Amrock/ Announcement today: RTC = Right to Cancel

Hello all!
I am blessed with a perfect score with Amrock and I close for them daily. I was shocked at the announcement today about RTC’s… I hope I say this proper and I truly mean to have in my words (as if I was voice talking) the utmost respect for all my notaries comrades… I couldn’t believe they needed to announce that a lot of paper packages were returning with ALL 3 for each borrower!! I’m stressing the importance of classes and knowledge before beginning this independent business! I certainly have much more to learn, but I got all my credentials needed in August of 2020 and my 1st closing was March 15th 2021… The 6 MONTHS after was all classes, online courses, Notary2Pro certificate and then I was blessed to have found Notary Stars because I’m the type that needs live, raise my hand questions etc… My point is of all the documents, the RTC is a federal law!! It’s so critical I cannot describe…so to not leave the borrowers one is really huge and customizer relations can go downward fast… that means less work for you! When I onboarded with Amrock, I received a phone call and a impromptu test over the phone… and was thrilled to have passed it, not sure if they still do this or not… Another point I’d like to make is they mark your file like any other and it could affect you and how much work you get… I’ve received two compliments of the description of documents to customers and they have forwarded this to me and stated my file was marked too so perhaps this is also why I have closings often, I’ve worked very hard to stand out and each of you can do the same! First and foremost know the documents and ask questions! Especially if your wanting this to be full time) I realize I push Notary Stars but again you have no idea how much knowledge there is and fun and many other areas to learn from! If you truly are interested, message me and I’ll pay your first month, truly!! We can learn more together for instance I can bet you I know zero about your state unless it’s around my state… I’ve learned Florida, Georgia, Louisiana, and Tennessee… not everything just key points, like second witnesses or Attorney state? Etc thanks to Notary stars… Either way you choose I promise this will be your number one tool to succeed!!
This comes from my sincerest concerns and understanding for all levels ie Brand New, 3 years in Full time (me), and veterans!!!
Best Regards!!


This RTC question has been brought up several times. Maybe they DO leave the proper number of copies (which, by the way, is two copies per borrower or person in interest) … Maybe they made extra copies

Chances are good they probably didn’t…lol…but just a thought. I know from reading forums that many don’t know the laws that regulate the mortgage industry…it’s sad and scary … And it’s why fees have fallen like they have.



Hmmm . . . I believe I comprehend the meaning you’re conveying; however . . .

With all candor & respect, the fees for all Professional Signing Agents [PSAs] shouldn’t fall if they’ve provided professional, accurate services. The penalty would be appropriately applied to the specific individual who has generated the error => not globally across-the-board to every PSA providing services.

Truly, the onus is upon the hiring entity to vet their vendors & to ensure the PSAs they hire are qualified to provide the services to their clients.


This topic & myriad others are elements of the comprehensive training as provided by (for example) Notary2Pro; however, not everyone chooses to invest in their future by undergoing reputable training & certification programs.

When I initially started performing this work, I successfully completed MULTIPLE training/certification programs including Notary2Pro & NNA and many others. I have extensive experience in skill sets that require certification and recurrent evaluation tests; i.e., I’ve maintained my Project Management Professional [PMP] certification for more than 20 years. So, I understand what it usually entails and the elements that should be included within a comprehensive training program.

Regarding the NNA training specifically, it’s lacking across multiple topics & categories. Many NNA “graduates” choose to take additional training courses elsewhere, because they sense they’re insufficiently prepared. Their primer has errors throughout. Their hotline is less than reliable for accurate responses.

In my experience with undergoing the multiple training programs for professional signing agent [PSA] certification, hands-down without question, Carol Ray’s Notary2Pro training programs are optimum in this industry. I’ve successfully completed ALL of the multiple training/certification programs that Carol offers through her company Notary2Pro. Her programs are thorough & detailed. These also prepare the business owner to operate a business. In addition, she offers Mentoring services. I found those to be excellent & INVALUABLE when I was initially starting out in this business sector. The prices are surprisingly reasonable. :white_check_mark:

I’ve professionally compared the training/certification programs available at Notary2Pro with the others I’ve successfully completed. The ONLY training/certification program I recommend is Notary2Pro.

A list of companies that hire Notary2Pro graduates (with minimal or no experience) is provided to successful course graduates. => This list is pure GOLD! Study up, refresh your notes, & let Carol know when your initial few signings are scheduled. She is a wonderful mentor & can be on standby in case you encounter difficulties or have questions during your first few signings. She’s the Best! Her support will help you Build your Confidence in providing this service. :trophy::white_check_mark:

In addition, Notary2Pro works diligently to keep this list up-to-date regarding vetting and viability. As we all know, some reliable clients can encounter financial difficulties and that, in turn, can negatively impact PSAs directly.

Of course, your best bet would be to visit their website at , research, and make the choices appropriate for your situation. The training programs by Carol Ray are comprehensive & thorough. :sparkles::tada::sunglasses:

P.S. I receive no compensation or remuneration of any type or kind as a result of my first-hand experiential review above.

P.P.S. Unfortunately, Carol recently passed from our earthly plane. I hope she Rests In Peace. I’m grateful to have made her acquaintance and studied under her tutelage.



What is RTC? It was in my Announcement from Amrock

Too many students are sadly lured to other programs that promise 6-figure incomes or programs that don’t provide the certification that is accepted by the NNA. I know some signing services that will steer clear of signing agents who don’t have Notary2Pro due to the large number of errors from students of the 6-figure programs.
I agree that N2P is the most comprehensive and quality training however the need for continuing education is necessary by all signing agents.

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Right To Cancel on owner occupied refinances. This should have been part of your initial training.

I agree on the Notary2Pro. They are the best. I understand however that Carol Ray passed away last year. I think that another member of the family is doing the day to operations.

Carol’s son is CEO and her daughter, Barbara, is still with the company.

@mbnotarytogo Did you see this within my post above?


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@richlandmobilenotary Confirming => yes, Carol’s son [Michael Ray] is the CEO, & Carol’s daughters [Lori, Barb] are continuing Carol’s legacy/operations/company as well. So, the paradigms & principles remain intact throughout.


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@richlandmobilenotary Agreed! Sad, but True. :frowning:

It’s also spoken of across several forums that those types of programs are now guiding their students to create signing services [SSs]; however, as we see on a daily, ongoing basis the bulk of the SSs are closing their proverbial doors & going bankrupt while many of their loyal Professional Signing Agents [PSAs] continue to be unpaid . . .

Certainly not a sagacious move during this current business environment.


Hear Hear! If it wasn’t for Carol I’m certain I’d have lost my sanity. We need a new “Carol Ray” to continue to carry the standard for our industry.


@RiverpointeTax It’s my belief that is precisely the objective & demonstration as exemplified by Lori & Michael at Notary2Pro.


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I try to keep up with the effects of changes in closing requirements, but we can be unsure if the requirements change when the forms change. At one time the requirement was that each signer receives two executed copies of the RTC (f/k/a ROR) and one executed copy of the Truth In Lending form. Now the TIL has not gone away but is included as part of the closing disclosure. I was never notified that the TIL requirement ended with the CD. As a best practice, I continue to place two copies each of the RTC at the top of the signer copy package and have them sign two copies each and I print an extra copy of the CD for each signer and have them sign it. The only exception to this is Amrock since they don’t require a copy package for signer(s). They don’t require a signed CD for the borrower but I print an extra for each signer and have them sign both and they get a copy of it as well. I have some packages where they print twice the number of RTCs needed and the signing service expects every copy to be signed and returned in the signed package. It’s probably overkill but when the signing service or TC forms a negative opinion of your signing based on the number of pages returned to them, you have to CYA on these matters

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I always make a second set of docs to leave w signers
When its not necessary, i asked the LOAN OFFICER if they have sent a set
Its easy enough to make extra copies for the signers

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RIGHT TO CANCEL. Applies to specific types of real property transactions. Trained and qualified
’Signing Agents’ are supposed to know this and more as it applies to the mortgage and lending industry. Hope that helps. :wink:


RTC = “Right to Cancel.” You should be familiar with this document.

We ALL had to start somewhere and learn our trade. Each of us is at a different experience level than others, but this is just another of many examples of newer NSAs jumping into the field, but not being FULLY EXPERIENCED, never mind being “trained”.

I blame MOST of the newbie learning curve errors on the fact that too many NSA training course hustlers are sleaze-balls who are only interested in making money for themselves by constantly promising the moon, and leaving out lots of important details. Our industry has gotten to be like being a realtor. So many people hear that you can own & run your own company, set your own hours, and make LOTS of “EASY” money, so they jump into it. Then reality hits…they really don’t fully know what they’re doing. They lack “paying their dues”, which takes time.

Just because you took a course and learned some tricks of the trade DOES NOT MEAN that you know the trade!

I gained my experience out in the real world, working at banks, as a loan officer, mortgage originator, loan closer, lien perfection, funder, and file auditor. Most direct hire title companies want to see at least one to two years of real estate loan closing experience before they can trust that an NSA fully knows what the heck they are doing.

When I first decided to become a full-time NSA, I already had twelve years of experience!

Think of it this way:
Good judgment comes from experience, but experience comes from bad judgment.



Over the last several years I’ve read posts that some NSAs have the signers sign all RTC & return 3/leave 3 with signers to avoid any issues when package returned. As long as they’re left with the 2 requisite copies of the RTC there should be no issue.

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@dashnotary225 The generous wisdom shared within the thread created by @Sjkad55 comes across to most Notary Cafe members as a share 'n care about what she has found to be of most assistance & helpful for establishing as well as supporting the development of her business/professional services.

Her offer of paying for the 1st month’s membership is simply a very kind & thoughtful effort to assist others to benefit as well.

There are multiple programs on the web that will simply separate the potential student from their hard-earned funds & not deliver the promised results; i.e., sell the buyer the ‘sizzle,’ but not the steak . . .

Most Notary Cafe members are greatly appreciative of others who willingly share these golden nuggets found within training programs they’ve discovered like Notary2Pro, Notary Stars, etc. This type of sharing is also one of the MAJOR benefits of membership on the Notary Cafe forum.


Regarding the statement of the potential for a ‘multilevel marketing’ [MLM] schema, I’ve been a member of the Notary Stars program for quite a few years & have worked with as well as spoken to the owner directly on multiple occasions. In my direct experience, I’ve never been presented with any MLM “opportunities” within that program.

After conferring via phone directly with the owner this morning, he confirmed there is unequivocally no element of MLM in the Notary Stars program. @rmickle1

Each individual applies & is vetted separately into the Notary Stars program. In addition, there are vigorous measures in place to preclude & prevent any such nefarious type of activities within the Notary Stars program.


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