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LindaH
Florida
1754 Posts |
 Posted - 10/17/2008 : 06:50:12 AM
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During my confirmation call to the borrowers I confirm their names on their ID to determine if I'm going to have an ID issue; I aslo confirm marital status and that all parties will be present at the apppointment time. I then partially complete the notarial certificates (venue, date, my name under signature line, etc) but do not stamp or sign until the doc is signed. Sometimes, if I'm not positive I have an exact match with ID's I'll leave their names out of the certificate until I'm sitting with the signers.
I never ever review stats or any particulars of the loan. If they tell me they want to see the numbers ahead of time I refer them to their loan officer.
Linda
www.notarydepot.com/notary/lindah
http://www.notary.net/websites/LindaHubbell
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Lisa T.
California
391 Posts |
Posted - 10/16/2008 : 9:06:31 PM
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To prepare for a signing, my main focus is to review the docs to see how the names appear and how title is vested. One time, the husband's name had 4 variations - Mickey Michael Mouse, Mickey Mouse, M.M. Mouse and then a wrong initial with Mickey K. Mouse. So, a call to the TC to see which variation to sign if the mistakes can be lined through and initialed by borrower. Each case is different, some will allow the docs to be corrected and initialed, some don't.
I confirm appointment but I do NOT discuss stats over the phone as I have no idea if the person I'm confirming the appointment with is truly the borrower. It could be someone masquerading as the borrower to get info. So the only thing I confirm is the day, time and place of the closing. |
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dsullivan
Indiana
14 Posts |
Posted - 05/29/2008 : 06:51:43 AM
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Ken
Correct me if i'm wrong but pre notarizing a document is a violation of notary laws and you should stop this pratice. I do fill in as much of the information as I can short of stamping and signing.
Signed right, the first time. |
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n/a
Kansas
1 Posts |
Posted - 05/24/2008 : 2:18:10 PM
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When I went in to Chicago Title two years ago to sign off on the sale of my house, the notary there had pre-notarized all the paperwork; signed, sealed, everything. She also never looked at my ID. I reported her to the Kansas SOS within the week.
When prepping docs, I only pre-fill the State/County and the date. Beyond that, I do everything at the signing table. Pre-notarizing is not legal and I would not notarize a document before it has been signed.
I stack the doc package with the HUD on top, then the Note, then the TIL, then Mortgage, then the RTC(s), then the escrow disclosure. That puts the important stuff at the beginning, and also assures me that all the important documents are present within the package. I tell the borrowers that by having the important stuff at the beginning, any issues will be discovered immediately. Then, the rest are just affidavits we can breeze through.
I learned the hard way how important it is to stack the docs in this manner. I've caught a lot of lender/title company mistakes by being thorough and stacking my docs as I do. |
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LindaJ
Illinois
77 Posts |
Posted - 05/20/2008 : 4:20:08 PM
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| I also fill in everything I can ahead of time (time permitting). However I do not sign or stamp anything till at the table. I also fill in my journal ahead. All I have to do at the table is fill in their ID information and have them sign. I also get the envelope ready for shipping back. |
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vince
Kansas
324 Posts |
Posted - 05/20/2008 : 12:37:32 PM
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| Like Ken, I prepare certain items in advance when time permits as it makes each signing go quicker. However, I do date the documents (as they are date sensitive anyway) but do not sign or stamp them until the borrower has actually signed them. Frequently, the borrowers names are also not pre-done if the spelling of the name looks suspicious (saves the need to correct). |
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edelske
New York
815 Posts |
Posted - 05/19/2008 : 08:15:32 AM
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I always pre-notarize edocs. I only leave out the date. Having the changes to State & County, my stamp and embosser and signature ahead of time allows me to keep focus on the borrower. The process moves more quickly and most clients appreciate that I saved them time. If the job gets cancelled it's a simple matter to use the Sharpie to void the notarizations "VOID" and put an X thru the embossing. NY notary law does require me to witness the affiant's signature - but says nothing as to me signing prior to or after the affiant. Several borrowers have complimented me for being "well prepared". But the most important aspect is that I am able to always watch to see that they are signing in the correct place, check dates, etc.
Ken |
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jbelmont
California
3106 Posts |
Posted - 05/19/2008 : 03:15:25 AM
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Carmen always does everything the right way and prepares for all of her signings. There are various preparations someone could make, and the preparations could depend on the nature of the signing or borrowers.
Here are some ideas:
1. Calling ahead
2. Reviewing stats such as: the rate, loan amount, APR, payoffs, etc.
3. Making the appointment
4. Confirming the appointment
5. Writing down directions or consulting your map before going. Using a GPS system might make that unnecessary.
Does anyone else have any other helpful techniques they would like to share? |
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Question 12 - Techniques to prep a signing
