| |
 Dear Signing Agents,
You need to REGISTER and have a password to post or reply to discussion topics. Please remember, your password for your listing on 123notary.com is NOT RELATED to and is different from your password on the forum. Your password on the forum can be whatever you want it to be.
|
|
  Be the first person to vote!
| Author |
 Topic  |
|
|
LindaH
Florida
1754 Posts |
 Posted - 08/12/2015 : 03:42:09 AM
|
"I had no instructions to contact Title with any questions. The borrowers were hesitant and made several calls to their loan officer about the HUD and several other "questionable to them" documents"
You don't say if you were contracted by an SS or direct from title, but you should have been contacting title or hiring party with questions - most of these LO's have no clue what happens once it goes to closing (although I've met a few very good, hands-on LO's) -my call would have been to hiring party if an SS and, if title, direct to title. No instructions to call? I'd have made sure I GOT specific instructions on who to call if issues at the table.
Also, for me, if the document is in the package it gets signed - it doesn't go back unsigned unless the signers are adamantly against signing it, in which case I pull out my handy dandy post-it notes, have them write in their own words why they WON'T sign it, have them sign that note and date it.
By the way - "I told "M" that I was not culpable. She told ME that their loan officer shouldn't have made that call about dismissing documents."
You're absolutely right - "M" may be right too that the LO should not have made that call but it's not your job to stick yourself in the middle of dealing between LO, Borrowers and Title -
I had a LO tell me once to add wife's name to face page of mortgage cuz she had to sign even though not on title (FL spouses have rights) - and I did, knowing it was wrong. Sometimes you're stuck between a rock and a hard place - hopefully title will realize your dilemma and hiring party will still pay you. However, if this is a good client, you may want to offer to go back out for an additional nominal fee to correct the error, but let them know you won't go for free because you were following instructions - whether those instructions were right or wrong is not on you.
Good Luck
Linda
http://www.columbiacountynotary.webs.com |
Edited by - LindaH on 08/12/2015 03:44:51 AM |
|
|
|
Lee-AR
Arkansas
678 Posts |
Posted - 08/11/2015 : 3:30:48 PM
|
I think you had a 'learning experience'. LOs are notorious for telling B's what they want to hear. Title companies don't do that.
In other words, call Title next time.
However, in your defense, if the LO told the B to ignore these docs, a notary is hardly in a position to force them to sign something they've been told by the...ummm...'Lender' to ignore.
And, no, correcting the LOs' error would not be a freebie...
If you don't value your time and experience, nobody else will. |
|
|
|
betty1957
Illinois
35 Posts |
Posted - 08/11/2015 : 05:53:37 AM
|
I have completed about 600 signings, so I'm not NEW to this. I did a Reverse Mortgage last Friday, and I was surprised because I handled the borrower's application not three weeks ago. It seemed rushed to me.
Anyway, I read my vendor's instructions, copied them to my "work order" (I call them ALL that), and printed and kept it with me at the signing. I looked for Title instructions and followed them, though there were scant.
I had no instructions to contact Title with any questions. The borrowers were hesitant and made several calls to their loan officer about the HUD and several other "questionable to them" documents. Two such documents were to be notarized:
No Representation for Deed Transfer (1 page)
No Consideration Affidavit (1 page)
I was listening to their conversation, and their loan officer told them they didn't have to sign these, AND he didn't know WHY they were in their package of documents. He told the borrowers to disregard them and not sign.
Enough said. I am NOT the authority, only there to complete the signing and go with the orders I am given.
So, yesterday, I get a call from my vendor to talk to somebody at Title complaining that these two documents were left unsigned and not notarized. "M" (at Title) said "didn't I understand the purpose of these documents?" I told her that I cannot force borrowers to sign something that they don't wish to sign. I thought the matter had been settled because the borrower's contact WAS their loan officer, and their other contact had been ME, since I brought them the application paperwork AND the final Reverse Mortgage paperwork.
I told "M" that I was not culpable. She told ME that their loan officer shouldn't have made that call about dismissing documents.
I have not been called again about this. I will NOT make another 40 minute (one way) drive to correct this for free.
Am I in the wrong, or are these companies just rushing so fast that they don't really know what they are doing? DH and associate are both attorneys in Illinois and their opinion is that too many of these documents are not drawn up by attorneys, but copied and pasted together by clerks.
What do YOU think?
betty j. dedman |
|
| |
Topic |
|
|
|
| Mobile Notary / Signing Agent Discussion Forum |
© 123notary.com |
|
|
|
Tips for using the forum
The most important feature on the forum is the search box. You can look up a particular word, phrase, name of a company, and see a potentially large list of search results with which you can obtain data. Filters are also valuable. If you want to find popular posts, you can use the number of views filter. You can also see whats new with the active topics link. Email us at info@123notary.com if you need any help using the notary forum.
Resources
The notary public resource page is valuable as it has links to all of the free information pages for notaries. Pages linked to the resource page include a page that teaches you everything you need to know to get the most out of your listing. Another page teaches you all the secrets of getting paid. There is a link to our free list of signing companies. There is also a glossary, learning tools, and much more.
If you are a notary, the free tips we give are invaluable.
Popular pages
If you visit 123notary.com often, you might want to visit some of our most popular pages such as the California notary, Texas notary, Florida notary, and New York notary pages to browse the site. We also have valuable pages for notaries such as the free list of signing companies, and the resource page. Please also visit our get notarized and notarized letter page.
|
| |
Is is just ME?!? (sorry, had to be long)
