Starting Your Mobile Notary Business: A Step-by-Step Guide

Leslie Hocker, President, Michigan Notary Association • March 11, 2024

In today's fast-paced world, convenience is key. With the increasing demand for notary services, especially ones that come to you, starting a mobile notary business can be a lucrative venture. If you're organized, detail-oriented, and enjoy helping people with important transactions, launching your own mobile notary business could be the perfect fit. Here's a step-by-step guide to get you started:

Research and Plan

Begin by researching your local market to understand the demand for mobile notary services in your area. Identify your target market, potential competitors, and pricing strategies. Develop a business plan outlining your goals, services offered, marketing strategies, and financial projections.

Get Educated and Certified

The state of Michigan does not require any education (as of this writing), but studies have shown that people hire professionals who have invested in research, education, and training, even when it’s not mandated. Joining organizations and associations that support notaries shows your willingness to take your business to a level beyond just a signature and a stamp. Once certified, you'll be equipped with the knowledge and skills necessary to perform notarial acts legally and correctly. Most organizations, including the Michigan Notary Association, provide a hotline for help if you find yourself in a situation you are unfamiliar with. Utilizing resources like this helps boost your knowledge and shows the client that while you might not have all the answers at your fingertips, you have the resources to get the answers, and are willing to do so instead of winging it.

Obtain Necessary Licenses

Check with your local and state government or county clerk's office to determine if you need any additional licenses or permits to operate your mobile notary business legally. Compliance with all regulatory requirements is crucial to avoid potential fines or penalties, especially if you are a mobile loan closer.

Invest in Equipment

As a mobile notary, you'll need to invest in essential equipment such as a notary stamp or seal, a notary journal to record transactions, and a reliable vehicle for transportation. Additionally, consider investing in a mobile phone, laptop, and portable printer to manage appointments and print documents on the go.

Build Your Brand and Online Presence

Create a professional brand identity for your mobile notary business, including a memorable logo, business cards, and marketing materials. Establish an online presence by creating a website and social media profiles to showcase your services, expertise, and testimonials from satisfied clients.

Market Your Services

Develop a marketing plan to attract clients to your mobile notary business. Utilize both online and offline marketing strategies such as networking with local real estate agents, attorneys, and lenders, advertising in local publications, and leveraging social media platforms to reach potential clients.

Set Your Pricing Structure

Michigan allows a notary to charge no more than $10 per notarization or notarial act. The state also allows a travel fee if the notary is traveling to you. This travel fee must be disclosed prior to traveling. Having your travel fee set prior to accepting jobs helps to expedite the call, and make your client feel like the transaction is more about them than it is about you, making sure your costs are covered. Determine your pricing structure based on factors such as distance to the location, and the time it takes to drive that distance. Consider referring to another notary in your network if your travel fee exceeds anything a reasonable person would be willing to pay. The referral will be returned to you in the future.

Stay Informed and Maintain Professionalism

Stay up to date on changes to notary laws and regulations in your state to ensure compliance and provide accurate services to your clients. Maintain professionalism at all times by arriving on time for appointments, dressing appropriately, and providing excellent customer service.

Starting a mobile notary business requires careful planning, dedication, and attention to detail. By following these steps and providing exceptional service to your clients, you can build a successful business that meets the growing demand for convenient notarial services in your community.

Convenience is a commodity that is highly valued. This is where the role of a mobile notary becomes indispensable. A mobile notary offers a flexible and efficient solution to the often-cumbersome process of notarizing documents for those who have difficulty leaving their home or office to go out to find a notary. Rather than requiring clients to navigate through traffic, find parking, and wait in line at a traditional notary office, a mobile notary brings their services directly to the client's location, whether it's their home, office, or any other convenient meeting place.

Furthermore, mobile notaries cater to individuals and businesses with busy schedules or mobility limitations, making notarization accessible to a wider range of people. Whether it's a busy professional needing documents notarized during their lunch break or an elderly individual unable to travel easily, a mobile notary offers a convenient and inclusive solution.

Mobile notaries provide flexibility in terms of scheduling appointments, often accommodating evening or weekend appointments to accommodate clients' needs. This flexibility is particularly valuable in time-sensitive situations, such as real estate transactions or legal matters, where a delay in notarization could have significant consequences.

Additionally, mobile notaries offer a level of privacy and confidentiality that may not be available in a public notary office. Clients can feel more comfortable discussing sensitive or personal matters in the privacy of their own space, knowing that their documents are being handled securely and professionally.

Overall, the convenience, accessibility, flexibility, and privacy offered by mobile notaries make them an essential service in today's busy world. Whether it's for personal, business, or legal matters, having a mobile notary available ensures that important documents can be notarized quickly, efficiently, and conveniently.

Leslie Hocker is a contributing editor for the Michigan Notary Association blog. Leslie is the President and co-Founder of the Michigan Notary Association, and runs her own mobile notary business, Mobile Notary of Macomb, in Chesterfield Michigan.

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Joining RON platforms as a Michigan Notary

By Heather MacGraine (Guest Post) • February 26, 2025

This article was published first at OnMyWay Mobile Notary

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Can I Accept This ID, or Not?

By Leslie Hocker • December 2, 2024

It’s important for notaries to stay on top of the changes to forms of identification. This is the most important component to our job – identifying the signer. Michigan law 55.285 Performance of notarial acts; scope; verification, Sec 25. 6 (c) states: A notary public has satisfactory evidence that an individual is the individual whose signature is on a record if that individual is any of the following: (a) Personally known to the notary public. (b) Identified upon the oath or affirmation of a credible witness personally known by the notary public and who personally knows the individual. (c) Identified on the basis of a current license, identification card, or record issued by a federal or state government that contains the individual's photograph and signature. This article relates to (c). The notary must identify the signer based on their current license or ID card or record that is issued by a state or federal government , and it must have, so it can be read, the individual’s photograph and signature. We are all familiar with a driver’s license and state ID card. That’s the easy one. So, let’s discuss other ID cards that we might think we can accept, but we cannot. But first, we must address current vs valid. In my experience, asking if the signer has valid ID leads to arriving and finding that the driver’s license is expired. The law says CURRENT, not VALID. Therefore, we must be clear when communicating with the client that the ID must not be expired, as the definition of current is belonging to the present time . This translates to not expired . A better way to ask is, “Does the signer have unexpired ID?” Next, let’s talk about “a” state or federal government. The first operative word here is “a” . Michigan law does not say we can only accept Michigan or even US identification. If you can read the ID, and you can communicate with the signer, and the notarial block is in English, you can notarize using the foreign ID, as long as it follows the same law: State or Federal issued. Now, on to the last part: that contains the individual's photograph and signature . Both the signature and the photograph must be on the ID. There doesn’t need to be an expiration date, as some IDs don’t expire. Take military veteran ID, for example. They don’t expire. Passports, driver’s licenses, and ID cards do expire. Speaking of Passports: When a person applies for a passport in the US, they have a choice of a passport book or card, or both. They are the same application, but the results make the difference in being able to be used as ID. When a passport book is received, the owner signs it, therefore it can be used as identification by a notary. But when a passport card is received, it is already laminated, and it does not get signed. Therefore, a notary cannot accept a passport card as identification, as it is missing the signature. And finally, we need to discuss Military ID. In 2020, the military began rolling out a new method of identifying military members. In 2024, all military members – including spouses and other dependents, and new veterans – began receiving the new ID cards when they needed a new one. These cards have a chip in them and are not signed, so, we cannot use the NEW military ID cards as identification, because they are missing the signature. As a bonus, let’s talk for a moment about CPLs – Concealed Pistol License. These are not to be used as valid ID, as they are not issued by the state or federal government. They are issued by the county, and therefore do not qualify for use by a notary for identification purposes. If you have more questions about this topic, or anything related to notarizing in Michigan, consider our Notary Basic Education class for $59 at https://www.michigannotaryassociation.org/ Group rates are available for groups of 6 or more. Contact LHocker@MichiganNotaryAssociation.org for more information.

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There are THREE Types of Notarization in Michigan

By Leslie Hocker • November 4, 2024

Because learning how to notarize has been largely a game of telephone, many Michigan notaries, no matter how long they have been notarizing, have no idea that we have three types of notarizations. Many states only have two. And when notaries learn how to notarize from social media, this is the most common misunderstanding they come away with. The three types of notarization in Michigan are: Acknowledgement Jurat Witness What is a Witness notarization? In order to fully understand the Witness notarization, we must first understand what an Acknowledgement and a Jurat are. The most common notarization is…truthfully, there isn’t a “most common” type. Let’s review all of them, one at a time. A notarial block is the only part of the document that a notary needs to read and understand, aside from the title of the document. Why? Because the contents of the document are the signer’s concern, the notarial block is the notary’s concern. Sometimes a notarial block will have words like “Acknowledged” or “Subscribed and Sworn”. Those are key words for a notary to know how to navigate this notarization. An Acknowledgement is, essentially, the signer saying - or acknowledging – that he has signed the document. In this instance, the signer can have signed on that date; on a past date; whether with the notary or not. It’s the signer saying, “yep, that’s my signature!” The notary will properly complete the notarial block, will sign, and stamp near the notary signature. The stamp is used to show all the legal credentials of the notary and should look like this, obviously with the notary’s information.

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College Students: Voting is Fundamental – Even When You Are Out of State on Election Day

By Deborah Lowery • September 20, 2024

Federal laws govern voting rights, but state laws govern how an individual can vote. Your voter registration is based on your place of residence. College students may have the option to register to vote either in your hometown or in the state where they attend college, depending on their state's residency laws. While students might live in multiple places, they are only permitted to vote in one. If you're a college student studying outside of your home state, absentee voting is the most convenient way for you to cast your ballot. Absentee voting allows you to participate in elections even if you can't make it to your home polling place. However, some states require additional steps, like a notary or witness signature, to complete your absentee ballot. Here's what you need to know and how our website can help you find a notary for your voting needs. As a college student, you may be registered to vote in your home state but attending school here in Michigan. This makes absentee voting essential. However, depending on where you're registered, your state may require a notary or witness to validate your absentee ballot. Knowing the rules is crucial so your vote counts. Finding an educated and ethical notary can be challenging. The Michigan Notary Association makes it easy. Go to https://www.michigannotaryassociation.org/find-a-notary to locate a notary who can go to you. If your city or county isn’t listed, call or text 313-444-0614 for a direct referral. States Requiring Notary Signatures for Absentee Ballots

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Is a Printed Signature Acceptable and Legal?

By Leslie Hocker • August 21, 2024

In 2010, the powers that governed Michigan decided that cursive does not need to be taught in schools anymore. So, it makes sense that many people did not learn cursive, and therefore, do not sign their name in cursive. But is their signature legal? Yes, it is legal. What is a signature? According to Wikipedia, “a signature is a handwritten depiction of someone's name, nickname, or even a simple "X" or other mark that a person writes on documents as a proof of identity and intent.” Notice it doesn’t mention cursive? What notaries don’t realize is that MiLona is not all encompassing for the laws that govern us. We sometimes must look beyond Michigan Law of Notarial Acts 238 of 2003 to find the answers to questions we might have. For instance: Michigan Law MCL - Section 8.3q “Written” and “in writing” construed (interpreted) The words "written" and "in writing" shall be construed (interpreted) to include printing, engraving, and lithographing; except that if the written signature of a person is required by law, the signature shall be the proper handwriting of the person or, if the person is unable to write, the person's proper mark, which may be, unless otherwise expressly prohibited by law, a clear and classifiable fingerprint of the person made with ink or another substance. History: Add. 1959, Act 189, Imd. Eff. July 22, 1959 ;-- Am. 2005, Act 266 , Imd. Eff. Dec. 16, 2005 However, this situation is actually in MiLona, right on page 2. 55.267 Definitions; S to V. Sec. 7. (b) "Signature" means an individual's written or printed name, electronic signature, or mark, attached to or logically associated with a contract or other record and executed, adopted, or made by the individual with the intent to sign the record. Another instance of MiLona not being all encompassing for notaries is, to learn how to fill out a notarial block properly, one must go to the section of the law that governs deeds. MCL 565.201 Sec 1 states (b) A discrepancy does (can) not exist between the name of each person as printed, typewritten, or stamped beneath his or her signature and the name as recited in the acknowledgment or jurat on the instrument. It is in this same section that reads: (a) The name of each person purporting to execute the instrument is legibly printed, typewritten, or stamped beneath the original signature or mark of the person, and the signature or mark is in black or dark blue ink. Now let’s talk about “ink” . Gel is water based, and therefore not preferred for legacy documents. The law says black or dark blue ink . Notaries typically default to blue, to distinguish their signature from other markings on the page. There had been a law stating the notary must use black ink, but that was repealed in 2013. As for gel “ink”, it is wonderful to write with, however, it doesn’t hold up for legacy documents. Some gel inks are better than others, but how do we know which is which? Ballpoint ink is oil-based, and preferred because it won’t wash or fade if exposed to the elements. Gel can fade, and will run if exposed to water, so therefore, it is a best practice to use ballpoint ink, not gel. Fun fact: Michigan has a bill pending that will require schools to teach cursive, again. It is House Bill No. 4064, and it has passed in the House, and has been referred to the Committee on Education. Click here to learn more about Michigan Notary Laws, and how to incorporate them into your notary career. https://www.michigannotaryassociation.org/#Memberships

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Why Michigan Notaries Deserve Mandatory Training

By Leslie Hocker • July 30, 2024

It’s understandable that notaries wonder if they are doing things correctly, because the state doesn’t train us. The state mandates that new notaries read the law, but they don’t add all the information to the law that we need to notarize properly. For instance, how to fill out a notarial block is in the part of the law for mortgage deeds and is not included in the Michigan Law of Notarial Acts. It only makes sense that notaries understand that the entire Michigan Compiled Laws applies to us, and that the excerpt they call MiLona is only part of what we need to know. It also makes sense that notaries don’t understand, because I have been trying to get the Office of the Great Seal to answer my questions pertaining to the interpretation of MiLona laws, and they won’t. I have asked attorneys too, and some won’t touch my questions, because they don’t interpret the law. Then who does? If interpretation of the law is left to notaries, and what goes wrong is only checked on when someone complains, then being a notary is just a wildcard game. The Michigan Notary Association has been working tirelessly with lawmakers and attorneys and registers of deeds to understand the law, get answers, and bring those answers to all Michigan notaries. From day one, we have been dedicated to the education of all things notary. We are expecting our first Bill numbers this week and will begin the process of raising awareness to the lawmakers who vote for or against legislation. We are asking for mandatory education for notaries. We are asking for all notaries applying for a commission to pass an examination. If this succeeds, we will become the 32 nd state to require either education, an examination, or both. I can’t think of any other job that doesn’t require an education or training of some sort. Yet a notary, whose primary responsibility is to help deter fraud, has no mandated education. If you are craving an education so you can avoid using your surety bond, you can now get a proper education at MINA’s new Copper level. It’s the same class as the full membership receives, and the exam is included. Click here to get started. If you are one of those people who don’t think education is needed, I challenge you to take our mini exam, and see if you can pass it. Email me at LHocker@MichiganNotaryAssociation.org for more information.

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The Contents of the Document are Not Your Concern… And Not Your Business

By Leslie Hocker • July 14, 2024

Confidentiality is the most basic principle of notarial practice. By focusing on your core duties of verifying identity, awareness, and willingness, and by avoiding any unnecessary reading of the documents, notaries can maintain the highest standards of privacy and trust. This not only protects their clients but also preserves the integrity and reputation of the notarial profession. Confidentiality is not just a professional courtesy—it's an ethical obligation. Notaries serve as impartial witnesses in the signing of important documents, but their role extends beyond mere verification. One of the cornerstones of their duty is to ensure the privacy and confidentiality of their clients' information. Confidentiality is a non-negotiable principle. Your clients trust you with paperwork that contains their sensitive personal and financial information, and it is imperative that this trust is not breached. The easiest way to not breach this trust is to not read the document, ever. Remember, the contents of the document are not your concern. You will never be asked, in court or otherwise, to tell anyone what the paperwork said. You will be asked if you issued an oath, if and how you verified the signer’s identity, if your signers were aware of what they signed, and if they were signing willingly or under duress. It is not the duty of the notary to guarantee any of the information in the document. There was a trend for a while where the notary fanned the document and stamped or embossed across all pages. In the State of Michigan’s handbook, it states that a notary Cannot apply their notary stamp or notary embosser pages to show a page belongs within the document. Every stamp or embossing is considered a notarization and requires witnessing a signature and having all the elements of a proper notarization. Notaries must resist the temptation to delve into the specifics of the documents they notarize. Reading the contents of a document is not only unnecessary but also inappropriate. The notary's role is strictly to authenticate the signing process, not to read or know the details of the document. By maintaining this boundary, notaries uphold the integrity of their profession and the confidentiality of their clients. Leslie Hocker is a contributing editor for the Michigan Notary Association blog. Leslie is the President and co-Founder of the Michigan Notary Association , and runs her own mobile notary business, Mobile Notary of Macomb , in Chesterfield Michigan.

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Your Signature Is Your Personal Fraud Deterrent

By Leslie Hocker • June 26, 2024

Identity verification is the main resource for fraud prevention for various transactions and legal agreements, and your signature plays a pivotal role. Each time you sign your name, your signature is the binding mark of your identity and consent. Because of this, it is important to remember that your signature must match the one on your identification documents. Why Does Your Signature Need to Match Your ID? Your signature is a legal representation of your identity. When you sign a document, it signifies that you agree to the terms within. If the signature on your document doesn't match the one on your ID, it can raise questions about the authenticity and your intent. Matching signatures ensure that you are indeed the person who is approving or agreeing to the document's contents. One of the primary reasons institutions require a matching signature is to prevent fraud. If someone tries to impersonate you or forge your signature, a mismatch between their attempt and your official ID signature can be a red flag. This safeguard helps protect your assets and your personal information from unauthorized use. Many transactions require the verification of your identity through your signature. Banks, government offices, and notary publics compare the signature on your ID with the one you provide at the time of the transaction. A consistent signature across all your documents helps in smooth and quick verification, saving you from potential delays and complications. Maintaining a consistent signature across all your documents simplifies record-keeping. It allows entities to track and verify your history of agreements and transactions accurately. This consistency is crucial for personal records, legal documents, and financial accounts. If your signature has evolved over time, consider updating your ID to reflect your current signature. This can prevent discrepancies in future verifications. When signing important documents, take your time to ensure your signature matches your ID. Avoid quick or careless signing, especially in formal or legal settings. Ensuring your signature matches your ID might seem like a simple task, but it’s a vital part of safeguarding your identity and maintaining trust in legal and financial systems. Keep your signature consistent, and you’ll avoid many of the pitfalls that come with identity verification. Leslie Hocker is a contributing editor for the Michigan Notary Association blog. Leslie is the President and co-Founder of the Michigan Notary Association , and runs her own mobile notary business, Mobile Notary of Macomb , in Chesterfield Michigan.

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The Hidden Cost of Discrimination in Business

By Leslie Hocker • June 17, 2024

Discrimination remains a common issue that can significantly undermine the success of any small business. Discrimination, whether based on race, gender, age, disability, sexual orientation, religion, or any other characteristic, has profound and far-reaching effects on a business. Whether the discrimination is in person, shown through your advertising, or even just a simple post on your social media page, you are at risk of losing clients if you put your own beliefs above those of your potential clients. You will lose a good half of your clients if you can’t remain neutral about other people’s choices for their own selves, and if you can’t understand and accept that not everyone looks or acts like you do. Types of Discrimination Racial and Ethnic Discrimination Gender Discrimination Age Discrimination Disability Discrimination LGBTQ+ Discrimination Religious Discrimination Political Discrimination Body Modification Discrimination Michigan Law allows a notary to refuse to notarize for any reason, except discrimination. While many notaries will not discriminate in person, their online presence depicting the intolerance of any of the above could cause a negative impact on their business. Impact on Business Legal and Financial Consequences Reputation Damage Missed Opportunities It is always best to stay neutral, and to be inviting to and accepting of all people. Not only will your business prosper, your mindset will be calmer, and your anxiety will be lower. Leslie Hocker is a contributing editor for the Michigan Notary Association blog. Leslie is the President and co-Founder of the Michigan Notary Association , and runs her own mobile notary business, Mobile Notary of Macomb , in Chesterfield Michigan.

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A Friendly Guide on How to Identify Signers

By Leslie Hocker • June 2, 2024

Without a lot of fanfare, let's dive into how to identify signers for notarization. Identifying signers isn't just a formality; it's the notary's responsibility to ensure that the person signing the document is who they claim to be. This prevents fraud and maintains the integrity of the notarization process. Government-Issued IDs: The most common form of identification is through state or federally issued identification. This ID must have a photograph of the signer and the signature of the signer. This includes: Driver's license Passport State ID card Military ID Ironically, even though the method of obtaining a passport card is identical to obtaining a passport book, a passport card does not have a signature, and therefore cannot be used as identification. The notary must ensure that the name on the ID matches the name on the document. There might be some variations of the name. Think Steve vs Steven. Or First Middle Last name, vs First and Last name. Those are acceptable, if all the other steps are taken. Steps: Examine the ID Carefully: Look for signs of tampering or forgery. Check the expiration date – an expired ID is not valid for notarization purposes in Michigan. Engage the signer in a conversation. This helps you get to know them better and also helps for you to determine if they are confident or nervous. A person presenting stolen or fraudulent ID will likely have a nervousness to their demeanor. Compare the Signature: This is easiest to do if you keep a journal. Whether bound by law or not, this one step can help the notary in so many ways. When the journal is filled out prior to the signing of any documents, it is easy to fill out your journal, have the signer sign the journal, and while you’re still holding the ID card, you can compare the signature. Not all signatures will be totally consistent, but you can see a pattern. Fingerprint or Thumbprint: In some jurisdictions, notaries are required to take the signer's print. Michigan does not mention fingerprinting for notaries. But when I investigated fingerprinting for notaries, I spoke with Barb Self, Departmental Analyst, Applicant Processing and Modification Unit, Michigan State Police. Barb explained that taking a fingerprint of a signer is a fruitless effort as without a fingerprint being on file with a government unit, there is no way to prove that print belongs to the signer without a subpoena. When IDs is Expired or Non-Existent: A Credible Witness can be used if a signer doesn’t have ID, or if it is expired. The Credible Witness must personally know the signer and the notary. The Credible Witness would act as the ID for the signer. The Credible Witness would be recorded in the notary’s journal, and sign it, as would the signer. The Credible Witness would be issued an oath attesting to the identity of the signer. Personally Known. With over 100,000 notaries in the state of Michigan, any person is bound to personally know a notary. If the notary knows the signer well, but is not closely related to the signer (laws apply) the notary can notarize without having to see ID. A notary’s job is to prevent fraud. Without knowing how to properly identify a signer, fraud can prevail. Always keep in mind, we notarize signatures, not documents. The contents of the document are not the responsibility of the notary. Verifying the identity of the signer is the notary's responsibility. Leslie Hocker is a contributing editor for the Michigan Notary Association blog. Leslie is the President and co-Founder of the Michigan Notary Association , and runs her own mobile notary business, Mobile Notary of Macomb , in Chesterfield Michigan.

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