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  1 person liked this post.
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Shawndee
California
4 Posts |
 Posted - 07/22/2010 : 08:57:08 AM
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I would just like to thank all of you for help, I was greatly appreciated! I feel better already.
Shawndee |
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crtowles
California
553 Posts |
Posted - 07/21/2010 : 10:34:34 PM
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The person who hires you will generally give you specific instructions such as pen color, photocopy of the ID, etc. But basically you are own your own. It is not that difficult however, just look at each document for signature and or initial lines (sometimes there are both) on the same page and of course where you are to notarize. Dont add anything extra (for ex. lines on a deed that has none) as some lenders frown upon this. As you are aware all the loans are different and each lenders loans has its own special characteristics. But one thing they all usually have in common is that there will be a Deed/Mortgage, Note, RTC, TIL, and Settlement Statement. Remember to visually scan each page carefully so that you dont miss anything. Always double check your documents before you leave your clients. You will be fine. The more that you do the more comfortable you become. Good Luck!!
Carmen |
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PWinFL
Florida
469 Posts |
Posted - 07/21/2010 : 10:13:55 AM
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Who do you call? Depends on who called you. Some signing services frown on the signing agent calling the title company or lender. Others clearly want you to contact the title company closer should there be any issues. My opinion is that it is the title company that is expecting the work to be completed, therefore if there are any questions about the contents of the package, your contact should be with the title company first. If there are problems with the assignment, e.g. time needing to be changed, can't reach the borrowers, etc., you need to contact the hiring agency, ie, the signing service.
Personally, I contact the person who I know can provide the correct answer to my question. Be it the signing service, title company, lender or broker. Also note that there may be specific instructions in your package on who to contact and when.
Never drive any faster than your guardian angel can fly.
I am not an attorney licensed to practice law in the State of Florida,
and I may not give legal advice or accept fees for legal advice.
Visit us online at http://www.PAWnotary.com |
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Shawndee
California
4 Posts |
Posted - 07/21/2010 : 09:27:10 AM
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Thank you both for your answers. Makes me feel a little better. i was concerned with those as you say "no sig lines or intital lines" and whether or not they would tell me that they want additional items done. Seems that they will.
also like the blanks you indicate might be for TC or Lender to sign, Who do you specifically contact, the Lender or Title Co. and do they frown upon this? Or are you reqiured to call the Signing Co that hired you?
Thanks!
Shawndee |
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CopperheadVA
Virginia
420 Posts |
Posted - 07/20/2010 : 03:53:35 AM
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So right Jeremy! One company has it in their three pages of instructions that they want page three of the HUD signed even though there are no signature lines. I have to draw them in at the bottom of that page.
CopperheadVA
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jbelmont
California
3106 Posts |
Posted - 07/19/2010 : 9:09:44 PM
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Hi Shawndee,
Copperhead's answer is very correct. You have to make sure everything with a signature line is signed, and everything with an initial line ( generally one centimeter horizontal line ) is initialed. Deeds of Trust are the most commonly initialed document. Once in a while a document with no signature lines needs to be signed. This is not professional on the part of the title company, but you can draw the signature lines by hand.
If you have questions about signing, just email us at info@123notary.com. Also, we have daily signing tips on facebook and twitter.
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CopperheadVA
Virginia
420 Posts |
Posted - 07/19/2010 : 3:23:33 PM
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<< Or do they just send you a set of documents and expect you to know exactly what they want? >> Yup, this is usually how it works.
*Generally* everything needs to be signed wherever the borrower's name is typed under the signature line. Anything that needs notarization will be obvious, because there will be a notarial certificate printed onto the document. No notarial certificate = no notarization. Once in a great while, I will come across a document that just has a signature line for the notary. I can't sign and stamp that in my state of VA. It needs to have an acknowledgement or jurat notary certificate added to it. If there is no indication on the document which certificate is being requested then you must contact the hiring party and ask which certificate they want.
If any initials are needed, there will be initial lines at the bottom of the document, usually at the bottom right corner but there are exceptions to that. Sometimes an initial line may be at the bottom left and sometimes there are some within the body of the document. You will be expected to notice every one of these and not miss having any initialed. Although I don't see this often, sometimes there are instructions to have every page of the package initialed - I've had a couple of Chase loans recently where every single page of the package must be initialed by the borrowers, even the pages that they sign with their signatures. Crazy!
Sometimes there are no names printed under the signature lines but you need to look at the doc and use some common sense to determine if the borrowers are supposed to sign it (sometimes they aren't supposed to sign - sometimes it's a doc meant for the lender or TC to sign, such as the tax information sheet). Sometimes I see no names printed on the Transfer of Servicing Disclosure and many times on the automatic payment set-up paperwork (usually an optional doc but check to see if there is a place for them to indicate that they decline).
One document that got me early on in my signing agent career was a title document, completely unfilled out, and all it said under the signature lines was "affiant". It was an extremely difficult closing - borrower was extremely agitated due to very late docs - and I missed that signature. I had to go back and get it signed later.
Sometimes the hiring party will send you some instructions, but they mostly just expect you to know what to do. Good luck!
CopperheadVA
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Shawndee
California
4 Posts |
Posted - 07/19/2010 : 2:28:20 PM
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I have taken an online course for notary signing agent, however, there is no real world experience involved. Basically my questions is this, the book and course like to use the word "usually" when it comes to what needs to be done as all packages can be different. And that's ok, but when you receive a package from the title company, does it come with specific instructions as to what needs to be signed, notarized and which pages and items need to be initialed? Or do they just send you a set of documents and expect you to know exactly what they want?
Shawndee |
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