In a Nevada mortgage package, only some documents are notarized. The most common notarized document is the Deed of Trust, which secures the property as collateral. Other pages that often require notarization include specific affidavits (identity, occupancy, or name variations) and certain title or escrow affidavits when the closing instructions call for them. Many lender forms are executed without notarization and only need signatures or initials.

• Typically notarized: Deed of Trust, corrections/limited power of attorney when required by title, occupancy or identity affidavits, compliance or gap affidavits, and select title affidavits.
• Usually not notarized: Promissory Note, Closing Disclosure, initial escrow disclosures, privacy notices, and most lender specific acknowledgments that only require signatures or initials.
• Jurat vs acknowledgment: Affidavits and sworn statements use a jurat with an oath or affirmation. The Deed of Trust and similar instruments use an acknowledgment to confirm identity and voluntary execution.
• Non borrowing spouse: In community property scenarios, a non borrowing spouse may need to sign certain title documents. The specific pages and notarizations depend on title instructions and vesting.

Lake Mead Mobile Notary verifies identity, checks each certificate for Nevada compliance, and follows title and lender instructions so the package funds without delay. For help, book online or call (702) 748-7444.

In Boca Park Fashion Village, we meet owners and co-signers at the office to reduce downtime and avoid repeat appointments. We align the certificate type with bank or counsel requirements, verify names match the note, and confirm any guarantor or agent authority before signatures. This cuts defects and keeps the agreement enforceable. Book loan document notarization. For entity authority or addenda, see business contract notarization and power of attorney. Copies for lenders can be issued via certified copy notarization.

Yes. Nevada law (NRS 108.297) requires you to account for and pay any surplus from the lien sale. After recovering your documented towing, storage, and auction fees, you must pay excess proceeds first to lienholders, then to the vehicle owner. You cannot simply keep all auction proceeds because you obtained clean title through VP-147. This is one of the most misunderstood aspects of Nevada lien sales.

A shocked Reddit discussion illustrates the confusion: "I always thought the right thing would be for the tow vendor to pay any excess from the sale over their storage costs to the lienholder but they take possession of the whole vehicle?" The answer: Taking possession for lien sale is legal, but keeping surplus proceeds beyond documented costs is illegal conversion of property.

📋 Nevada Surplus Distribution Hierarchy (NRS 108.297):

1. First priority - Your documented costs: Towing charges, storage fees at your posted daily rate, administrative costs for title search and certified mail, auction fees
2. Second priority - Lienholders on DMV record: If auction sale exceeds your costs, remaining funds go to the first lienholder (bank) up to the amount of their lien. If surplus still remains, it goes to second lienholder if applicable
3. Third priority - Original owner: Any remaining surplus after lienholder(s) are paid must be sent to the registered owner at their DMV-registered address via certified mail
4. Unclaimed surplus: If owner doesn't respond to surplus notification within required time (typically 30-60 days), consult legal counsel about escheat to the state

⚠️ Real-World Example of Surplus Calculation:

• Vehicle sells at Copart for $8,500
• Your documented costs: Towing $250, storage 45 days at $30/day = $1,350, auction fees $400 = $2,000 total
• Remaining: $6,500 surplus
• Lienholder on DMV record: Bank with $12,000 lien = Bank gets entire $6,500
• Nothing left for owner (their debt to bank reduced by $6,500)

Different scenario - No lien on record:

• Same $8,500 sale price, same $2,000 costs
• No lienholder on DMV title
• You must send $6,500 to the registered owner with accounting of costs and surplus calculation

💡 Why This Matters for VP-147 Compliance: When you sign your notarized VP-147 affidavit, you're swearing under oath that you followed Nevada's lien sale procedures. Part of those procedures is accounting for surplus. If the owner later discovers you kept $5,000 in surplus that legally belonged to them or their lender, you face: (1) civil lawsuit for conversion, (2) potential perjury charges for false VP-147 affidavit, (3) loss of your tow operator license, (4) criminal charges for theft by conversion.

🏢 Best Practice for Tow Operators: Create a standard surplus calculation worksheet for every lien sale. Document: (1) Auction gross proceeds, (2) Itemized costs (towing, storage with daily rate and number of days, title search, certified mail, auction fees), (3) Net surplus calculation, (4) Lienholder payment if applicable with proof of payment, (5) Owner surplus payment with certified mail proof of delivery. Keep these records for 3-5 years. When we notarize VP-147 forms at Sun City Aliante or other Clark County tow yards, we can review your surplus calculation to ensure it's properly documented before you sign under oath.

Related Questions

• Do I need to notify both the owner AND lienholder for VP-147?
• What if certified mail comes back undeliverable? Can I still do lien sale?
• What are the legal limits on storage fees for Nevada tow operators?

Mobile notaries act as authorized representatives to complete Section 2 verification by traveling to employee locations—homes, offices, co-working spaces, or any convenient site—to physically examine identity and employment authorization documents, verify their authenticity, and certify I-9 completion on the employer's behalf. This service is especially valuable for employers with remote workers, multi-location operations, distributed teams, or limited HR capacity who need professional document verification without requiring employees to travel to a central office. Mobile notaries examine List A documents (U.S. passports, permanent resident cards, employment authorization documents) or List B + List C combinations (driver's license + Social Security card), complete Section 2 fields accurately with proper document numbers and expiration dates, sign and date the form as the authorized representative, and return completed I-9 forms to the employer for retention and audit preparation.

Beyond initial I-9 completion, mobile notaries provide comprehensive I-9 support including reverification services when employee work authorization expires (completing Section 3 with updated documentation), audit preparation and I-9 review services that identify existing compliance gaps before ICE initiates inspection, compliance training and consultation helping HR teams understand List A/B/C document requirements and anti-discrimination rules, remote worker verification coordination ensuring employees at any location receive timely document examination within the 3-day window, and liability reduction by creating audit-ready documentation that demonstrates employer due diligence and good-faith compliance efforts ICE considers when assessing penalties. Mobile notaries reduce employer liability because they bring professional expertise in document examination, fraud detection, and I-9 completion standards that minimize the paperwork violations, missed deadlines, and technical errors triggering fines during audits.

Lake Mead Mobile Notary provides specialized I-9 verification services throughout Las Vegas, Henderson, Boulder City, and all of Clark County with mobile notaries trained in employment eligibility verification. We serve businesses in hospitality, healthcare, construction, professional services, and all industries requiring compliant I-9 management. Our notaries travel to employee locations at Advanced Health Care Henderson facilities, corporate offices, remote worker homes, and anywhere employees need document verification. We complete I-9 forms using the current, compliant version; examine documents carefully for authenticity indicators; record information accurately to prevent E-Verify discrepancies; and provide employers with date-stamped verification records supporting retention deadline tracking. This service eliminates the burden of coordinating internal authorized representatives, reduces penalty exposure through professional verification, and ensures every I-9 meets federal standards that withstand ICE audits.