Posted by Leon_CO on 4/16/06 5:31pm
Msg #113904
notary teamwork -- split signing
I received a call to do a split signing. First time ever doing one. FedEx delivered the loan documents to me on the morning of the signing, and the title company called me shortly thereafter (he must have had ESP). Nice guy to work with.
I did the first part of the signing in the afternoon, then passed the baton to my teammate in Virginia. My main concern after the signing was getting the documents dropped off so that they would arrive in Virginia in time so that he could do his part the following day. I sent him an email to introduce myself and to let him know that I was the one doing the first part.
There were a few things to be watchful of, but everything went without a hitch. It felt a little odd sending a loan package to another notary instead of to the title company. It was an interesting experience working with another notary whom I had never met, and would probably never meet. Hope to get a chance to do it again.
| Reply by lulu on 4/16/06 6:54pm
Msg #113908
Yes I have done several of these. They did seem a little different at first. Nice to know that
we can help acommodate busy schedules to that extent. 
| Reply by BP/WV on 4/16/06 7:21pm
Msg #113912
I had one on friday. I received docs from a notary in Virginia. Was a very quick signing since my scheduled signing was only for vested owner.
| Reply by LauraV on 4/16/06 8:44pm
Msg #113915
Professional courtesy
I have done dozens of these.
If I am the first notary, I always leave the original notarial certificates for the second notary. I attach loose certificates. I line out my borrower's name on the original certificates. Not only is this professional courtesy, but it also helps the second notary if she is new or has never done a split signing before.
But I have never enjoyed these courtesies when I am the second notary. My assumption is that the first notary either doesn't have my experience or was hired for a low fee by an SS. I don't blame the notary for either situation.
Being courteous and proactive helps get the loan closed.
Some of my faithful LOs use me exclusively because I taught them how to choreograph split signings.
Non-loan customers have also become faithful clients because of my knowledge of split signings. Last week a gal and her grandmother both needed to sign a POA. Gal was in my town, Grandmother lived far away. I told Gal how to arrange the notarizations. Gal told me that there was lots more paperwork to come and she would use me exclusively.
Work it!
| Reply by PAW on 4/16/06 10:02pm
Msg #113919
Re: Professional courtesy
>>> If I am the first notary, I always leave the original notarial certificates for the second notary. I attach loose certificates. I line out my borrower's name on the original certificates. Not only is this professional courtesy, but it also helps the second notary if she is new or has never done a split signing before. <<<
With all due respect, Laura, I don't think you should be modifying the notary certificate that another notary will be completing. I know I do not appreciate it when someone modifies my certificates as we are required to author our own changes. I've had 'helpful' agents modify certificates that they felt needed to be done, but the end result was that it made the certificate non-compliant with FL law, so a loose certificate had to be attached. I suggest that it is better to use the existing certificate, if you are the first on a split signing, and let the second notary attach a compliant certificate for their part. You may, as a professional courtesy, place a sticky note on the document if you feel that the second notary needs help in performing their duties.
| Reply by Bob_Chicago on 4/16/06 11:43pm
Msg #113932
Concur with Paul, and further....
If there are not separate "Date sensitive" docs such as
TIL and RTC, I make a copy prior to my guy signing.
That way the second signer has a clean copy to sign
and date with the date that they are actually signing.
In that way each party signs a RTC which includes thier
actual date of signing and last date to cancel and
signs a "dated receipt" for the TIL
In many cases , the TIL form has only one place for a date
even though there may be more than one signer.
Also if the first signer takes the copy set, I will make a copy of
the TIL and 2 of the RTC for each signer in the "second group"
and include them with the package to the 2nd NSA
If you are the second NSA, make sure that you have a "clean"
copy of the RTC and TIL for your signers together with necessary
copies of TIL and RTC. You should also determine if it is necessary
to provide a full set of copies for your signer(s). If so, you should
also make appropriate arrangements for compensation if you need
to make a full copy set for your signers.
Remember, each signer has their own RTC date computed
based on the date that THEY are signing.
Of course, you should make sure on the acknowledgements that
you are signing, include only the parties that you are notorizing.
Line out and initial any pre-printed names on the ack/jurat form of
parties that do no appear before you.
| Reply by Bob_Chicago on 4/17/06 12:10am
Msg #113933
Further thought
As second NSA , I have recd docs where the first "NSA" did not
strike out my signers name, and did their notorail thing as
though they were notarizing both signers.
In this case I do my guy correctly, and attach a note
when sending the docs back , so that the Title Co is alerted that they
should do what is necessary to have the error of the first NSA corrected.
Nighty nite
| Reply by Dee_Fla on 4/16/06 10:57pm
Msg #113923
I DO NOT want to sound "stupid" or ignorant here, but after reading this I think I mght had screwed up on something a couple weeks ago. I have never really done a "split signing" and think maybe that is what is suppose to be done a couple of weeks ago.
A couple weeks ago, I was called in to do a closing...I was told it was respa doc's. However, when I got to the closing, the borrower told me that they were refiancing. the confusing was the two notaries coming which confused the borrower. But the SS told me only I was doing the closing and no one else.
The borrower cancelled at the table cuz they were not happy with the terms and the fact that the LO did not bother to call for over a week to tell them what was going on, so they were confuse. They didnt even know the closing was going to happen until I and this other notary called. (at first I 'm thinking this is a double booking of notoaries).
To prevent any confusion, the SS advise me that the other notary was told not to go but the morning of the closing the borrower called me and told me that the other notary had just called and told her she would be there at 2pm. I was to be there at 10am. I tried to reach the SS but no one was available on Saturday (sux!!)..so i went ahead to do the closing...which ended up as cancelled at the table anyhow.
I was never told this was a split signing...just respa doc's. So maybe I'm just a tad bit confuse on this. It seem like I've done respa docs before...I seem to remember to have done so...but wondering if maybe the notary had different doc's. The SS never contacted me till 3-4 days later and they acted like they never got any of my messages (OK...I sent the message by voice mail, by fax and by email). however, the SS did advise me that the lender confirmed it was cancelled at the table. And seeing that the SS told me only I was going to do the closing is telling me this is NOT a split signing. Would I be correct on this?
Could someone just explain to me or give me some clue what the split signing involves so I know for sure if I was in the wrong or if I was thinking straight. Like I said, I don't want to sound stupid or ignorant. I just want to make sure I didn't screw up a closing by confusing the matter. I don't think I did, but just reading this post got me thinking maybe I did. If i was wrong, I will be the first to admit, but at the time, it didnt seem wrong. (OK..hope that made sense).
| Reply by Mindy_WA on 4/17/06 12:19am
Msg #113934
Re: Dee
A split signing would be with 2 borrowers, not 2 notaries. Sounds like the other notary had her wires crossed. You did right...and don't fret, nothing was signed anyway. In the case of a split signing, the docs would be signed in one location, with one borrower/seller etc., then shipped to another notary, and signed by another borrower/seller etc. Hope that helps.
| Reply by Mindy_WA on 4/17/06 12:26am
Msg #113936
Re: Dee...I mean
there obviously are 2 notaries involved, eventually...but not at the same signing table.
| Reply by Dee_Fla on 4/17/06 10:05am
Msg #113959
Re: Dee...I mean
Ok...I know what you mean now. (Wheewwwww!) I did one like that but I was the notary for the buyer & seller ...but that only happened once and went smoothly too. But I think I gotcha' now.
Thank you Mindy for taking the time to answer my question!
safe hugz, dee
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