Posted by Delta_CA on 7/25/06 9:39am
Msg #135137

Proper Way To Sign? n/m

Reply by Delta_CA on 7/25/06 9:47am
Msg #135139

Proper Way To Sign?

I have been working for a lender that is a stickler for the borrower signing "exactly as the name is preprinted". More times than not the borrower has a squiggle for their "signature that is completely unrecognizable. What to do? I should mention, this lender sent me out to re-sign the deed because they couldn't quite make out the middle initial in one of the signatures.

Reply by Signing_Doc on 7/25/06 9:59am
Msg #135141

Re: Proper Way To Sign?

did you have one of those aka statements which showed that the squiggle is their signature. If the squiggle matches the squiggle on their id, and the squiggle is the same on the aka statement, until the company is a real 'pig', then they should accept the squiggle. You told the borrower to sign exactly as the name is preprinted, and the squiggle is 'exactly as the name is preprinted.' Do they want the borrowers signature?....or do they want the borrower to make something up to please them? In the service, the commander of the base I was at was Charles H. Pierce (now retired or passed),,,his 'signature' looked like the word "Cleo"...(I was in personnel and he had to sign all discharge requests)...we recognized his "Cleo" and knew that it was HIS signature. Same situation here...the 'squiggle' says Joe D. Borrower (exactly as preprinted). I would contact the lender and advise them that this IS the signature they requested and (if they desire) you will send a xerox copy of their ID to prove it.

Reply by Lee/AR on 7/25/06 10:01am
Msg #135142

Re: Proper Way To Sign?

Ya' can't tell a person what 'their signature' should look like. But you can tell them the Lender isn't happy and the one with the $$ makes the rules, so what does the Borrower want to do?

Reply by Delta_CA on 7/25/06 10:19am
Msg #135147

Re: Proper Way To Sign?

I don't think its that simple. The borrower's attitude is basically that the lender can accept their "signature" or they can go pound sand.

Reply by Signing_Doc on 7/25/06 10:22am
Msg #135148

Re: Proper Way To Sign?

i agree with the borrower's. This is MY signature and this is the way I sign. If you (lender) don't like it, tough noogies, BUT you better not screw up my loan. If you do, then I (borrower) will go medieval on your hinnie and sue you. JMHO. OR they can just 'jump through the lender's hoop' and never use them again...and tell all their friends NOT to use this lender and LO again......which do YOU think the lo would be happy with? mmmm/??????? JMHO "Doc"

Reply by Delta_CA on 7/25/06 10:28am
Msg #135151

Re: Proper Way To Sign?

I agree. I really think that the lenders, TC's. et. al. should rethink the "signing process" completely. After all, that's what we do, right? We're SIGNING agents and people SIGN their name and forcing them to make up a signature that is not "theirs" just so it will look "exactly as preprinted" defeats the whole purpose of why we are at the SIGNING table, I M H O.

Reply by PA_Notary_II on 7/25/06 10:23am
Msg #135149

It never ceases to amaze...

These companies hire us as Notaries because we (by law) have the ability to certify ID and guarantee that the signatures provided are true and accurate.....then they question whether the "squibble" is an accurate representation of the signature. What the he77 do they want??
If I notarize a signature, I am certifying that I WITNESSED the individual actually sign the document. If I certify it....it is the actual signature.....otherwise the trashman could witness it, or the auto mechanic, or the hairdresser...etc, etc. Jeeze.....

Reply by MichiganAl on 7/25/06 9:07pm
Msg #135266

I kid you not, I had one tonight...

where the borrower's signature for his last name was a drawing of a cart being pulled by a horse (honest, I asked). Most bizarre signature I've ever seen. But that's his signature, period. That's how it was on his driver's license. That's how he signs. We can't have people change the WAY they sign, THAT can really cause trouble down the road. When we say, "sign as it appears," we're talking about people with legible signatures. If the lender says the borrower should change the way they sign, they're wrong and their idiots. Good luck in court telling a judge you (the lender) refused their loan because you wanted them to alter their signature.

Reply by ewing2surf on 7/25/06 10:13pm
Msg #135276

Re: I kid you not, I had one tonight...

HA! I take it the cart was his last name.

Hispanics are my favorite signers and are the most creative. One of my signers signed his name, then turned the document upside down and signed has name again right on top of his first signature.

Reply by BrendaTx on 7/25/06 10:49pm
Msg #135281

Re: I kid you not, I had one tonight...

Nigerians draw something ... symbols...or at least mine did.

Reply by CaliNotary on 7/25/06 11:43pm
Msg #135293

Re: I kid you not, I had one tonight...

I was recently told by NASCO that Citibank is really cracking down on the way their docs are signed and that they're going to start rejecting "chicken scratch" signatures because "anyone could have signed it".

Ummmm, isn't that what the notary is for?

But I've been given instructions that if the borrower isn't willing to legibly sign exactly how the name appears on the docs, I'm to adjourn the signing.

I swear, these signings are almost becoming more trouble than they're worth. It seems like every month there's a new regulation that we need to follow, each one nitpickier than the last.

Reply by ewing2surf on 7/25/06 10:05pm
Msg #135275

Re: Proper Way To Sign?

Hi Delta

Experience is the best teacher in this situation. Just remember if the borrowers regular signature is the wey he signes his regular name you are in the clear. However if the way he takes title is different as in middle name or middle initial the lender will want something scratched between the first and last name.