Wednesday, September 26, 2018

Home Equity

As a Notary Signing Agent you are expose to refinance loans, buyer and seller packages, reverse mortgages, HELOCs, Home Equity Line of Credit; now, what is Home Equity?
Home Equity: Current market value minus liens.
Liens: Is a claim on a residential property for the homeowner's unpaid bills like a mortgage. A lien is a legal document filed through the office of the recorder or court clerk in your county of residence.

As Mr Johnson explains:  Your home equity is an asset that indicates how much of your home has been paid off and is fully owned by you. If you purchased your home outright with cash, lucky you; your equity is simply the total amount of your home’s appraised value. However, most homebuyers have to finance real estate purchases with a mortgage.

In this case, your home equity is simply the market value of your home minus the current balance of your mortgage. Your first stake of equity in your home is your down payment, and your equity increases as you pay down your mortgage loan and/or as your home’s value appreciates.

So you can use that home equity by getting a second mortgage, HELOC or buying a new home.

Want to know the value of your home?
Ask Rick Johnson or watch his short video.

Mortgage Broker/Real Estate Agent/Solution Expert
Village Financial Group, Inc.
NMLS#360614 CaBRE#01711076


Sergio Musetti Notary Public, Apostille, Spanish Translation, Servicio de Apostilla en California

Friday, August 31, 2018

What happens if you don't have a will?

Many times I am asked to notarize a will. In California a Will has to be dated and signed by the testator. ... we do not notarize a Will like some other states do. However, what happens if you do not have a will?  That is part of Estate Planning.   Read this example.

Last week the New York Times reported that Aretha Franklin died at the age of 76 without having a Will or Trust in place. The Queen of Soul left behind an estate valued at nearly $80 million dollars, which number is expected to grow, given her valuable musical works. In light of this revelation, many are wondering, what will happen to her assets?

Who gets her money? Not her grand kids, charities or her unmarried life partner. Although the star’s failure to sign a Will does not mean immediate peril for her estate or loved ones, the lack of proper estate planning will result in unnecessary delay and the loss of millions of dollars. When a person dies without having a valid Will in place, a set of state laws called intestate succession provides that a decedent’s property will pass to his or her direct surviving heirs. In Aretha Franklin’s case, she is survived by her four sons. Accordingly, her estate will likely be equally divided among her sons. However, this distribution scheme may not have been what Ms. Franklin had in mind. For example, at the time of her death, Ms. Franklin was in a long-term relationship; however, she and her partner never married. Under current intestacy laws, in order to inherit from your partner’s estate you must have been legally married at the time of death. Accordingly, it is unlikely that Ms. Franklin’s life partner will receive a share in her estate. Additionally, it is reported that one of her sons may have special needs. If an individual with special needs inherits directly, he or she could lose any aid currently being received and they may be otherwise at risk of harm. The musical icon also had a host of grandkids. By failing to execute a Will or Trust, no provisions can be made for their college or healthcare through her estate.

Without proper planning, children with special needs may be harmed. Estate planning includes planning for those with special needs. Very often, individuals with special needs receive state aid, such as Medicaid, Social Security and even special housing. There are estate planning strategies, i.e., Special Needs Trust planning, one can use to create a legacy for their loved ones that will not jeopardize that individual’s eligibility for extra help. In addition, a Special Needs Trust is administered by a Trustee, whose responsibility it is to secure the assets in the Trust. At times, when people with special needs inherit directly (not through a Trust), they may be at risk of being harmed by those around them.

The lack of proper planning means the estate misses out on efficient tax saving deductions! Aretha Franklin, an American icon, was well known for using her platform and deep pockets to support racial and woman’s equality initiatives. Given that Ms. Franklin neglected to sign a Will or Trust, her estate will not include any legacy distributions to advance any of these charitable causes. The lack of proper estate planning also means that her estate will miss out on crucial tax savings deductions, such as an estate tax deduction for charitable gifts. Presently, the federal estate tax rate stands at 40% for estates that exceed $11.2 million dollars. Luckily, for most Americans estate taxes will not be an issue; however, this is not the case for Aretha Franklin. It is unlikely that the legendary crooner would have wanted nearly half of her estate to be paid over to the tax authorities versus creating a legacy through charitable trusts to support her interests.

The failure to plan could mean the estate’s loss of the superstars’ music rights and digital assets Highly specialized estate planning is required in order to protect the rights of an estate to a deceased artist’s royalties, musical works, and extremely valuable digital content. These rights are all governed by a mix of contract, copyright, and intellectual property law. Ms. Franklin’s failure to execute a Will means that her estate can possibly lose the ability to (1) market her musical works, (2) continue receiving income from the music she left behind, and (3) control how her music is used on a public platform.

  Conclusion – everyone, famous or not, should have their end of life and estate planning affairs in order. Ms. Franklin is not alone when it comes to legendary stars dying without a Will. The same thing occurred to Prince, Kurt Cobain, Jimi Hendrix, Bob Marley and a host of others. Given these stars' impressive careers and undeniable access to legal representation, one would think that their end of life affairs would all be in good order, but sadly, this was not the case. Proper estate planning is important for everyone, famous and non-famous alike. Executing your advance directives lets you decide who should be in control of your affairs, how and to whom your assets should be distributed, and what tax saving incentives your estate can benefit from. For more information, please call our office at (916) 729-1307 or visit our website:

Monday, June 4, 2018

Real Estate Transactions. Seller Closing.

Lourdes Mendoza, Real Estate Agent, Fusion Real Estate Network

"I consider myself extremely fortunate to be doing exactly what I want to do in life. In my case this means working with my family and friends, friends of my friends, and other personal referrals to buy and sell real estate in the greater Sacramento area, as well as in Sutter, Yolo and Yuba Counties. I lived in Marysville until I graduated from Lindhurst H.S. After H.S., I was off to CSU Sacramento where I obtained a B.S. in Communication Studies. Coming from an agricultural, migrant background, my parents did not have the means to pay for my college education so I put myself through school by working in the fields during summer break and then by working as a student assistant. While in college, I experienced my first major success in life. I was able to travel abroad and live in Sweden as an international student for one year. One of the most rewarding experiences! I knew then that anything was possible. I felt very proud to live in a different culture and to be able to adapt so well. The highlight of my year abroad was traveling to St. Petersburg, Russia. I enjoy being a Realtor because I love working closely with individuals and learning about their goals and dreams of home ownership. I am excited to assist individuals in attaining their goal of homeownership. The most important thing to know is, I am professional and I seek education in order to stay current on an ever changing Real Estate market. I would never expect to be given your business because of our relationship, or how we may know each other. However, if you ever have a residential real estate need, I would be extremely honored if you would give me an opportunity to work hard for you to earn your business. Thank you so much for taking the time read a little about me. It is appreciated. "

Zillow | Trulia | Realtor | ActiveRain | NAHREP Board of Directors 

Sergio Musetti, Spanish/Italian National Notary Association Certified Notary Signing Agent. | SigningAgent | LinkedIn | Carmichael Mobile Notary |

Thursday, May 17, 2018

Sacramento County Mobile Spanish Notary NNA SigningAgent background update

Background check valid until 2019.
National Notary Association Certified Signing Agent
Sacramento County mobile bilingual Spanish Notary Public
Carmichael 95608 traveling Notary. For loan signings, FHA, conventional, buyer or seller package, purchase, HELOCs, VA, also covers Yolo and Placer counties.

123notaryNotary Rotary, National Notary Association, Notary Cafe, Carmichael Google Notary, Snapdocs

Signup as a Notary

Friday, May 11, 2018

Notary Advertising

Notary Public advertising group in Google. Promote your Notary services: Include coverage area, links to your website(s), certifications and anything else you would like to share. Must have a Google account. Just visit Google Advertising Group

This is how the Group looks like:

Thursday, May 10, 2018

Carmichael. Sacramento County Housing Inventory, Real Estate.

 The table represents aggregated values based on MLS data for the specified date.

Kelli Foley         916-284-8519
Trillium Real Estate
4901 Marconi Ave, Carmichael, CA 95608

Kelli Foley
(916) 284-8519
Office: (916) 606-1442
Fax: (866) 805-6479
CA DRE License #: 01246994 
 Carmichael,Homes,Agent,houses,Condos,Investments,Duplex,for,sale,real estate,Realtor, Broker,Sell,Fast, Buy,Sacramento,Fair Oaks,North Highlands,Arden-Arcade, Ugly Homes, Cash for Homes

Carmichael mobile Notary Public S Musetti 833-737-6644  Spanish Notary Signing Agent, Sacramento County Notary, California Apostille same day  Service

Carmichael Homes For Sale, Best real estate Agent in Carmichael, Real Estate Investments, Sell my house fast, How to buy a home in Sacramento

Monday, May 7, 2018

Carmichael Real Estate

Trillium Real Estate
4901 Marconi Ave, Carmichael, CA 95608

Izzy DeLancey
Email me
(916) 271-2100

Kelli Foley
Email me
(916) 284-8519

Terri Martinez
Email me
(916) 947-7002

Diane Masterpole
Email me
(916) 798-7508

Christina Stark
Email me
(916) 207-1688

Justin Gardner
Email me
(916) 995-1369

Tuesday, April 3, 2018

Industry changes

The Bill S.2155 passed the Senate on March 2018.
03/14/2018 Passed/agreed to in Senate: Passed Senate with an amendment by Yea-Nay Vote. 67 - 31.
The CHOICE Act would:
  • Reduce regulatory burdens on institutions based on capital levels irrespective of asset size
  • Reduce the Financial Stability Oversight Council's powers
  • Repeal Dodd–Frank's orderly liquidation authority, and
  • Scale back the Consumer Financial Protection Bureau's (CFPB) powers.
Among other changes this bill amends the Truth in Lending Act to allow institutions with less than $10 billion in assets to waive ability-to-repay requirements for certain residential-mortgage loans. Other mortgage-lending provisions related to appraisals, mortgage data, licensing of loan originators, manufactured homes, escrow requirements, and transaction waiting periods are also modified.

It also requires credit reporting agencies to provide credit-freeze alerts and includes consumer-credit provisions related to minors and veterans.More information on the Congress Government page.


Monday, March 26, 2018

Form 4506

Chase loan packages no longer require 4506T

Sergio Musetti

Friday, February 23, 2018

Printing letter and legal paper cases, 10 reams, 5000 sheets best prices.

  • Best price found so far for legal size 8.5 x 14 paper cases:

Spectrum 30% Recycled Multi-Use paper contains 30% post-consumer fiber, making it an excellent solution for those who choose recycled products for their home and business needs. Engineered to the same high quality standards as non-recycled papers, this performer is suited for copiers, laser and ink jet printers and high volume imaging machines. Spectrum Recycled Multi-Use is an ideal option for general business printing when the benefit of using a recycled product is imporltant.

  • Best price found so far for letter size  8.5 x 14 paper cases:

  • 10 reams of 8.5 x 11 inch multipurpose copy paper (5,000 sheets total)
  • Works with laser/inkjet printers, copiers and fax machines
  • High-quality 20-pound weight for economical printing and resistance to paper jams
  • Bright white for better contrast; 92 GE brightness (104 Euro)
  • Acid-free paper

Checked on February 23, 2018. Prices may change anytime.

Wednesday, February 7, 2018

Anker 3-Port USB 3.0 Portable Data Hub with 1 Gbps Ethernet Port Network Adapter

For faster connection I use Ethernet cable, but if you are on the road is also good to have several USB ports available.  A Surface computer does not have Ethernet so this accessory solve the problem.

3-Port USB 3.0 Portable Data Hub with 1 Gbps Ethernet Port Network Adapter for Macbook, Mac Pro / mini, iMac, XPS, Surface Pro, Notebooks, Desktop PCs, USB Flash Drives, Mobile HDD,

  • The Anker Advantage: Join the 20 million+ powered by our leading technology.
  • Quick Sync: Enjoy data transfer speeds of up to 5 Gbps. Transfer an HD movie in seconds.
  • Cabled Connection: Get reliable, fast access to the web at speeds of up to 1 Gbps through the Ethernet port.
  • Compact and Convenient: Distinctive “power-bar” design takes up the least possible amount of space in your computer bag.
  • What You Get: Anker 3-Port USB 3.0 Portable Data Hub and Ethernet Network Adapter, 1.6ft / 50cm USB 3.0 cable, welcome guide, our fan-favorite 18-month warranty and friendly customer service.

3-Port USB 3.0 HUB with Ethernet
3 x USB 3.0 Ports and 1GB Ethernet Port enable you to access rapid data transfer and wired internet connectivity immediately via 1 sleek, heavy-duty hub. Plug in and unlock ultimate convenience.
  • Transfer more, transfer smarter.
  • Lightspeed connectivity.
  • Ultra portable.

It only cost approximately $12 for 50 feet of Ethernet cable so you can get to the router easily.

Smallest USB 4-port hub

Accessories that come handy for notarization with a desktop, laptops or a surface computer.

USB Hub.

USB Hub, Vogek World's Smallest 4-Port USB 2.0 Hub, 2.5 x 0.8 x 0.7 Inch

  • 1. The World's Smallest 4-port USB hub, lightweight and compact size (2.5 x 0.8 x 0.7 Inch) for added portability
  • 2. Expand 1 USB port into 4 USB ports, connect 4 devices to this tiny USB hub simultaneously without creating a mess
  • 3. Supports hot-swap function and no driver needed, supports USB 2.0 transfer rates up to 480 Mbps
  • 4. Support windows XP/vista/7/8.1, Mac OS X or above, Linux. Reverse compatible with USB 1.1
  • 5. Small and portable USB hub, a great companion of travelling
Image result for Vogek World's Smallest 4-Port
Product Description
Connect 4 devices to your PC easily and conveniently with this Super Mini 4-port USB hub. Expand one USB 2.0 port into four. It is especially great for notebook need to connect multiple USB devices at once and fully backwards compatible with USB 1.1 product. Lightweight and compact design (2.5 x 0.8 x 0.7 Inch) for added portability.

Product Size: 2.5X0.8X0.7 inches
Material: ABS
Weight:1 oz
USB Version: USB 2.0(compatible with USB 1.1)
Support System: Windows XP/Vista/7/8/8.1/Mac 9.1 and above

I use surface for digital signings and electronic notarizations(you and clients can sign on the screen with the fingers); it would be great to be able to have an Ethernet connection(faster) so you can connect to a router anywhere. For this I prefer the 3 USB ports with an Ethernet port.

Wednesday, January 24, 2018

Notary Telephone

We all use a cellphone but what if you want a tool free number, or a system in the cloud that handles everything?
There are different options.


Complete cloud phone system for individuals and small teams
As low as
19 99
  • Up to 10 users
  • Toll-free or local number
  • 100 toll-free minutes/mo
  • 4 people video conferencing


Complete cloud phone system for small businesses
As low as
24 99
  • Unlimited users
  • Toll-free or local number
  • 1,000 toll-free minutes/mo
  • 4 people video conferencing
  • Unlimited internet fax



Best for flexible teams and departments
As low as
34 99
  • Unlimited users
  • Toll-free or local number
  • 2,500 toll-free minutes/mo
  • 50 people video conferencing
  • Unlimited internet fax
  • Automatic call recording


Designed for complete workforce integration
As low as
49 99
  • Unlimited users
  • Toll-free or local number
  • 10,000 toll-free minutes/mo
  • 75 people video conferencing
  • Unlimited internet fax
  • Automatic call recording
  • Voicemail-to-text

They also provide a fax system eliminating the expense of fax machines, phone lines, and supplies.  Shared fax number(s) included with plan, Send and receive faxes on your PC, via email, or with the RingCentral Mobile App, Cloud integration (Box, Dropbox™, Google Drive™, Microsoft Outlook®), and Web support.

Tuesday, January 16, 2018

Certificate of Trust

                                                                        Diferencias entre Testamento y Fideicomiso

As a certified Signing Agent I often notarize loan packages.  Some of the properties are in a trust*.   So, if your property is in a trust and you will refinance the property or transfer property in or out of your living trust, the bank or lender want to verify that you have the authority and that the trust exist.  So the financial institution will provide the Notary with the refinance package including a page called the Certificate of Trust.
The trust document may have a large number of pages and private information.  The loan package provides a page titled Trust Certificate or Certificate of Trust.  This  is a condensed version of the trust, which leaves out details of what property is held in the trust and the identity of the beneficiaries.  In other words,the Certificate of Trust verifies the trust’s existence, explains the powers given to the trustee, and identifies the successor trustee.
This document usually it is a page that the borrowers complete and sign.  See example below; the notes on red is an explanation of what should be filled in the blanks. This may be useful to notaries since the clients sometimes don't know the jargon.


I / We, names of trustees, confirm hereby and attest to the following facts circumstances and relative to the below mentioned trust:
1. Name of trust:          the name of the trust 
is currently in existence and was created on date of trust.
2. The trust was established by:        The trustmaker, also referred as grantor, trustor or                                                                         settlor, the person that created the trust.
3. The current trustee(s) of the trust is/are:    Write the name(s) of the current trustees.
4. The power(s) granted to the trustee(s) include:
(A) The power to sell, convey and exchange the real property which is the subject of this transaction.
Yes__   No__                If they can sell or exchange the property choose yes.
(B) The power to borrow money as well as mortgage and encumber the subject property with a Deed of Trust.
Yes__   No__               If they can borrow money choose yes.
5. The trust is (A) Revocable or (B) Irrevocable and is revocable by the following party(ies):
If the grantor may amend or revoke the Trust at any time, without notifying any beneficiary then choose  (A)
6. Describe which trustees or combination thereof which are authorized to exercise the powers mentioned in paragraph 4. If the trust has multiple trustees and less than all the trustees are going to execute the document necessary to complete this transaction.
                                       Add names of trustees that are signing.
7. The trust identification number is as follows (last four digits of SSN, etc.):
                                Add last 4 digits of SSN of trustee.
8. Title to trust assets shall be taken in the following fashion:
Normally, the title to trust assets would state the name of the trustee(s) of the trust, the name of the trust itself, and the date of the trust, for example: John Doe, as trustee of the John Doe Trust, dated January 1, 2012.

The undersigned trustee(s) hereby declare(s) under penalty of perjury that the trust described above has not been revoked, modified, or amended in any manner which would cause the representations contained herein to be incorrect.

This certification is signed by all of the currently acting trustees who declare the above to be true and correct.

Dated: __________

__________________                ______________________
Signature of trustee                              Signature of trustee

Como agente de firmas certificado, a menudo notarizo los paquetes de préstamos, compras o refinanciamiento. Algunas de las propiedades están en un fideicomiso*. Por lo tanto, si su propiedad está en un fideicomiso y refinanciará la propiedad o transferirá la propiedad dentro o fuera de su fideicomiso activo, el banco o prestamista quiere verificar que usted tiene la autoridad y que existe el fideicomiso. Por lo tanto, la institución financiera proporcionará al Notario el paquete de refinanciamiento, incluida una página denominada Certificado de Fideicomiso.

El documento de confianza puede tener una gran cantidad de páginas e información privada. El paquete de préstamo proporciona una página titulada Certificado de confianza o Certificado de confianza. Esta es una versión condensada del fideicomiso, que deja de lado los detalles de qué propiedad se mantiene en el fideicomiso y la identidad de los beneficiarios. En otras palabras, el Certificado de Fideicomiso verifica la existencia del fideicomiso, explica los poderes otorgados al fiduciario e identifica al fiduciario sucesor.

Este documento generalmente es una página que los prestatarios completan y firman. Vea el ejemplo a continuación; las notas en rojo es una explicación de lo que se debe llenar en los espacios en blanco. Esto puede ser útil para los notarios ya que los clientes a veces no conocen la jerga.


Yo / Nosotros, nombres de los fideicomisarios, confirmo por la presente y atestiguo los siguientes hechos y las circunstancias en relación con el fideicomiso mencionado a continuación:

1. Nombre de la confianza: el nombre de la confianza
actualmente existe y fue creado en fecha de confianza.

2. El fideicomiso fue establecido por: El fideicomitente, también referido como otorgante, fideicomitente o fideicomitente, la persona que creó el fideicomiso.

3. El (los) fideicomisario (s) actual (es) del fideicomiso son (son): Escriba el (los) nombre (s) de los fideicomisarios actuales.

4. Los poderes otorgados a los fiduciarios incluyen:
(A) El poder de vender, transportar e intercambiar los bienes inmuebles que son el objeto de esta transacción.
Sí__ No__ Si pueden vender o cambiar la propiedad, elije sí.
(B) El poder de pedir prestado tanto dinero como hipoteca y gravar la propiedad del sujeto con una Escritura de Fideicomiso.
Sí__ No__ Si pueden pedir prestado dinero, elija sí.

5. El fideicomiso es (A) revocable o (B) irrevocable y revocable por la (s) siguiente (s) parte (s):

Si el otorgante puede enmendar o revocar el Fideicomiso en cualquier momento, sin notificar a ningún beneficiario, elija (A)

6. Describa cuáles fideicomisarios o una combinación de los mismos están autorizados a ejercer los poderes mencionados en el párrafo 4. Si el fideicomiso tiene varios fiduciarios y menos de todos los fiduciarios van a ejecutar el documento necesario para completar esta transacción.
Agregue los nombres de los fideicomisarios que están firmando.

7. El número de identificación del fideicomiso es el siguiente (últimos cuatro dígitos del SSN, etc.):
Agregue los últimos 4 dígitos del SSN del administrador.

8. El título de los activos del fideicomiso se tomará de la siguiente manera:
Normalmente, el título para los bienes en fideicomiso debe indicar el nombre del fideicomisario (s) del fideicomiso, el nombre del fideicomiso mismo y la fecha del fideicomiso, por ejemplo: John Doe, fiduciario del Fideicomiso John Doe, fechado 1 de enero de 2012.

El fideicomisario abajo firmante declara (n) bajo pena de perjurio que el fideicomiso descrito anteriormente no ha sido revocado, modificado o enmendado de ninguna manera que pudiera causar que las representaciones aquí contenidas sean incorrectas.

Esta certificación está firmada por todos los fideicomisarios actualmente en funciones que declaran que lo anterior es verdadero y correcto.

Fechada: __________