Posted by BetsyMI on 3/28/06 3:39pm
Msg #109124

Name mispelled on QCD

Had a closing today where the borrower's name was spelled correctly throughout a double loan package except for one QCD.

On the QCD, her first name was spelled correctly in three or four places, for instance, correctly spelled as "Nina" (not her real name).

But in several places in the paragraph part her first name was mispelled as "Neena" (again not her name), as well as under the line where her signature was required. We crossed out wherever it said "Neena" and printed "Nina" above or below it and initialed the changes.

Upon returning the docs to the title company, I pointed this out. The escrow officer said the QCD could not be recorded as such and said I should have called for a new one, which they could have emailed to us where I was doing the closing. I agree she could have, but thought what I did was correct. I did get paid, but wondered afterwards if I was wrong in doing what we did. If it had been in the evening and the TC were closed, there would have been no other choice. But this was during the day.

Comments from the experts?

Thanks

Reply by Colonel_IA on 3/28/06 3:49pm
Msg #109127

When in doubt always call the company is my motto. Even if it seems like a dumb question companies prefer answering "dumb" questions rather than trying to correct documents after the closing. When I started in the business six years ago there were no boards like this and I had no choice but to go to the source, i.e., the company. Even with boards you get the "correct" answer when you ask the company what they want to do.

Reply by Janlee_MI on 3/28/06 4:01pm
Msg #109135

Was correct but alot of recorders will not accept it.

If they are like most recorders Offices they are very particular at what they accept. Where I am at the Notary must use black ink but the borrower may use blue. (go figure).

I agree always call the Title Company. And make a note that way its on them and not on you.

Reply by Blueink_CA on 3/28/06 4:16pm
Msg #109142

Re: Was correct but alot of recorders will not accept it.

Same here, I always call the TC. If after hours & nobody is available, I put a post-it on the page showing the correction, (transposed # in address, wrong County, name mispelled, etc.) I don't know if this is the right way to handle it, but I've never heard anything back from TC. Anyone else? What if after hours?

Reply by Anonymous on 3/29/06 10:20am
Msg #109349

Janlee....what?

Please tell me where you have seen this Michigan Law that states.."Where I am at the Notary must use black ink but the borrower may use blue".
Who has told you this? Where have you found this Michigan Law? Please provide PA and/or
MCL.

TIA

Reply by TitleGalCA on 3/28/06 5:02pm
Msg #109148

I have 'em sign as it...

the the title company can strike out...white out...whatever they need to do. They have an original to work with that's not written all over.

BTW, I know lenders instructions say "no white out". But guess what? Everybody does it anyway. If they don't like the white-out they'll strike out, then asterisk and type in the correct name.

Reply by MelissaM_FL on 3/28/06 5:54pm
Msg #109167

Without reading any replies...any time there is a misspelling on loan documents, I call the SS or TC and ask for guidance on how to correct the documents. I note the name of the person I spoke with, date, time and that I called from the table on both my confirmation and on any invoice form that I send to the hiring agency. This especially holds true for any recordable document. I want any flak regarding changes to names to land on them, not on me.

Reply by pan/nd on 3/28/06 9:45pm
Msg #109226

Betsy,

Had one today I haven't seen before.

Signing is Friday. Docs come today. I open and look. Everything seems normal.

I look at the borrowers' names. OOPS

Wife's middle initial is a bit odd......it's "X".

Not impossible..but odd.

I call Mr. Borrower. "OH," he said, "She doesn't have a middle name."

Apparently somebody put an X to indicate Mrs. Borrower had no middle name and it got transposed onto all the docs.

Can't notarize those. Called the Title company. Said they'd get back to me. We'll see

Reply by ReneeK_MI on 3/29/06 5:34am
Msg #109250

It sounds like this QCD might have been prepared to correct her previously recorded & misspelled name? Reason I think this is because the name was on there correctly AND incorrectly, and in several places. Even if that was the case, then still the signature line was incorrect, and that posed a problem for you, the notary.

DURING working hours - I definitely agree, call title and ask, let them dictate how to fix and take notes on who said to do what.

AFTER hours - I will do what I know for absolute certain is correct, recordable, etc. Every problem has a solution - though we can't always offer the solution. When you said "crossed out", you mean you stuck through with one, single line using black ink, and printed correction with black ink, and had her initial with black? But - if the QC was to correct her vesting to begin with, it may be that you negated the intent of the verbiage? Just trouble-shooting here.

Without having the exact verbiage on the front of the deed, it's impossible to know what really was being done, and w/o that info, it's impossible to offer possible fixes.

Reply by BetsyMI on 3/29/06 9:22am
Msg #109310

Thanks Renee, but no it wasn't changing the name from the mispelled one to the correctly spelled one. Her first name was incorrectly spelled in several places, and the QCD was removing her previous maiden/married hyphenated last name to just her maiden name. And yes we did strike through the incorrect name with a single line and had her initial in all places.

Glad to know this wasn't a "blatant" error. TC says they'll take care of it. They have not asked me to go back out, so I'm not sure how they are taking care of it.