Is a Reverse Mortgage Right for You?

The day has come that you can finally retire, but being without a steady income for the first time in many years might leave you feeling anxious. With an unknown and unpredictable future, many retirees look to options outside Social Security and employer pensions to supplement their income or plan for unforeseen expenses. One strategy some homeowners have turned to is a reverse mortgage, which – like many financial arrangements – has its pros and cons. It’s important to understand exactly what’ involved with a reverse mortgage before you make a life-impacting decision.

Affidavit Definition and Types of Affidavits

In law, an affidavit is a written statement made by a person, voluntarily and under an oath as administered by a person legally authorized to do so. Individuals such as certain members of state, local and federal government qualify as “authorized” under the definition, as do public notaries that are certified by the state where the statement takes place. There are many different types of affidavits used for a variety of legal reasons; if you’re asked to provide one, you should have a basic understanding of why you’re being asked to do so.

Choosing the Right Notary Service

Whether you require a notary public for a one-time transaction or have ongoing business needs, it’s important to choose the right service for the task. There are many companies out there offering notary services, but not all will deliver the top quality customer care you expect and deserve. Here are a few of the factors you should consider as you’re researching companies to act as your notary public or signing agent.

Is Anyone in Your Office a Notary?

Many businesses experience the need for notary services at one time or another, especially companies handling real estate or other legal transactions. Instead of going to an external source to obtain a notary stamp, more and more organizations are requesting existing employees to gain the proper credentials. This is a smart move, as the convenience of having notary services under your own roof can’t be beat.

However, notaries in Texas will be facing a new development in the law covering their services: The state legislature recently passed a legislation that becomes effective January 1, 2016. If anyone in your office is a notary, this is what you need to know.

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