It's so great how things get disected, examined and critiqued here. It is a great exercise and opportunity to learn new information. This was a very simple ID affidavit of credible witnesses because the borrower only had a bus pass for ID, no DL or passport. The notary was directed to use the affidavit.
Guess they got lost between loan origination and the day of signing. Bank to bank refi, big box bank.
There was actually a sample self-proving ID Affidavit of Credit Witnesses in the Oregon SOS handbook. The credible witnesses signed the affidavit and swear to an administered oath, and sign the journal as credible witnesses. |