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Dannotary
California
265 Posts |
 Posted - 07/17/2015 : 7:36:36 PM
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| Many years ago, I signed a loan with an 85 year old couple who had both had strokes. She was incapacitated, uncommunicative and stiff as a board in an easy chair. He had to sign for her as her POA and then his own name and then, initial for her mistake in name on all the pages as per instructions from title co. I talked to title about making a corrective deed for her name so that Mr. wouldn't have to go through all this again in the future. This appt. took 5 and a half hours!!!!. When I went back the next day with the corrective deed explaining that this fixed her name mistake so he wouldn't ever have to initial so many times again, and he hollered at me! No good deed goes unpunished. |
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wac283
South Carolina
9 Posts |
Posted - 02/25/2015 : 1:05:58 PM
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I had a similar situation with the borrowers being very elderly, and the wife was disabled due to a stroke. When I say elderly, I mean in their 90's. The husband fell asleep numerous times in the middle of signing his name, and his wife began choking at one point. Just thankful that the home health care worker was present to come to her aid. It took over 3 hours for the signing to be completed!
Definitely would have asked for more money had I known going in what the situation was. Sweet couple though.
Cheryl M Sievers |
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Lee-AR
Arkansas
678 Posts |
Posted - 01/12/2015 : 3:55:06 PM
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It's been my experience that if the Lender is unaware that a P.O.A. is involved, they want you to stop and they will order a re-draw to include the P.O.A. wording they want.
Best of my knowledge, it's not your decision. Same thing for 'X'--then they usually want a uninvolved witness.
But, this could be something that's state-specific.
If you don't value your time and experience, nobody else will. |
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betty1957
Illinois
35 Posts |
Posted - 01/12/2015 : 11:11:33 AM
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Hi, new to this forum. I have completed ~350 in two years, so I'm not brand new. I did a signing last year where the co-borrower was a recent stroke victim. NOBODY had told me about this, and I believe that his wife, the borrower and his P.O.A. had not even told their lender, although I can't be sure of that.
I had, of course confirmed the appointment and gotten directions to their house, but I was shocked to be bringing over 180 pages, most of which needed signatures and initials by both.
I had not been given authority to have the borrower, again wife who had P.O.A. sign HIS signatures. When I got back to office, both attorneys (DH and associate) told me that legally the co-borrower could have signed with an "X", or the P.O.A. could have signed all signature/initial pages for him.
Certainly this was an uncomfortable signing. He did, indeed sign everything, but we had to take breaks.
I will definitely ask for $more if this ever happens again.
It's irritating when you are left in the dark and go into these situations blind, and it isn't my responsibility to make special arrangements AS I ARRIVE AT A SIGNING.
What do You all think?
betty j. dedman |
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Borrower is a stroke victim
