Posted by Happy_in_Fl on 10/30/07 2:22pm
Msg #218908

Querry- Sight Impaired Signer?

Have not come across this situation per se', but was wondering if some one here might have, and how did you handle it?

Realizing what Florida Rules require etc., but has anyone actually read say a 100 page or so Refinance Mortgage Package, and re-read paragraphs not completely understood by signer?

Would the T/C be required to give the NSA a heads up, (providing they knew themselves, of course) of a given situation such as this?

Reply by Philip Johnson on 10/30/07 2:38pm
Msg #218910

NO. How else does this person work with other contracts?

I would ask this person if they have a trusted friend/releative that can be there when you meet to hit the highlights.

Reply by Linda_H/FL on 10/30/07 2:42pm
Msg #218911

Re: NO. How else does this person work with other contracts?

That's not how FL works...page 36 of the manual and F.S. Sec. 117.05(14)(a)...

"The law requires you to read the document to the document signer before the notarization".

Ask title how they want you to handle it, and maybe fax them a copy of the pertinent FL regulation for this type of situation...I'd also think you'd be entitled to an additional fee for the extended service you need to provide....JMHO

Reply by Philip Johnson on 10/30/07 3:05pm
Msg #218917

That's easy then.

the 5 or 6 notarizations you read to him/her. The rest you use the trusted friend to hit the highlights.

Reply by Happy_in_Fl on 10/30/07 3:40pm
Msg #218923

Re: That's easy then.

That as Linda-Fl quoted is not what is required in Florida.

Wonder if such an individual could provide a temporary POA, just for that signing?

"Can such a person, give a POA, only for a certain time frame, for a specific need, say signing a Refi Mtg. for that one purpose only?"

Reply by Linda_H/FL on 10/30/07 3:51pm
Msg #218925

Re: Yes..he can give a limited POA limiting the powers of

the AIF to the transaction at hand - but it would have to be accepted and approved by lender prior to signing and the original would probably have to be recorded with the security instrument. That's probably the quickest and cheapest way out for all concerned.

Reply by Happy_in_Fl on 10/30/07 4:05pm
Msg #218929

Re: Yes..he can give a limited POA limiting the powers of

Thanks Linda- That makes good sense.

Reply by CopperheadVA on 10/30/07 7:57pm
Msg #218947

But you would have to read the entire DOT or Mortgage to the

blind person... 14 -16 pages at least, just for that one doc.

Reply by Linda_H/FL on 10/30/07 8:41pm
Msg #218958

Re: But you would have to read the entire DOT or Mortgage to the

By FL law, yes...we would..

Reply by Linda_H/FL on 10/30/07 8:44pm
Msg #218959

Re: P.S. and that why you'd need to know ahead of time

so you could price accordingly. MHO