Posted by Juanita Godinez on 5/25/06 10:20am
Msg #122200

mission accomplished.....with minor set back

nervous as all crud....just so happens the brwr Mr.X is some type of banker has done well over 100.000 contracts he's a reader i'm a newbie he had something to say about every doc that passed thru his hands...And you see here hon this is how they get you.......oh great they're gonna sell our loan....probably already have reading this.........sold 100% of thier loans last year and the year before......on and on and on....during all this i'm thinking to self just smile and nod ..thought I'd never see them again turns out I missed one RTC instructions needed signature mid page oh crap now I gotta call banker of the year and 1: apolgize for inconvenience to him 2: go back and have him sign luckily for both of us I only live 6 mins away(mapquest) sent package out praying it's ok .... stupid question but I gotta ask will someone call if I messed up ?

Reply by SueW/Tn on 5/25/06 10:35am
Msg #122205

WAY TO GO! Now admit it, wasn't as bad as you thought right? Sounds like you had a great borrower...YOU'RE ON YOUR WAY! If you've got a problem with docs that can't be solved without your assistance then yes, they will call.

Reply by eboughey on 5/25/06 10:37am
Msg #122206

Don't sweat it Juanita. Ups and downs when you first start out. Stay professional and treat the signing as if you know exactly what you are doing. You will become more confident as each signing comes along and the docs will be easier to handle along with your knowledge of what needs to be signed.

If you do make a mistake, just be up front about it, be professional, make the amends and stay confident in yourself. Everyone makes mistakes. We're only human after all.

JMHO

Reply by DellaCa on 5/25/06 10:47am
Msg #122210

Sounds like you did a great job Juanita ! What part of Ca are you in?

Reply by Juanita Godinez on 5/25/06 10:55am
Msg #122213

Salinas Valley n/m

Reply by Jenny_CA on 5/25/06 11:39am
Msg #122221

"turns out I missed one RTC instructions needed signature mid page "

Just wondering, you missed one RTC doc or one signature on the RTC?

Reply by CaliNotary on 5/25/06 12:00pm
Msg #122222

".thought I'd never see them again turns out I missed one RTC instructions needed signature mid page"

If this is what I think it is, you don't need to have the borrower sign it. If it's just a page that shows a RTC form with arrows pointing to what goes in which blanks and what gets signed, etc., there's no signature required.

Reply by Juanita Godinez on 5/25/06 12:32pm
Msg #122226

RTC DOC

it was a legal size form with instructions in regards to the RTC which I had to fill in the dates and have them sign mid page accompanied by three regular sized RTC that already had dates on them and needed to be signed when I got home and noticed the legal sized one missing the sig. I read it and it stated they needed to sign so I think i'm ok a little confused at the time bacause it was my first and docs were del. to borrowers so I had no time to read and familarize myself with anything on top of that instuctions to notary were in the middle of package

Reply by Restless on 5/25/06 1:29pm
Msg #122241

Re: RTC DOC

Here's a tip: When you do your first edocs, save the files on your computer. Then, after the signing, go back to the saved file and study the docs. That will help you feel better as you'll become familiar with the docs. Do this for all companies that send edocs. After careful study of the docs, delete them.

Reply by Juanita Godinez on 5/25/06 1:33pm
Msg #122244

Thanks Restless n/m

Reply by Jahari Davis on 5/25/06 1:59pm
Msg #122250

As long as you didnt hang up a banner declaring so and acknowledge your mistakes your good. You know what your mistake was, now learn from it. Everyone is a newbie at one point, but try not to ever let them see you sweat. Keep cool. If you've been doing it for 5 minutes, do your best to give the impression you've been doing it for 5 years. Never try to explain beyond your knowledgebase and experience. A good "I don't know." or "I'm not sure." goes a long way.
My first signing was horrible. I was nervous, had never seen mortgage documentation before and didnt know a great deal about the forms. That signing took over 2 hours. What I do now at every signing is I go through one packet at a time after its been signed to make sure everything is signed where it should be and that nothing has been missed. Its good to throw in accountability checks on yourself. If you make a mistake, accept responsibility for it, correct it the best you can, learn and move on. Thats all we can do. Welcome to the life...

Reply by Janlee_MI on 5/25/06 2:21pm
Msg #122251

That is terrific. 1 down 100,000 to go. Good Luck. n/m

Reply by ReneeK_MI on 5/25/06 8:08pm
Msg #122323

Sounds like the Instructions for the RTC - probably something only the LENDER will be able to tell you "eh, forget about it". You could call Lender (look on closing instrustions, usually there's a contact named on there), make it an 'anonymous' call, ask for Closing or Post-closing dept., ask "Do you require the Instructions to the RTC to be signed, or can it be an exception if they were over-looked?". You don't even need to say who you are.

THEN - if they say "no problem if not signed", put a call in to SS or Title and tell them "I am SO sorry, but I did call Lender ANONYMOUSLY and they said 'no problem', so there will be no delays in funding."

Now - my next little piece of advice might not make me the most popular chick on the block, but ... OH WELL ... I would eat the fee. Just what I would do, and what I have done when I missed something. Customer service - and keeps me all that much more diligent.

What I have learned over years and years is a method that works. You come up with a process, and you stick to it like a religion. ALWAYS doing the SAME thing, always always always. The only person on the planet you can really trust is yourself - do the same things over and over, the same ways, and you will be ABLE to trust yourself. Whenever I made an error (omissions, each of the 3 times I did something wrong, that I am aware of), it was because I DEVIATED from my process. Never deviate.

Nobody falls out of bed knowing something new. Nobody. =) Sometimes, very smart people make very 'dumb' mistakes. People who think they're beyond making mistakes - well, I've always thought "Well, gee, He doesn't HAVE to come back now that you're here!"

Reply by MichiganAl on 5/26/06 12:41am
Msg #122399

Sounds like you did a great job.

It really sounds like the form you're talking about is just an example page, one that is included to show how the RTC should be filled out. It was good that your first borrower knew all about the docs. Just sit back and listen to him describe them.

I missed a signature on my very first loan. But don't tell anyone, everyone else here thinks I'm perfect.