2021十大正规彩票app交易
德州的2021十大正规彩票app交易还在继续吗?
Texas REALTORS®一直与Texas Land Title Association保持联系, 哪些报道称业权代理和公司仍在营业. Title companies have been instituting social-distancing measures and work-at-home measures for staff who can do so. Many title companies are trying to take advantage of remote online notary services; however, TLTA reports some challenge associated with lenders accepting remote online notary services for loan documents.
网上公证
什么是网上公证?
Online notarization permits a signer of documents requiring notarization to “personally appear” before an online notary via real-time, 双向视频和音频交流，而不是亲自出现. 文件可以由签名者以电子方式或“湿”签名签署. 湿签名是用墨水手写的签名. Subchapter C of Section 406 of the Texas Government Code provides that an online notary public shall verify the identity of a person creating an electronic signature at the time that the signature is taken by using two-way video and audio conference technology through:
(i) the online notary’s personal knowledge or through remote presentation by the person signing of a government-issued form of identification such as a passport or driver’s license, 里面有那个人的签名和照片,
(ii) a process or service approved by the secretary of state through which a third person affirms the validity of a government-issued form of identification, or
(iii) a process or service approved by the secretary of state through which a third person affirms the identity of an individual through review of personal information from public and proprietary data sources.
什么是电子公证?
Electronic notarization is the use of an electronic signature and stamp of a notary rather than the traditional “wet” signature and stamp or seal.
什么是可接受的双向视频和音频通信?
The Texas Government Code requires the online notary to take reasonable steps to ensure that the two-way video and audio communication being utilized is secure from unauthorized interception. The Texas Land Title Association has issued a warning stating that online notarization cannot be done via Facetime, Skype或Zoom, 具体地说. 然而, there are several companies that offer services to provide remote end-to-end notarization that does not allow for unauthorized interception. 它们包括DocVerify、Notarize、NotaryCam、Pavaso、Safedocs和SIGNiX. 仍然, some lenders and title insurance underwriters may require use of a company that they have pre-approved for such a service. 注意，房利美和房地美有他们自己的认可供应商名单。). 我们鼓励2021十大正规彩票app经纪人®与贷款人和产权保险承销商核实要求.
什么是可接受的电子签署和/或公证?
Chapter 15 of the Texas Property Code provides that if Texas law requires that a document be signed in order to be recorded in the county records, 该要求由电子签名来满足. 如果法律要求文件或与文件相关的签名需要公证, 承认, 验证, 宣誓作证或宣誓的, such requirement is satisfied if the electronic signature of the person authorized to perform that act and all other information required to be include is attached to or logically associated with the document or signature. 尽管如此，一些贷款机构仍然要求“湿”(真墨水)签名，而不是电子签名. 房利美于3月23日发布了一封贷款人函, 2020, that stated that Fannie Mae would accept electronic signatures on most loan documents except promissory notes unless such note is an electronic note sold in accordance with Fannie Mae’s Selling Guide. 然而, 因为事情每天都在变化, REALTORS® are encouraged to check with your lender and title insurance underwriter to confirm what they will accept.
签名者是否必须实际位于德克萨斯州才能由德克萨斯州在线公证人进行签名公证?
No. The Texas Government Code authorizes an online notary to take acknowledgments or proofs of written instruments regardless of whether the signer is physically located within the State of Texas.
其他州会承认网上文件公证吗?
It is not clear whether online notarization will be recognized by states that have not adopted remote online notarization or even by some states that have. 目前, 23个州已经通过了远程在线公证法, 13 of which having fully implemented procedures that allow remote/online notaries to perform online notarizations. Certain states have adopted emergency measures that allow for remote online notarization in light of the coronavirus pandemic. The American Land Title Association and other industry partners and trade associations are supporting an effort to pass the Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020 (SECURE Notarization Act). The legislation would permit immediate nationwide use of remote online notarization and certainty of the interstate recognition of remote online notarization.
Will my client’s use of electronic signatures or remote online notarization of their documents be recognized by their lender and/or title insurance underwriter in another state?
If you want to know 具体地说 whether the signatures on the documents your client is signing or having notarized will be recognized in another state, 跟那个州的律师谈谈. 另外, REALTORS® are strongly encouraged to check in with lenders and title underwriters to ensure they will recognize the remote online notarization and electronic signatures.
Are there any provisions for government-issued ID that expires during the governor’s disaster declaration due to the coronavirus pandemic?
也, 在使用政府签发的身份证明来核实身份的情况下, 德州公共安全部门制定了紧急程序, 哪项措施延长了身份证的有效期, 驾驶执照, 商业驾驶执照, 商业许可证, 或将于3月13日到期的选举身份证明, 2020, or after for the entire duration of the governor’s declaration of state of disaster plus 60 days after such state of disaster is lifted.