Carta de Regalo - Gift Letter.

A gift letter is written correspondence explicitly stating that money received from a friend or relative is a gift. Gift letters often come into play when a borrower has received assistance in making a down payment on a new home or other real estate property.

Gift Letter I, ____________________________________, hereby certify that I/We given/will give a gift of $ _____________________ to _________________________, my ______________________________ for the premises located at ______________________________________________________________ on ______________________________. I/We certify that this is a bona fide gift and there is no obligation, expressed or implied, to repay this sum in cash or other services of any kind now or in the future. I/We understand that this gift will require documentation, including proof I/We have given the gift from the account listed below, and proof that the funds have been received by the applicant or the applicant’s attorney prior to settlement. THE LENDER may confirm that the funds came from the account listed below: Name of Depository or other Source: ________________________________________________ Address of Same: ________________________________________________ Account Number: ________________________________________________ I/We Certify that the funds given to the applicant were not made available to the donor from any person or entity with an interest in the sale of the property including the seller, real estate agent, builder, loan officer, or any entity associated with them. _____________________________________ __________________________________ _____________________________________________________________________________________ _____________________________________ __________________________________ NECESSARY DOCUMENTATION FOR ALL LOANS (FANNIE MAE, FREDDIE MAC, FHA, USDA, VA): 1. Verification that gift funds were deposited into applicant’s bank account (bank statement) or attorney trust account (escrow letter) 2. Donor’s bank statement evidencing funds came from donor’s account WE ARE AWARE OF THE FOLLOWING:I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provision of Title 18, United States Code, Section 1014 and Section 1010.

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SPANISH 

Algunas cartas de regalo tienen que ser firmadas y notariadas (Notary Public) dependiendo de que organismo las pide.

Que es una carta de regalo?
Los fondos que se le entregan a la carta de regalo y certifica que los fondos son un regalo y no hay obligación de pagar en ningún momento.
Carta de regalo:  Dinero del estado que alguien utiliza para el pago inicial o para otros fines provenientes de un amigo o un regalo familiar, sin la creación de ninguna deuda.  La gente envía cartas de regalos a los prestamistas y a las agencias gubernamentales.

Algunas instituciones bancarias exigen la firma legalizada de un documento que indica que la persona que recibe un préstamo declara que ha recibido o recibirá dinero que no tiene que devolver, quien le manda el dinero, para que se usara el dinero y otros detalles para satisfacer el que aprueba los prestamos, bancos, underwriter, etc.

Ejemplo de Carta de Regalo:

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Carta de Regalo

Yo, _______________, por la presente certifico lo siguiente:

1. He hecho una donación de $___________ a _______(nombre del que recibe el dinero)

cuya relación conmigo es: __________________(familiar, amigo, etc)

(información del banco donde se origina el envio de dinero)

2. Este regalo se aplicara para cubrir los gastos relacionados con _______________________
(si compra una propiedad, o hace un refinanciamiento, etc., describa y ponga los datos o información).

3. No se espera ni esta implícito ningún reembolso del regalo en forma de efectivo o por servicios futuros del destinatario.

4.  No soy y no tengo una afiliación con el constructor, el desarrollador, el agente de bienes raíces o cualquier otra parte interesada en la transacción (excepto en el caso de un regalo).


_________________________                            ___________
Firma del Donante                                                       Fecha



___________________________________
           Nombre del Donante


____________________________________________________________________
                                     Dirección del Donante


_____________________
   Numero de Teléfono

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Si usted ha recibido una petición de algún organismo o agencia para proveer una carta de regalo legalizada, notariada, o si va a otro país, también apostillada, ellos le darán  características adicionales o puntos para incluir en dicha carta. Ejemplos:


Si este depósito importante fue un regalo: 

• Carta de regalo firmada (que el prestamista puede proporcionar). 
• Copia del cheque correspondiente al regalo. 
• Copia del recibo de depósito.

Otros documentos que podría necesitar (si corresponde):

• Documentación de regalos. Copia de la carta de regalo firmada y comprobante de la transferencia de fondos del donante a su cuenta. Esto podría ser una confirmación de transferencia bancaria o una copia del cheque y comprobante de depósito. Algunos programas de préstamo requieren pruebas de la capacidad del prestatario para otorgar el regalo, que normalmente es una copia del estado de cuenta del donante.
 Carta de regalo: Una carta que escribe un miembro de su familia para verificar que le ha dado una cantidad de dinero como donativo y que usted no necesita devolver. Usted puede usar este dinero para pagar una parte de su pago inicial mediante algunos productos hipotecarios.





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Form 4506

Chase loan packages no longer require 4506T

Sergio Musetti

Notary Public Background Check

The National Notary Association mentions why a background check for Notary Public Signing Agents is necessary. "Why do I need to participate in a background screening?
In order to guard borrowers' private financial information, the mortgage industry requires all persons involved in the lending process to undergo background screenings. Lenders in turn instruct title services companies to ensure that everyone with access to mortgage documents has been screened. This requirement applies to everyone handling loan documents, including Notaries who act as Signing Agents."

Notaries talk about issues regarding the background check. Read or ask questions at the Notary Rotary forum, Notary Cafe forum, or 123Notary Forum.

Some companies ask you for a background check, some others don't. So call them and ask their policies, will they give you higher fees, how secure is your information in their hands, will they accept background check from recognized companies?

Thumbtack. Carmichael, Sacramento County Mobile Notary Signing Agent

Carmichael, Sacramento County Notary Public Signing Agent.

Notarize documents at your location.  Power of attorney, business, legal, personal, financial documents. As a Notary Signing Agent we can help you notarizing documents for refinance, purchase loans, HELOCs, reverse mortgages, conventional loans, FHA, VA, etc.
For mortgage brokers, escrow officers, Realtors, title companies, signing agencies, the signings coverage: Sacramento, Yolo and Placer counties.

Setup your appointment for general notary service in Sacramento County at
Sergio Musetti  Tel 707-992-5551.







"Our technology is transforming the way people accomplish any project, anywhere, anytime. Just tell us what you need done. We'll quickly deliver customized quotes so you can compare prices, read reviews, and hire the right professional on the spot." Thumbtack.

Notaries Crossing the line

Are you doing a little bit more than notarizing an Acknowledgment or Jurat?  If you do, is it better to ask other notaries,  or your Notary association like to NNA hot line for advise?   Take a look at this case.

Suppose you have two children. Your daughter is very capable, very mature, very responsible. Your son has a developmental disability, or a drinking problem, or just problems handling money. What should you do with any inheritance you leave to your son? Put it in a trust? Make your daughter trustee?

Again and again clients tell us that they don’t want to do that. It seems like a lot of fuss, and probably the son whose inheritance goes into a trust will feel injured, like maybe his parents have said they don’t trust him, or don’t value him. Can’t you just leave everything to your daughter, and tell her to be sure to take care of her brother? Won’t that work?

No.

That’s essentially what Howard Kaufman (not his real name) decided to do. By all reports Howard was very strong-willed and domineering. He had a living trust, written in 2002, which divided most of his estate equally between his two daughters. He named his daughters as successor co-trustees.

Howard’s older daughter, Diane, was blind, diabetic and receiving Social Security Disability benefits. His younger daughter, Jackie, was a successful business woman.

In 2009, Howard decided to change his trust’s terms. He called a meeting with Jackie and his long-time girlfriend (Diane was not included); he arranged for a notary to be present. He told the three of them that he had changed his mind, and that he was going to disinherit Diane. He told Jackie that it would be her duty to see that Diane was “taken care of” with the inheritance she was to receive. Then he had the notary prepare amendments to his trust removing Diane as a beneficiary.

When Howard died, Diane was surprised to learn that she had been left out of his estate plan. Nonetheless, she turned to her sister to continue the pattern Howard had set of helping out so that she could live on her Social Security and disability insurance payments. Jackie declined to continue his pattern of gifts; she insisted that her father had left her his estate (of approximately $4 million) to “do with as I will.”

Diane ended up suing her sister. The theory of her lawsuit, though, was unusual. Rather than arguing that the trust change was invalid, or that Jackie had unduly influenced their father, she sued for a breach of contract. Her theory: Jackie had promised to take care of her, and it would take about $2 million over her lifetime to do that. She also claimed that Jackie had taken advantage of both their father (a vulnerable adult) and Diane (a dependent adult).

The jury in Diane’s case found that Jackie had broken her promise, and had taken advantage of Diane. The jury awarded actual damages of $1.4 million, plus punitive damages of $260,000 and attorneys fees of another $700,000. The jury also ruled against Diane with regard to the vulnerable adult claim — it found that Jackie had not taken advantage of their father. Jackie appealed the judgments against her.

The California Court of Appeals upheld the verdict. It ruled that Diane’s lawsuit was not a disguised trust contest, and that it was not inconsistent that they found Jackie had exploited Diane but not their father. One of the main issues: whether Diane was entitled to a jury trial on her claim. The appellate court ruled that she had, and that Jackie’s promise to take care of her sister was an enforceable contract. Kalfin v. Kalfin, October 15, 2013.

What is the lesson to be learned from Howard’s trust case and his daughter’s lawsuit? There are several, but two key ones jump out:

1. Disinheriting your child with disabilities and relying on another child to “take care of” them is not a reliable way to handle division of your estate. It might work, but there are real risks — and the cost and family disharmony resulting from litigation is almost certainly worse than what would be involved in simply setting up a trust for te child with a disability.
2. Do you have a child with a disability? A complicated estate? Uncommon wishes? Talk to a lawyer. A notary public is not going to be the best choice for drafting your estate plan. The cost of doing it right will be way, way less than the cost of dealing with the aftermath.

Robert Fleming is the author of The Elder Law Answer Book, now available from Aspen Publishers. He is a Fellow of both the American College of Trust and Estate Counsel and the National Academy of Elder Law Attorneys. He has been certified as a Specialist in Estate and Trust Law by the State Bar of Arizona's Board of Legal Specialization, and he is also a Certified Elder Law Attorney by the National Elder Law Foundation. Fleming & Curti, P.L.C. 330 N. Granada Avenue, Tucson, Arizona 85701

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¿Cómo legalizar y convalidar títulos?  

Convenio de La Haya
De acuerdo con el más reciente informe del Ministerio de Relaciones Exteriores, por región, estos son algunos de países que permiten apostillar:

Europa:- Alemania.
- Reino Unido.
- España.
- Francia.
- Italia.
- Austria.
- Croacia.
- Bulgaria.
- Grecia.
- Irlanda.
- Suecia.

América
- Estados Unidos.
- Honduras.
- Argentina.
- Panamá.
- Belice.
- Colombia.
- México.
- Trinidad y Tobago.

Asia:
- India.
- Japón.
- China.
- Chipre.
- Rusia. +

An Apostille is a certificate that authenticates the origin of a public documents, certificates like marriage, divorce, birth, death, a judgment, an extract of a register or a notarial attestation. Apostilles can only be issued for documents issued in one country party to the Apostille Convention and that are to be used in another country which is also a party to the Convention. 

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