Reply by BrendaTX on 12/18/04 7:19pm
Msg #14061
pinnam said "Help, I am kinda nervous about going out on my first signing any suggestions????????"
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Pinnam... Here is a message I posted back in September. Go back, Read the thread that this message appears in.
http://www.notaryrotary.com/forums/forumsbody.asp?id=BTE716EJ&forumid=1AAA00000003&messageid=1AAA00030677&action=view&rid=&replytonbr=&replytoid=&subject=&format=flat
Good luck,
Brenda
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Re: No docs delivered yet
Posted by BrendaTX on 9/2/04 9:20pm
Msg #7239 from logged in user
Be calm. It's likely the borrowers will consider you are an authority on this subject, so you will have control of the situation if you do not panic.
Put things in perspective. The fact that you are stressed means you are going to try to do a good job. The worst thing that can happen is that you completely blow it. No one can eat you or stop you from being a signing agent.
As soon as you have your hands on the docs, get a piece of blank paper and neatly write or type in letters large enough so that it can easily be seen:
09/03/04
3rd day of September, 2004
September 3, 2004
(Because you may need all three forms of the date and you will be surprised how much this will help you if the borrowers are nervous.)
Next, find the Deed of Trust (or First Mortgage Lien or Mortgage) and print the Borrower's name(s) out like it is in the Deed of Trust.
Underneath that in smaller letters put "(RTC is September 8, 2004)"
Next, find the number(s) that you call if there are problems and write it on the back of that page--clip the page to the top of the stack before your appointment.
Pull the Right to Cancel to the top and start with that document so they remember that there is a 3-day recission period--unless, of course, you are told to do the docs in a certain order. The escape hatch of the RTC usually makes for a smoother signing if it is done at the beginning rather than the end.
When you get to the appointment, introduce yourself with a firm handshake, talk little, keep your composure, do not accept a drink or food.
Lay the page on the table and use it to refer to. At the beginning, you can refer to the page and say, "This is how you need to sign your name unless the documents you are signing has your name printed otherwise. In that case, sign the way it is on the document."
You can use the sheet to stay more focused. Don't burn up your mental energy trying to recall these little details. The Borrowers will refer to the sheet and interrupt your thought process less.
Do not act like you are nervous or in a hurry. The borrowers may interpret this as rushing them.
Go through the stack one document at a time, be calm and take it one step at a time. Do not tell the borrower that it is your first signing. If questions arise that you do not understand, explain that as the notary it would be better for someone involved with the loan to answer that question and then, use the number on the back of the page. If no one is available, refer them to the date on the page you made and remind them of the 3 day recission period which in this case is September 8.
One more note--show the borrowers you have a copy for them, but I usually place them at the end of the table away from them or put them in a chair so they will not "get into them." If they do that, you will have less control, docs will get mixed up and it will be hard to manage the docs (and the Borrowers) because they will read and not pay attention and drag it all out.
It will get easier.
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Reply by HisHughness on 12/18/04 11:14pm
Msg #14083
Re: newbie...and Brenda's repeat message
Brenda, is it your intent to reprise all your posts? If so, you may want to warn the server, so that they can begin installing additional capacity. In fact, you may wish to warn Harry, all the participants in this forum, and any potential users exactly what is in store for them.
On second thought, forget about warning potential users. If they can learn how to deal with your posts, 100+ pages of loan docs are going to be a breeze.
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Reply by Ted_MI on 12/19/04 3:57pm
Msg #14105
pinnam,
The secret is being well-prepared. Hopefully you will get the documents soon enough so you can do this. And then what you should do is go thorugh the documents carefully and use "flags" indicating what should be done where. If you've flagged everything, the actual closing should be a no-brainer.
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