Do I need to administer an oath or affirmation ceremony before every jurat in a loan package? Or is it OK for me to do only one at the beginning of the signing? — K.Y., New York
You should have an oath or affirmation ceremony before every jurat in a loan package. In the Notary Public License Law (NPLL), the New York Department of State specifically warns Notaries: "Equally unacceptable to the Secretary of State is slipshod administration of oaths” (2024 NPLL, page 5) and “But it is of far more importance that the affiant, the person making the affidavit, should have personally appeared before the notary and have made oath to the statements contained in the affidavit as required by law” (2024 NPLL, page 19).
Please see our Notary guide to oaths and affirmations for more information.
Hotline answers are based on the laws in the state where the question originated and may not reflect the laws of other states. If in doubt, always refer to your own state statutes. – The Editors
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