Being a "Newbee" does not decrease your expenses. Your cost is the same as a "veteran." I've been forced to retire due to health reasons but I am still concerned for our part of the lending business. Really analyze the cost of doing business. When you add the "soft" and "hard" cost together, my (and your) total cost to do a loan is $65.05. (be sure to read the IRS guidelines for a "home office" to know what you can deduct .) Do you really want to take a fee for $65?
My minimum fee for a loan package was a BASE of $100.00 for up to 125 pages within 35 miles of my office. Add to that $25.00 for faxbacks. Add $25.00 if mileage was more than $35.00. (I live on the north side of a major metropolitan area in Texas.) During the "rush hour" times of the day, I would have to add a minimum of 35-45 minutes to accommodate traffic.
I would like to encourage you to not "get in a hurry" by lowering your fees. Continue to market your self thru the forums like Notary Cafe, Notary Rotary. These are the only places I paid to be listed - you get moved ahead of the "nonfee" notaries in your area - a really good advantage.
Hope this helps.