What would you do?
I accepted this signing Friday at around noon while on the road. I am familiar with this TC and have never had any problems with them. Signing is scheduled for Monday, 10/14th, at 1pm. That is a holiday for many. I noticed email came in shortly after 5pm notifying me docs were uploaded. Great! I thought. Got home around 9pm on Friday, dead tired and didn't bother accessing emails.
Saturday morning, I opened emails. Called and left v/m message for borrower to confirm. Printed docs. Then I noticed it's a rather small package. Prepped it and … lo and behold! no Note and no Deed of Trust. It's from a credit union (which are typically small packages) and appears to be a 2nd mortgage loan. I immediately emailed TC about missing docs. To date, no response.
Meanwhile, borrower texts me that he thought we were meeting on Sunday, 10/13th, and would I please confirm. I check docs. All dated for 10/14th. I reply to him that my work order says the 14th and all docs are dated for the 14th and cannot be signed prior to that date. Also let him know I have an inquiry in to TC about missing docs and would he please contact his LO. To date, no response.
I've now left a message at the emergency after hours phone number for TC.
What would you do? If borrower is willing, would you sign as scheduled and probably have to make a 2nd trip to sign all missing docs? Or, would you simply cancel at this point until you hear from TC, which may not be until Tuesday? |
| Messages in this Thread |
 |  Got docs - no Note, no DoT ... -  Yoli/CA on 10/13/19 11:51am |
|  Re: Got docs - no Note, no DoT ... - Lee/AR on 10/13/19 12:20pm |
| Re: Got docs - no Note, no DoT ... - Luckydog on 10/13/19 2:15pm |
|  Got docs - no Note, no DoT ... - Gary Boehm on 10/13/19 2:52pm |
|  Re: Got docs - no Note, no DoT ... - Yoli/CA on 10/13/19 3:05pm |
| Re: Got docs - no Note, no DoT ... - SteveS/CA on 10/13/19 7:34pm |
| Got a Credit Union Signing Exactly Like That - Scriba/NM on 10/13/19 3:30pm |
| Re: Got a Credit Union Signing Exactly Like That - Yoli/CA on 10/13/19 4:02pm |
| Sometimes you have to hammer the borrowers with phone - Scriba/NM on 10/13/19 4:12pm |
|  Re: Sometimes you have to hammer the borrowers with phone - Yoli/CA on 10/13/19 4:26pm |
|  Assume you tried a text, as well? - JanetK_CA on 10/13/19 7:07pm |
| Re: Got docs - no Note, no DoT ... - SteveS/CA on 10/13/19 7:31pm |
| Re: Got docs - no Note, no DoT ... FINALE - Yoli/CA on 10/14/19 12:32pm |
| Re: Got docs - no Note, no DoT ... FINALE - Nicholas Kontgas on 10/14/19 1:35pm |
| Ouch n/m - Luckydog on 10/14/19 6:40pm |
| Nicholas & LuckyDog said it all. It's a make lemonade day! n/m - Lee/AR on 10/15/19 6:12am |
| Re: Nicholas & LuckyDog said it all. It - Yoli/CA on 10/15/19 10:47am |
| Sorry to hear that. Yes, we're often blamed for things - MW/VA on 10/15/19 8:57am |
