Posted by John Humphrey on 11/5/05 12:37am
Msg #74509

Notorial Wording

This is just one of those little things that seems to be a constant annoyance. You would think that a major banking institution, regardless of their location geographically, would have stored in their document data base the proper notorial wording relevent to the state in which the signing is to take place. In California it is particularly important that proper wording be used.

Just blowing off a bit of steam.

Reply by PAW_Fl on 11/5/05 7:47am
Msg #74523

That would require each different 'generator' (software used to generate the the documents) to maintain a database of 'forms' for each state. And that database of forms would have to be constantly monitored as well as each state legislature would have to be monitored to ensure that the database is up to date. (States do not notify software developers of changes to documents.) Doing this type of high-maintenance is cost prohibitive. And who would be responsible to making sure the database is up to date? The software developer? Not a chance. The mom & pop title company? Again, probably not. Though this is a good idea, I just don't see it as being practical. The software is written and 'tweaked' for the majority of circumstances. The odd instances have to be handled as they happen. That's one reason pen and ink are still available in most stationary stores.

And, to top it off, when the documents are prepared, there's no guarantee that the certificates would be correct anyway, since there are many times the documents are not signed in the same county nor state that the property is located in.

Reply by Kelly M Robertson on 11/5/05 7:59am
Msg #74527

You are so right, Paul. I don't think this issue is that big a deal anyhow -- many of us have been dealing with it for years and year and believe me, we will continue to deal with it for years and years. It's a part of our job to use the legal notarial verbage and at times, it only involves a stamp - no biggie!

Reply by Ernest__CT on 11/5/05 5:38pm
Msg #74643

I'm happy if they just ...

... have the borrowers' names spelled correctly. I'll fix the notarial wording and "State of Iowa" instead of "State of Connecticut" errors. Having the borrowers correct every single instance of their names and inital the changes, however, makes the signing twice as long.

I seriously wish there were some way to penalize the person who drew the docs, so the borrowers and the NSA could be compensated!

Reply by Jenny_CA on 11/5/05 6:08pm
Msg #74648

Re: I'm happy if they just ...

I had a signing two days ago and I was thrown of because all the docs had the correct wording. I kept double checking the wording so many times that I forgot to fill in the county on two forms. Hadn't done that since I became a Notary Public.