Posted by CaSigner on 3/25/05 11:24pm
Msg #27752

Signing delayed until Monday - question re: dates

I received papers this morning for a signing that was supposed to happpen tonight (Fri) but it was delyed until Monday. Other than the RTC which I will recalculate using Monday as the signing date, do I just have the borrower sign and date using Monday's date as well. It's ok that the package will have the 25th on everything. I have never done a signing on any day other than what is stated on the doc's.

Reply by Northern CA signer on 3/25/05 11:42pm
Msg #27753

A question to go with your question. A signing service contacted me earlier this week, asking me to do a signing. I agreed and then the signing was moved to later in the week, at which time the lender called me and said I must back date the docs. The loan finally cancelled, but the lender told me on the phone I would kill the deal unless I backdated.

Is this "normal" as he assured me? I thought it sounded quite improper.

Reply by CaliNotary on 3/26/05 1:43am
Msg #27763

The only dates we need to be concerned about are the dates on our notarizations and the dates on the RTC. Those MUST be the current date, no matter what any lender or signing service tells you. It is illegal to notarize with any date other than the current one. 100% of the time. If they want to backdate all of the non- notarized docs, except for the RTC, they can, but there's really no point to that if the notarizations are on the current date.

If a loan doesn't fund because you didn't backdate, it's not you who killed the deal. Whoever didn't have the docs ready to sign on the date they needed to be signed is the one who killed the deal. Companies will try to manipulate us into doing it all the time, it's our responsibility to know and follow the laws of the state and refuse to do it. That other notaries do it doesn't make it legal.

NEVER EVER EVER EVER EVER BACKDATE YOUR NOTARIZATIONS!!!!!

Reply by PAW_Fl on 3/26/05 9:04am
Msg #27774

Backdating is illegal. Period!

What if you backdated and then where required to testify, under oath, that you performed the signing on the date and time as stated on the docs? And how would you reflect sequential notarizations in you journal?

Just say NO!

And, no, it is not the norm, except for those who have nothing to loose and everything to gain, like signing companies, loan officers, processors, etc. It's your commission and livelihood on the line, not theirs.

Reply by Northern CA signer on 3/26/05 11:12am
Msg #27779

Re: Backdating is illegal. Period!

Thank you. I knew right away it was fishy, but was not sure how naive I was being. I appreciate the confirmation that I was right to be concerned.