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Lisa T.
California
391 Posts |
 Posted - 01/20/2011 : 9:56:15 PM
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<<<I always explain before starting that they need to sign EXACTLY as their name is printed even if it's not their normal signature.......>>>
People's signature is what it is. My signature is illegible and I only sign my name one way, which is never how it's printed.
I pay attention to how the borrower signed their ID. If the signature is illegible, I don't say anything, no need to. If the borrower's signature is readable, I will say, "Mr./Mrs. Borrower, I noticed on your ID that you do/do not sign with __________ (fill in the blanks with whatever) the documents are printed with/without __________ when you sign your name, the lender/TC/whoever would like for you to include/exclude ___________ when you sign.
To me, that's clearer than "Sign exactly as your name is printed". On the other forum, a notary tells a story of a borrower who misunderstood when the notary instructed the borrower to "sign exactly as her name is printed". The borrower took that literally and printed her name throughout the docs.
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Edited by - Lisa T. on 01/20/2011 10:01:16 PM |
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Renee
Michigan
549 Posts |
Posted - 01/20/2011 : 02:52:45 AM
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I'll offer another tip I've found valuable: Develop a process, and stick to it like a religion.
If you do this, if you stick to doing the same things, the same ways, ALWAYS - you will be able to TRUST yourself. You won't have to second-guess yourself (did I do that?), you'll be FAR less likely to miss things or make a mistake, and you'll build confidence in yourself and your 'routine' process.
The only time you should change anything is if you DO make a mistake. Ask yourself WHY/HOW you made it, then alter your process to prevent that from happening again.
I can 'boast' (if I can be so bold!) an error rate of .0015625%. My training, if you will, was intense though (prior experience). I totally trust myself, my process, and it never fails me. When I DO miss something ...it's ALWAYS been because I deviated. Maybe allowed myself to get too chatty, or the time I lost control of the docs with one person signing at a table and the person coming in/out of the room signing at a counter; things I wouldn't let happen today.
We rush through so much of our day, but there are 2 things I will not (again) 'rush':
1, I ALWAYS check/stack my original pkg as the copy pkg prints. Always. I will never again drive 30 miles to a closing to find that past page 5, the pkg is BLANK.
2, I will never get another speeding ticket! |
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IntegrityNotary
69 Posts |
Posted - 01/19/2011 : 10:28:15 AM
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| Thanks for all the replies! I agree, you do have to watch how the borrowers sign their names. I always explain before starting that they need to sign EXACTLY as their name is printed even if it's not their normal signature i.e. how they sign off on a credit card. Good point about the pens as well. I supply my own gel pens for the borrowers to use-that way their signatures come out bold and uniform throughout the documents. The Pilot G2 pens work excellent and the borrowers love them too! |
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Yvonne
New Jersey
10 Posts |
Posted - 01/19/2011 : 06:29:40 AM
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These are great tips here for a new person.Let me add my 2 cents. I too start my signings with the HUD and the Note and explain to the borrower their Right To Cancel if it is a refi for primary home. This gives them the relief that they can look over all docs later and cancel if need be. I also give a short synopsis of each doc. I find they just sign away without reading. Also, I supply the pens I want them to use and actually take all other pens off the table. I have had a borrower pick up a black pen in mid signing when in fact he was signing in the required blue with the pen I gave him to start with. there is so much going on during a signing so try to minimize any stupid things like this happening. Remember you are in control. I explain exactly how they must sign before begining and repeat during the signing, especially when it comes to initializing. I perodically check that they are signing correctly. I have had borrowers who were signing correctly and then just change how they were in the middle of the signing. I have no idea what goes thru their minds but watch them like a hawk. Double check all signatures and initials before leaving, it could save you trip back.I also engage my borrowers to be another set of eyes. They love the interaction and care you are taking with their loan package. It only take about 2 minutes. Hope this helps.
Yvonne |
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Renee
Michigan
549 Posts |
Posted - 01/14/2011 : 08:19:24 AM
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These are some very invaluable tips!
I completely agree with all of them, every single one - but in particular, I definitely think READING through every commonly-used document is one very cheap & simple way to familiarize yourself with something you ask people to sign all day long. |
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dbillman
Florida
29 Posts |
Posted - 01/14/2011 : 07:49:03 AM
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I also review documents I am unfamiliar with before I go to a signing. Saves you time in the long run and saves you from looking like you do not know what you are doing. I learned to do this after my first VA loan signing. The VA forms are very busy and I missed a signature in the middle of the page. I noted it when checking the docs before sending. I had to call the BO, apologize, and return for his signature.
Another idea is to actually read the docs in a loan package. Boring I know, but it will help you become familiar with what is included in the docs the BO is signing. I did this after my first few signings when I felt I was not knowledgeable enough when presenting the docs. It has paid off.
I always start my signings with the HUD and the RTC. I then usually give a brief synopsis of each doc as I present them to the BO. Usually engineers will read every word in every doc, but I have found if they find my synopsis has truthfully covered what is entailed in the doc or what they are agreeing to, they begin to scan the docs more and read every word less. I also feel comfortable answering their questions or pointing out where they can find their answers.
An example would be the Note. I point out the amt they are agreeing to pay back, the interest rate, the 1st & last payment dates, the P&I payment, the pre-payment section, the late payment section, the default section, and secured loan section.
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IntegrityNotary
69 Posts |
Posted - 01/12/2011 : 12:20:02 PM
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I learned a couple of these the hard way!
1) Always open EVERY PDF FILE, even if it's just labeled UPS. It may have some affidavits hidden behind it!
2) NEVER assume the county/venue-I live in a large metropolitan area, so counties are complex and overlapped. It's a good idea to have access to a state government website that has a detailed map of each county in your area.
3) Read ALL instructions! Each company is different.
4) Always try to review docs before going to a closing. I've encountered many forms that have those sneaky little intial lines in places you wouldn't expect.
5) Always recheck docs before leaving the borrower's residence-they usually don't mind the extra few minutes you're taking to review their loan package and appreciate the extra attention and effort on your part to get the documents executed properly
6) Don't be afraid to ask questions-most signing agencies/title companies are accomodating and willing to help with any questions or concerns
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