Posted by Calnotary on 5/26/06 3:07pm
Msg #122523

Crazy borrowers?

I been trying to schedule a signing with a borrower, and he is not answering my phone message, well he finally called me back, and he was so upset!

He wanted to know who I was,
Where did I get his phone number,
He told me that I wanted to rip him off
That I wanted to steal his house
He told me that what bank I was working for
That he never signed docs at his house and that I wasnt comming to his f***** house
Any ways I just told him to call his loan officer and ask him how the process works, NOW, he
wanted to know if I knew his LO name, he end up hanging up on me.


I called the SS and cancelled.

I had enough headaches Yesterday with EOM, I got home almost 1AM.

Thank you guys! Bye.

Reply by kate_nortca on 5/26/06 3:11pm
Msg #122524

I wouldn't touch that one with a ten foot pole either! I did one in a neighboring town earlier this week where the borrowers (father and daughter) argued for a good hour while I patiently waited for them to decide whether or not to sign. I finally excused myself and went outside to call the signing service and tell them I was leaving, when the father came out and said they were finally willing to sit down and take care of business. By that time I was out of patience but we got them signed anyway. Crazy!

Reply by Drakester_IA on 5/26/06 3:21pm
Msg #122529

Good point. But if you spend 5 hrs running after docs and 2 hrs between signing docs, confirmation, sending back etc.... you have spent 7 hrs, divide that by oh say $100.00 you are down to $14.29 an hr minus your gas .... ooops you are now back to an hourly wage of $10.00 an hour, oh and lets not forget if you have to print the docs. Sorry to disagree but if you waste too much time running after docs, you loose. Not the signing company, not the title company and definatly not the borrower. And as you said we got into this to make a living.

This of course is IMHO

Reply by Drakester_IA on 5/26/06 3:22pm
Msg #122531

sorry replied to the wrong post LOL

Reply by KS_king on 5/26/06 3:18pm
Msg #122528

OMG...I had a similar one...but maybe not as "crazy". My borrower wanted to verify my identity, and wanted his attorney present. I called SS...no way, I'm not going to sit at this one for hours while borrower pick apart each document. No serie...unless they are going to pay me by the hour.

Reply by Pat/IL on 5/26/06 4:02pm
Msg #122543

I have never had a problem with the borrower's attorney present. If anything, it has put the borrowers at ease. If the attorney knows his/her stuff, s/he is not going to question most of the documents. S/he will know whether or not the charges on the HUD are customary, and will know where to find the loan terms on the note. If all is well there, the rest is cake. If not, maybe an early mercy killing.

In my experience, the problems occur when they have a relative or family friend along to "protect" them. This is where it gets ugly and the clueless protector reads everything, misunderstands most of it and makes the most hay of the silliest details.

As to the borrower wanting to verify your identity, why not? They want to know whom they are inviting into their home.

Reply by KS_king on 5/26/06 4:46pm
Msg #122554

The problem was not having an attorney present. I have done closings with attorney present before. The problem was the borrower's attitude. I didn't tell my whole story. The borrower was upset to get a phone call from me. And didn't call me back until 2 days later when I called for the third time. He was very skeptical about the whole process. When he asked me for my notary certificate number, I told him that he can call SOS and give my name to verify that I am a licensed notary. I was on my cell phone and couldn't give him my license number. He asked me why he could not hear cars going by if I was telling him the truth. Then he was very upset that I have his loan docs and what would I do with the docs if he didn't sign...and what about the copy on my computer, what would I do with that. He was defenitely a very insecure man, not to mention rude and had an ego bigger than his house.

Reply by SueW/Tn on 5/26/06 6:43pm
Msg #122572

I guess I see things differently in this day of ID theft, I don't think one can ever be too careful. Matter of fact I marvel at how easily we get into people's homes, get all their personal information and all they have to go by is our word. The other day I was in a big fancy high dollar place with a business type gentleman, nice as could be but very intimidating. I asked for his DL and he very politely gave it to me and watched me enter his information in my journal. Then this "other voice" took over and he asked to see my DL and my commission. First time for that, I handed them over and honestly felt a little weird having someone else look at my personal information. Just a touch of what he was going through and yes I gained an entirely different view of my borrowers. I find your borrower very protective of his personal information, as we all should be.

Reply by LkArrowhd/CA on 5/26/06 8:25pm
Msg #122592

Re: Crazy borrowers? I'm with you SueW/Tn

I have no problem presenting the borrowers with my ID either in fact they all should probably ask to see our ID, after all we have their social, DL, and on and on.

Reply by BrendaTx on 5/26/06 9:15pm
Msg #122596

Re: Crazy borrowers? I'm with you SueW/Tn

I was so concerned about that kind of a situation (showing ID) when I first started this that I printed up cards with my notarial commission number on them. Only one single time have I been required to show who I am to someone.

Reply by SueW/Tn on 5/26/06 9:23pm
Msg #122597

Yep Brenda, it's only happened once to me too but

it got me to thinking how I would handle the same situation. When I first started I was worried about my own safety when another SA remarked "sure, I can see it now...a mass murderer is going to go through the hassle of getting a refi so he can lay in wait for you" and I had to chuckle and agree. In times like we find ourselves in now I can't help but say that you can't tell what is a "safe area" and what isn't. People are nuts and they come in all shapes, colors and sizes. I am sure if I were a single borrower and a male SA phoned to say he was bringing loan docs, I would have someone there with me. No offense to you guys, I've just learned the hard way you can't hand out trust like gumballs. I would also ask for ID, probably copy it onto the SA's card and I would watch what I signed closely. We assume these folks should scurry through the package and let us get on our way...comfort first, speed follows. We need to remember to walk in their shoes, it's a stressful time for them to begin with or we most likely wouldn't be there. I have only signed one loan that the borrower did it only because the rates dropped, most are under the gun and by the time we get there nerves are shot.

Reply by BrendaTx on 5/26/06 9:38pm
Msg #122602

Re: Yep Brenda, it's only happened once to me too but

Yes, I have made the same remark about the serial killer welcoming me into the parlor of torture - the mass murdering bwr would wait for the next victim to take his blood lust out on.

I agree that it is very dangerous to trust. When I was young, I had a nice little church-going couple next door.

Had it not been for a my girlfriend down from Dallas one night I would not be here...I would be dead and on Cold Case Files. My neighbor, a man with a good job, a wife and child broke into my bedroom window one night...he just did not know I had a girlfriend with a very protective dog doing a sleepover.

Her dog barking woke her up and she saw the guy in the room she was sleeping in...my son's little room.

She reacted better than I - if I had seen him in my house I would have been frozen. She armed herself with a box of Lincoln Logs and a plastic bat, and opened the door to where I was snoring while the creep was trying to bind me up and do whatever at knifepoint. I refused to wake up...even when she was yelling at me to call the police. I was really tired. Mad at her for being so jumpy at every little noise. I told her to go back to sleep. The dog cornered the guy while the police came. He did time.

I have never, ever looked at people the same way again. It took years to sleep again.

Reply by BrendaTx on 5/26/06 6:56pm
Msg #122575

Re: Crazy borrowers? OT

I hear so much about crazy borrowers I am beginning to think that all bwrs must be a subset of ex-wives. We all know that all ex-wives are crazy. Every single one.

Over the course of my life I have never met a man who said much about his ex-wife except that she was, of course, "crazy." Of course she was!

It's just that simple...a woman coming undone, then going nuts...then, bouncing back to full mental capacity. It is as simple as sliding her back and forth over the fine line that divides the sane from the insane.

This is not just manly-jabberjawing...women seem to like to say other wormen are crazy a good bit of the time...but especially a sane new wife discussing the insane ex-wife.

Don't new wives know how the husbands explained things before their time? Eeven about the ex-wife during the progressively worsening disharmony? The ex-wife story was not always about her drooling and trying to bite the heads off of snakes. She was not always crazy...no, not at all.

She was just fine until she decided to leave him.

When she files for divorce
CLICK! insanity has happened. She's biting rattle snakes and going up and down the street asking the neighbors for salt and pepper.

Wow...If she comes "to her senses"
CLICK! back to perfectly normal again. Great woman...really puts up with a lot from him.

Re-files - she NUTS. Where's the straight jacket?
Puts it on hold - she's great again. Only Mother Teresa is as kind.

As a consequence, I have a scientfic hypothesis about "crazy borrowers" and the notaries who "spot" them.

All crazy borrowers are actually divorced women.

All those notaries who spot them were actually either married to them. or they are married to a man who was married to them.

None of that really made any sense...I am an ex-wife, you know.

Reply by Missy_Lulu on 5/26/06 9:58pm
Msg #122606

Didn't you post about this awhile back? Seems like I remember it.

I go to signings with a copy of my notary certificate and business cards. I actually know my commission number by heart. When someone is irate, it usually helps to sympathize, stay calm and provide any information that makes sense to make them comfortable and have reason to trust you with their information. I always leave a business card so they know who was at their house etc.

Reply by BrendaTx on 5/26/06 10:10pm
Msg #122608

Re: Crazy borrowers? Yep - I do so every 100,000

where I need to or not.

Reply by BrendaTx on 5/26/06 10:13pm
Msg #122609

Re: Crazy borrowers? Yep - I do so every 100,000

Nevermind - you weren't talking to me....man...tonight I am making so many errors I think I must be drunk. Haven't been drinking though...could it be filling in the wedding list?

Oh yes...now you can do it online people can, by golly, help you! I think it's great.

LkA - how's your wedding planning going? You've got one in July...mine's not 'til December...lordy, I'll wear you all out good before it gets here.

Reply by Missy_Lulu on 5/26/06 10:36pm
Msg #122622

Re: Crazy borrowers? Yep - I do so every 100,000

Do you do weddings Brenda?
I think that would be so cool to do weddings.

Reply by BrendaTx on 5/26/06 10:51pm
Msg #122626

Re: Crazy borrowers? Weddings? No.

No...I feel that it would be a little bit against my personal beliefs to get a minister's license just for that purpose. I gave it consideration after reading that Kelly does these by virtue of a license as a minister.

I do not try to press my belief on others and feel indifferent about others who do. I would need additional motivation to become a licensed minister in this state because of the way I would be required to be a Christian minister or other licensed minister in a religion, or an official in a religious organization.

If weddings could be performed by notaries in Texas, then I would be a marrying fool.

With the more politically correct acceptance of many religions now, I feel that it should become the notary's ability to marry couples, just as JPs do.

Reference to wedding is my son's...it is the 30th of Dec.

Reply by BrendaTx on 5/26/06 10:52pm
Msg #122627

Re: Crazy borrowers? Weddings? clarification

I feel indifferent about others who do weddings.

Reply by Missy_Lulu on 5/26/06 11:17pm
Msg #122632

Re: Crazy borrowers? Weddings? No.

*I feel indifferent about others who do weddings.*

But you said if notaries could do weddings in TX you would be a marrying fool. I'm confused.

Ya that's what I meant when I asked. I thought maybe notaries in TX could.

You are on the right side of that wedding then, being the groom's mom. You just get invited to everything, but then again I think you are one of those types that would thrive on the planning aspect and every little detail. Am I right?

Reply by BrendaTx on 5/26/06 11:59pm
Msg #122642

Re: Crazy borrowers? Weddings? No.

I meant others who get licenses...I don't have any feeling about their religious beliefs.

Oh no...about the wedding...I suggested elopement. Really...I just cringe at the thought of dealing closely with a stressed young bride whom I hope will see me as a good thing in her life and not an annoyance.

I am only making myself willing and available. The last thing she needs is someone trying to reshape her ideas for a perfect wedding.

My son called this morning and said he's doing a bunch of the arranging for the wedding himself...not a money thing...a time thing. It's because he doesn't want her stressed on her new job which requires a good bit of travel so he's asked her for a schedule, and parameters and he's going to be calling her and saying, "our appointment with the ___ is at ___ on ___. " and "Okay, honey, I have narrowed it down, here's the deal...so...do you want ___ a, b, or c?"

Well...he said he's going to try and give it a shot anyhow. Next, he'll suggest an elopement.

I am so uninterested in managing anything but all notaries in the whole wide world and two or three small countries as Winston suggested...this forum is "The Enterprise" and my keyboard is the "Com." Live long and prosper.