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Re: dated loan documents
Posted by  JanetK_CA of CA on 1/9/20 2:57am Msg #614437
It depends on the lender. There are a very few who do request docs be signed before the actual document date (sometimes Wells Fargo is one, usually with docs mailed directly to borrowers), but most of the time it's a problem to sign before the document date. Many doc packages are what's called "date sensitive" and cannot be signed before or after the document creation date. (For non-date sensitive docs, it's not at all uncommon for documents to be signed after the document date.) And there's not usually any way for us to know that (beyond experience with a particular set of clients).

Your instincts so far are right on point. You'll find out in the morning, one way or another. Worst case, you'll have to print out another set (at least just one this time... Wink) and go back out. If so, the 2nd time will go much faster.

It's always a good thing to review the documents in advance - but good for you for noticing it before you shipped them back! If the appointment was scheduled for you by someone else, they should own most of the culpability if it IS an issue, so if you have to go back, you might want to try to negotiate some kind of additional fee for the extra printing, travel and signing time - maybe even another full fee. [But if this was your first signing, don't push too hard for that. A happy client - if they're a good one - is worth giving them a break, but don't let them walk all over you...]

FWIW, it does get much easier with time, but the learning curve is a long one. I'm not sure it ever ends - but it does keep this work from getting boring! Wink
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Messages in this Thread
 dated loan documents - Katrina Blatz on 1/8/20 11:29pm
 Re: dated loan documents -  JanetK_CA on 1/9/20 2:57am
 Re: dated loan documents -  Cheryl Elliott on 1/9/20 7:30am
 Re: dated loan documents - Luckydog on 1/9/20 1:02pm
 Re: dated loan documents - Calnotary on 1/9/20 3:20pm



 
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