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notaryslife
California
348 Posts |
 Posted - 06/16/2013 : 11:30:23 PM
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We've all heard about just having a hunch, a bit of intuition about a signing that's headed for that rare disaster that takes up your time, resources and a day set aside for personal business on a Sunday. It's a good idea to root out bad signings ahead a time and sometimes this requires insight relying on our gut.
I had such a hunch because of the pattern building of a signer who had begun by summoning me out on a Sunday who then asked my agency if I could bring a "portable copy device" with me to copy her signed documents prior to leaving. Just a clue here that this is the fork in the road opportunity you take on whether to pull out of the signing, when the borrower makes an unusual request and speaks to you strangely on the phone about it. In other words, the typical explanation that the bank would provide her with a copy after the closing wasn't enough for her, nor that she in fact had a copier in her home she wanted me to take her docs to get them copied.
Because it's been slow in the refinance market, I continued on my merry way with the signing for $125 due to faxbacks. Turns out I arrived to learn the borrower was clearly mentally ill having a letter all ready for the bank claiming she noted the docs were full of errors she would correct by hand. I couldn't persuade her not to correct the Note so I had to end the signing and she blamed me for the predicament, a typical mental patient's way of addressing her own issue of lack of flexibility. I tried explaining to her predated documents is normal in the industry but she wouldn't have it. She demanded things be done her way or not at all.
It was a hellish signing of a vile, nasty old lady with a creepy dog she refused to keep in the other room. The mortgage was for $140,000 and she had a $450 monthly payment. Paper was in stacks all throughout the house as she was a lawyer, likely a retired one.
If you get a hunch the borrower's mentally ill for any odd request, stay far far away because these personalities always try to pull you down into hell with them. As I walked to my vehicle, she called my cell, asked for my name, and hung up on me. Next time I act on my gut.
Sincerely yours,
Notary's Life |
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Go By Your Gut In This Business
