Posted by ewing2surf on 8/2/06 11:16am
Msg #136704

Signing at a Coffee Shop

So your signing two borrowers at a busy Coffee Shop. You have checked ID's got your signatures and thumbprints for a smooth signing. Lights not that good and there is a lot of distraction but your a pro so you focus on getting it done smoothly. The first 40 pages are faxed conditions that have to be signed and approved, typical purchase documents. Then we shift gears into the loan doucments. Yes you should Initial each page of the Deed and now I need to Notarize this Acknowledgment. OH shyt! The borrowers have been writing ONLY their middle initial instead of writing out their entire middle name. What should you do?

A. Start over and sign the copies

B. Keep quiet and let the signers sign the rest of the loan and hope no one notices at the escrow company

C. Stop and have the borrowers sign their full name on the rest of the documents. When finished have them sign their full names next to or underneath the undersigned signatures.

D. Call the NNA and ask for help

Reply by LkArrowhd/CA on 8/2/06 11:28am
Msg #136705

Re: Signing at a Coffee Shop-Joe Blow I once did a signing

in a bar I had coffee the borrower had wine, totally alert and spoke in a loud tone through the entire signing. He frequented the location often I assumed, it was snowing so he suggested the location because it would be difficult to get to his house even with AWD.

Then I also did a signing not long ago with a waitress who was waitressing as we signed, it was ridiculous to say the least....she kept popping up and down, but a very sweet young lady. She read nothing I was in and out in a half hour.....we adapt.....

Reply by DellaCa on 8/2/06 11:30am
Msg #136706

Re:Joe personally I would start over n/m

Reply by Charm_AL on 8/2/06 11:34am
Msg #136709

Definitely NOT B. or D. !

A or C are my options.

Reply by SueW/Tn on 8/2/06 11:43am
Msg #136710

~gulp~ Much as I would hate it, I wouldn't want to send back copies with numerous sigs. I think I would continue WITH the correct sigs, then go back and pull clean copies for the beginning, that way the flow would continue without having the whole table upset about starting over. Most likely I would slap myself for not catching it sooner, ~weak grin~

Reply by BrendaTx on 8/2/06 11:44am
Msg #136711

Re: Signing at a Coffee Shop - A or C

D -
However, I think calling the NNA is always an option if you want to gather information of no relevance to anything...IMHO.

B - You never can slip one past those escrow critters. Eagle-eyed rascals.

Reply by Charm_AL on 8/2/06 11:54am
Msg #136714

Re: Signing at a Coffee Shop - A or C - Brenda..

***B - You never can slip one past those escrow critters. Eagle-eyed rascals.***

Absolutely right on, however you will always get the bozos that turn the notary cheek and try and slip it through. This is why we have to jump hoops occasionally with fax backs, pre-test taking, calling them from signings, lowering of fees, receiving work through S.Ss because TC's can't deal with or don't have the time to babysit for what they might get for the $$$, and 'in general' B.S.

This Profession counts on integrity, ethics and morals....with an occasional flip flop, duct tape and chipped toe nail polish

Reply by Becca_FL on 8/2/06 12:10pm
Msg #136717

Definitely A. The guy I closed Saturday was writing the date 6/29/06 and I didn't catch it. Luckily he did and we replaced what we could and what we could not (o/n pkg), we lined thru, corrected and initialed.

Reply by SarahBeth_CA on 8/2/06 12:20pm
Msg #136723

E. NOne of the above

You tell the borrower before they start to pay close attention to how the name is preprinted and sign as it is preprinted. That some docs will have an initial some won't and some will have full name. Then when they pass the doc back you check it before putting it in the pile. When they are done recheck, there's double qc. And a headache avoided.

Reply by Charm_AL on 8/2/06 12:29pm
Msg #136726

that's a given, I assumed that everyone does that first.
Yes, you do review the docs as returned to you. Then I review the pkg as they are signing the journal at the end.

Reply by Ernest__CT on 8/3/06 7:00am
Msg #136767

One quick quibble!

Always, always, have the signer(s) sign your journal BEFORE signing the docs! That way you catch many errors and bad habits.

Some signers will "forget" to sign your journal, or even refuse.

I've had to stop more than one signing cold because the signer kept trying to slide a bad signature by me. "But I always sign this way!" No, you don't. And even if you did, you can't sign THESE documents that way unless you also sign a written statement that you are refusing to sign the way the documents are printed and that you alone are responsible for your loan not funding.

Reply by Becca_FL on 8/2/06 2:13pm
Msg #136748

Good point SB, but some people, no matter how many times you say it, will screw up because they may not be used to signing their name with the full middle name. I do agree that you need to check, check and tripple check the docs.

Reply by SarahBeth_CA on 8/2/06 1:43pm
Msg #136740

Are you writing a practice test?

It just seems to me that this cannot be a serious question. You as an instructor with 3000 signings under your belt cannot have actually been in the situation described. If you were then I shudder to think what your students are learning. And the question is very poorly written.

Reply by ewing2surf on 8/3/06 9:53am
Msg #136809

Re: Are you writing a practice test?

SarahBeth_CA what is up with you? This is a good Signing Agent question and it is one that I bring up in class. As vetern NSA's and Notaries we are here to help each other not to take cheap shots and make idiotic comments about the poster. Sweetheart, how about letting us read your no doubt very interesting profile and see if you actually walk on water.

Unless you have some actual experience doing signings in difficult locations you couldnot understand that to discover a signature error while acknowledgeing the deed of trust is about when it will happen. That is provided you Notarize at the signing table. There are several right answers in my question as well as several possiable re-actions. Some NASA Newbies might try the NNA 800 # since the signature on the deed doesnot match what's printed on the document. Some NSA's would argue that the middle initial is the full middle name according to the signer and would leave it alone. Another choice that I left off was that some NSA's are always in total control of the signing and never make mistakes. Therefore they would not see this type of error.

Reply by SarahBeth_CA on 8/3/06 2:32pm
Msg #136842

Re: Are you writing a practice test?

Joe you failed to teach how to avoid this from happening. Proper qc will keep you from getting 40 pages into a set of docs before noticing the borrowers error. Finding an error during first or second qc on a doc or two and having them fix it is much better than having to start over.

Joe I am responsible for my work as opposed to you who have taken on the responsibility of instructing those who are just joining the field.

When I first became a nsa and started reading the boards one of the most helpful posts was on how to properly qc. By telling the borrower to pay careful attention to how their name is typed and to sign accordingly, by checking the docs when each one is passed back and rechecking when finished; it doesn't matter if your signing in a Coscto food court, the office of a trucking company, or a Starbucks at 10 on a Friday night you will ensure a job correctly done.

Oh and you don't get to see my profile as I hid it due to cross country relocation. Tracy asked me to do this. I'll be ready for action again in just a couple of weeks.

Reply by Brenda/CA on 8/2/06 3:02pm
Msg #136753

Why on earth is "D" even on there? What is the NNA going to do? You already know that the borrowers are supposed to sign just as their names are preprinted under the signature line. I would have them line through the errors, initial the mistake, and re-sign correctly.

Reply by Joe_PA on 8/2/06 3:50pm
Msg #136760

I had a signing at a Starbucks. the two parties involved were getting divorced and neither wanted to be in the others house. It went pretty smooth

As far as signing names/initials etc. I always look at these documents as a legal documenst. which they are. I would go with option C have everything signed corretly by going back and resigning under the other name.

I have had documents typed with maiden name and shoudl be married name and visa versa. I usually make them sign both names and also make sure that the signture verfication is filled out showing both names being the same person.

Signing service has thanked me for doing this as they do not have to go back out.