Posted by BrendaTX on 11/18/04 7:46am
Msg #11567

Unusual? Last Minute WAMU eDocs

Been looking for these since yesterday morning for a 10 am -1 hour away. Made many calls by this time alerting the Title Co. starting at noon yesterday.

Title Co. said they just got them yesterday. Called them at 7 am my time, and now they say WAMU still has them.

Now they have to eDoc them to me. Never ran into a last minute WAMU and have a busy schedule planned today.

What are the chances this will fall through and reschedule?

FIRST time I've had WAMU "eDocs" - usually get them a day ahead. And, usually this combo of lender/title is a well-oiled machine.

Up at 5 am this morning getting ready for eDocs. I am sitting here all dressed and ready to run out the door.


Insight from the wise ones requested.

Reply by lat on 11/18/04 8:04am
Msg #11569

I don't know a lender or title company that gets to work so early in the morning. I have been in the industry for 20 years and you are will be lucky to hear anything before 9:00 am. Hope you get all of your business completed today.

Reply by BrendaTX on 11/18/04 8:12am
Msg #11570

Said lat: "I don't know a lender or title company that gets to work so early in the morning. I have been in the industry for 20 years and you are will be lucky to hear anything before 9:00 am. Hope you get all of your business completed today"

Lat: It's 8 am here in Texas, 6 am in CA. Would it not now be 9 am on the East Coast?

http://www.timeanddate.com/worldclock/

Reply by lat on 11/18/04 8:34am
Msg #11572

Yes, it would. good luck,,,

Reply by BrendaTX on 11/18/04 8:50am
Msg #11576

Final Outcome

The borrower's cannot pay the closing costs. It's off my schedule.

For the Newer ones reading: I called borrower's to advise we had a problem with our 10 am appointment. When They told me the closing costs were too high, I said, in an attempt to get off the phone, "Well, things like that happen. We just won't worry about it, today."

Mr. says to Mrs. "Hey, she said they do this do people ALL the time!"

I thanked them and got off the phone, called to update the fellow at the title company on our mutual concern for docs. I told him what my "nothing" remark was transposed into. He laughed and understood.

Moral of the story: The less said to borrowers the better.

I have to keep relearning that about once a week.

Reply by CarolynCO on 11/18/04 9:36am
Msg #11584

Re: Final Outcome

**I said, in an attempt to get off the phone, "Well, things like that happen. We just won't worry about it, today."
Mr. says to Mrs. "Hey, she said they do this do people ALL the time!" **


I'm sorry, but I would have pointed out to him that "that's not what I said."

Reply by BrendaTX on 11/18/04 9:53am
Msg #11585

Re: Final Outcome

Carolyn said: 'I'm sorry, but I would have pointed out to him that "that's not what I said." '

And, that's excellent advice - no need to apologize.

But, it would not have mattered, in this case. He put "Momma" on the phone and she began to give me a run down on what she told Mike, and what Steve said. I don't know who Mike and Steve are. That's what I was dealing with.

It would have been wasted words in this case since I was not taping the phone call. They heard nothing they did not want to hear.

Reply by CarolynCO on 11/18/04 10:27am
Msg #11589

Re: Final Outcome

**It would have been wasted words in this case since I was not taping the phone call. They heard nothing they did not want to hear**

You've got that right. When I worked with OSHA our phone number was one digit different than the phone company. We could tell people over and over that we were not the phone company -- didn't matter, they were on a roll and just kept talking. One particular day I told this woman at least 4 times we were not the phone company. I guess I was either bored or the devil was sitting on my shoulder -- I asked her exactly what was wrong with her bill. She proceeded to tell me that it was entirely too much, blah, blah, blah, so I proceeded to tell her a "secret" that very few people know -- that the phone bills don't really reflect what customers must pay -- that the bills just keep us a job, and if the people pay what the bill says, then we just get more money in our paycheck -- that she could just send in whatever amount she felt her phone service was worth. She was so happy and pleased to have learned about the "secret" !! <g>

Reply by Dogmonger, ca on 11/18/04 2:08pm
Msg #11610

That was BAAAAAADDDD

But oh so funny solution to a difficult caller:-)

Reply by CarolynCO on 11/18/04 2:44pm
Msg #11612

Re: That was BAAAAAADDDD

Besides that -- it kept me off the dreaded once-a-week backup phone coverage for the receptionist!

Reply by CaliNotary on 11/18/04 1:58pm
Msg #11605

Re: Final Outcome

"Moral of the story: The less said to borrowers the better.

I have to keep relearning that about once a week."

Ain't that the truth sister. No matter how carefully I choose my words it's inevitable that some borrowers are going to twist them to suit their needs.

Reply by HARRY M RUBEN on 11/18/04 8:59am
Msg #11578

NOT SO WISE, BUT EXPERIENCE TELLS ME THAT REPEATED SNAFUS OFTEN RUN INTO RESCHEDULED APPOINTMENTS. NUMEROUS REASONS AND SOMETIMES THE LOAN TOTALLY GOES SOUR. GOOD LUCK; ONE OF THE HAZARDS OF BEING A SIGNING AGENT.

Reply by BrendaTX on 11/18/04 9:11am
Msg #11580

Harry wisely said: " ... but experience tells me that repeated snafus often run into rescheduled appointments. Numerous reasons and sometimes the loan totally goes sour. Good luck; one of the hazards of being a signing agent.

And, he was right.