpretations of wills or wills improperly probated
  • Deeds by persons of unsound mind (mentally incompetent)
  • Deeds by minors 
  • Misrepresentation of marital status of grantors 
  • Liens for unpaid estate, inheritance, income or gift taxes 
  • Incorrect legal descriptions Or inadequate surveys
  • Fraud in execution of documents
  • Defective acknowledgments by notaries

Shopping for Title Insurance

Often your mortgage provider will select a title insurer, but you should ask to see prices from several providers.  The lender requires that you purchase lender's title insurance which insures up to the value of the loan on the property. This item can be found on your Closing Disclosure Statement (formerly HUD-1).  Be diligent and determine if the policy coverage and fee are suitable for your needs.  Ask why a particular policy is recommended.

Once your loan is approved,* your lender will work with the Title Agent or Escrow Officer to assist in handling all aspects of your settlement, including a title search and removing title defects; issuing a title commitment or insured closing protection letter; verifying liens affecting title; ordering payoffs for liens and mortgages; preparing a Closing Disclosure; reviewing lender closing instructions; receiving closing proceeds; making sure liens or old loans are paid off and canceled of record; recording deeds or other instruments; issuing a title policy.

A qualified and impartial notary witness closing agent can help you execute your loan documents confidentially and will ensure their expedited return to the Title Agent.  A carefully chosen notary for your closing is Your right!

*It may be advisable to have an Owner's policy even if no financing is involved.
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TITLE INSURANCE
NVLS is not a Title Insurance issuer or a title agent.  ​All educational material for general information and not meant as legal advice.
CFPB
(closing FORMS Guide)
Frequently Asked Questions About Virginia Electronic Notarization

What is an electronic notarization (e-notarization)? 
Electronic notarization is a process whereby a notary affixes an electronic notary signature and seal information to an electronic document (such as a PDF or Word document). Once affixed to the electronic document, the document is rendered tamper evident such that unauthorized attempts to alter the document will be evident to relying parties. The Electronic Notary also must keep an electronic register of each act performed. (See Am I required to keep an electronic register of my electronic notarial acts? below.)

An Electronic Notary may electronically notarize a document in person or online using audio-video conference technology.

What is an electronic document?
We use electronic documents every day in business and personal affairs. Most of us are familiar with popular electronic document formats such as PDF or Microsoft Word, but an electronic document can also take the form of any electronic data in computer-readable form, such as an email message, a web page or an electronic image.

What is an electronic signature?
Most persons use some type of electronic signature every day. For example, when we click a “Submit” button to purchase a product online, we are signing electronically. Technically speaking, an electronic signature is a symbol or process attached to or logically associated with an electronic document and executed or adopted by a person with the intent to sign the document. Other examples of common electronic signatures take the form of an “I accept” button on a web site agreement or a physical signature on an electronic signature pad, commonly used at retail stores when paying for products.

Sometimes the term “digital signature” is used interchangeably with “electronic signature.” A digital signature, however, is really just a type of electronic signature. Digital signatures involve public and private key encryption that is used to secure an electronic document or electronic message from unauthorized tampering. 

What is an electronic notary signature and seal?
In traditional paper notarization, a notary signs a notarial certificate with a pen and affixes a seal in the form of a rubber stamp or embosser. The seal conveys important information about the notary such that relying parties can know, for example, the name of the notary, the notary’s commission expiration date and other pertinent facts.

An electronic notary’s signature and seal performs that same basic function, but the notary can adopt any form of electronic signature that conforms to the definition stated above - the form of the notary’s typewritten name or an image of the electronic notary’s handwritten signature.

The notary’s electronic seal is simply text that appears on an electronic document and that must include, at minimum, the notary’s name as it appears on his commission, the notary’s jurisdiction (i.e., the Commonwealth of Virginia), the notary’s registration number, and the notary’s commission expiration date; the date the notarial act was performed and the county or city and state in which it was performed.
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What is the difference between an electronic notarization and my current pen and paper notarization?
The only real difference is the tool used to perform the notarial act. In a traditional paper notarization, a pen and a rubber stamp are the tools of the notary’s trade. For an electronic notarization, the notary must use a computer and appropriate computer software and/or hardware.

Generally speaking all other steps and procedures of notarization remain the same. The signer appears before the notary to request a notarization, and the notary identifies the signer, completes a notarial certificate and affixes the electronic notary signature and seal.

What other equipment will I need in order to electronically notarize documents?
There may be other equipment such as a signature pad, scanning capability or other software and hardware from an electronic notary solution provider.

Is personal appearance required in an electronic notary act?
No. An Electronic Notary may electronically notarize a document in the physical presence of the signer, however an approved Virginia Electronic Notary may alternately perform acts online using audio-video conference technology (Webcam).

Can an electronic notary take an acknowledgment online by audio/video conferencing?
Yes. An approved Virginia Electronic Notary may perform notarial acts online using audio-video conference technology.

Can an electronic notary take an acknowledgment by phone or fax?
No.

What are the electronic notarial acts a Virginia electronic notary is authorized to perform?
The following types of notarial acts may be performed electronically:

Take acknowledgments;
Administer oaths and affirmations (e.g., jurats);
Certify affidavits or depositions;
Certify “true copies” of documents;
Perform a verification of fact.

Must an electronic register of electronic notarial acts be kept by the notary?
Yes.

A notary performing electronic notarial acts shall keep, maintain, protect, and provide for lawful inspection an electronic record of notarial acts that contains at least the following for each notarial act performed:

the date and time of day of the notarial act;
the type of notarial act;
the type, title, or a description of the document or proceeding;
the printed name and address of each principal or signer;
the evidence of identity of each principal in the form of either a statement that the person is personally known to the notary, a notation of the type of identification document presented by the principal/signer, which may be a copy of the driver's license or other photographic image of the individual's face, or the printed name and address of each credible witness swearing or affirming to the person's identity, and, for credible witnesses who are not personally known to the notary or electronic notary, a description of the type of identification documents relied on by the notary; and the fee, if any, charged for the notarial act.
if the notary uses video and audio conference technology authorized under VOC § 47.1-2 and the principal's identity has been ascertained upon presentation of satisfactory evidence of identity pursuant to VOC § 47.1-2, the electronic notary shall keep a copy of the recording of the video and audio conference and a notation of the type of any other identification used.

It is a requirement of law that every electronic notary shall take reasonable steps to ensure the integrity, security, and authenticity of electronic notarizations, maintain a backup for his electronic record of notarial acts, and ensure protection of such backup records from unauthorized use.

The electronic record of an electronic notarial act must be maintained for a period of at least five years from the date the notarial act was performed and recorded in the notary’s electronic register.

How is a principal signer in an electronic notary act Identified? 
A signer requesting an electronic notarization may be identified by:

an antecedent in-person identity proofing process in accordance with the specifications of the Federal Bridge Certification Authority, or a valid digital certificate accessed by biometric data or by use of an interoperable Personal Identity Verification card that is designed, issued, and managed in accordance with the specifications published by the National Institute of Standards and Technology (NIST) in Federal Information Processing Standards Publication 201-1, "Personal Identity Verification (PIV) of Federal Employees and Contractors," and supplements thereto or revisions thereof.
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