Posted by Anonymous on 1/16/06 9:10am
Msg #88624

Please help.

Reply by Anonymous on 1/16/06 9:13am
Msg #88626

Borrower has the name on docs: JOHN D. SMITH,
ID is: John David Smith Jr.
Does the AKA takes care of this?
OR should I refuse to notarize his signature.
Is this a case of more info than the docs need it?

Reply by janCA on 1/16/06 10:48am
Msg #88645

What state?

ID is more. If you're in CA, yes, you can notarize.

Reply by eXpedN_TX on 1/16/06 10:49am
Msg #88647

Re: What state?

Same in TX.

Reply by Anonymous on 1/16/06 10:52am
Msg #88648

Re: What state?

I am in beatiful Northen CA!

Reply by srnotary_CA on 1/16/06 10:54am
Msg #88649

Re: What state?

Would that also apply to having two last names?.... ex: John James Joe Doe

Reply by eXpedN_TX on 1/16/06 10:57am
Msg #88650

Re: What state?

You should be fine according to other CA's. It's the reverse you want to be careful with. Having more on the docs than ID can be messy. I've had this happen and the SS told me the TC wanted me to have the borrower line through the middle name, correct it, then initial the correction. It was a long and arduous task. The SS called a few days later and wanted it redone with the paperwork corrected. The borrower was not happy, but still pleasant to work with.

Reply by Dawn/CA on 1/16/06 12:12pm
Msg #88657

I was told not to notarize because how do you know if it's the father or the son on the docs? The son could try to scam the father.

Reply by Paul_IL on 1/16/06 1:13pm
Msg #88665

And who were you told this by?

Reply by cyndi_ca on 1/16/06 1:19pm
Msg #88666

The ID can always have more but never less.

Reply by Dawn/CA on 1/16/06 2:09pm
Msg #88675

I was told this by my notary instructor.

Reply by PAW_Fl on 1/16/06 3:15pm
Msg #88687

Well, if that was the case, then very few signatures would ever be notarized. Do you have any idea how many people have the same name? If the documents simply say "John Doe", then anyone with any of the following names as shown on their ID would work:

John Doe
John Q. Doe
John Quincy Doe
John James Doe
John Michael Doe
etc. etc. etc.

As long as the name on the documents are fully contained within the name as presented on the ID, and you are reasonably sure that person you have ID'd is one and same person referenced in the documents, then you have fulfilled both your notary and signing agent obligations of properly identifying the borrower/signer. If you are doubtful whether or not it is a son instead of a father, check addresses on the drivers license to see if it matches. Look at utility bills, etc. to create a confidence level. Just remember, that the notarial guidelines are minimum requirements for notarizing a signature by statute. You don't need to read into the laws when IDing signers.

Chances are, you will find that 10% or less of the time, the name on the document will exactly match the name on the ID. All too often, middle names are not used, either completely missing or only a middle initial will be present. Then there are all the different variations of married, maiden, maiden-married, former-current, names that may be on ID's but not necessarily exactly the same on the document. And finally, we always run into the "nickname" or the "translated" name (e.g., John - Juan, Pablo - Paul)

Reply by Anonymous on 1/16/06 2:50pm
Msg #88685

They would have the same name,but also the SS number, Signature, Phisical description?