Posted by James Yeargan on 10/15/06 6:33pm
Msg #152702

Florida Mortgage

I recently did a closing for a Florida property in Georgia. A few days later I received a phone call telling me they need the mortgage resigned because I did not print it correctly, and they couldn't record it because it was the wrong size. I printed the package EXACTLY as it was emailed to me, and there was NOTHING in the closing instructions stating the mortgage had to be 9 point (which seems rather small). I do a lot of work for this company, but I don't want any blemishes on my "record." Has anyone heard of this before? Any input? Thanks.

Jim

Reply by Charles_Ca on 10/15/06 6:38pm
Msg #152703

I don't know about Florida Jim but our requirment in California is10 pts. 10 pts seems to be the minimum in most places.

Reply by Raimond on 10/15/06 6:43pm
Msg #152706

Sounds to me as if they need you to fix their mistake...

I would agree to fix it and compare the new to the original....

Reply by Charles_Ca on 10/15/06 7:04pm
Msg #152710

Re: Florida Mortgage I agree fixing would be an option but

one that I would have to charge for becasue doing a global reformat could be time comsuming. I certainly would not accept that just becasue the company says I'm wrong that I am. I would want to see the original. In CA there is a statute that spells out the minimum type size for contracts and less than the minimum makes the contract voidable should it ever come into question. 10 pts is really quite small, I always make my contracts 12pts because it is much easier to read. I certainly would not just accept what they say, these companies look for ways to not pay the notary, I swear.

Reply by PAW on 10/15/06 6:58pm
Msg #152708

Jim, as far as I can tell, there is no state requirement for text size in any recordable document. The statutes simply state that the document must be legible and reproducible (since just about all documents are now scanned for archiving purposes).

I have seen mortgages, deeds, POAs and a slew of other instruments recorded in varying print sizes from 8pt to 14pt. Typically, most recorded documents are 10pt. Fonts are either Arial or Times Roman (or similar sans serif and serif fonts).

Of course, this is not to say that some county recording clerk or the recorder of deeds hasn't made some unique stipulation for their county only. BTW - Which county?

FYI ...

The most common reported fonts on the Windows platform are the heavy sans serif Arial Black at 95% frequency, sans serif Verdana, the cursive Comic Sans MS and Arial at 94%. The typewriter style Courier New is the fifth most common font. View the analysis at http://www.codestyle.org/css/font-family/sampler-WindowsResults.shtml

Reply by Charles_Ca on 10/15/06 7:05pm
Msg #152712

Re: Florida Mortgage-There you go probably the most credible

answer you're going to get.

Reply by Charles_Ca on 10/15/06 7:11pm
Msg #152713

PAW - that is an extremely interesting survey

I have always been taught that the most readable type style is the serif style and in particular the "Schoolbook" faces and the "Times New Roman". I find it curious that people would not use what is considered to be the most readable for the majority of writing. Things keep changing.

Reply by PAW on 10/15/06 8:42pm
Msg #152726

Re: PAW - that is an extremely interesting survey

From my word processing development days (when I was gainfully employed by Wang Labs), the best font depended on how the text was viewed or rendered. Serif typefaces (Times Roman, Schoolbook, etc.) were always considered to be the best font for printing. The sans serif fonts have been considered the best for Windows screen viewing with the Verdana font being the best for faxing and screen rendering. (According to Microsoft.) But today, I think it all boils down to what the user prefers. Gone are the days of the staunch adherence to standards.

Reply by James Yeargan on 10/15/06 7:53pm
Msg #152719

The county in Florida was Bay county, but the woman was calling from the signing service in Maryland which I thought was rather odd.

Reply by PAW on 10/15/06 8:50pm
Msg #152727

Odd indeed. Unfortunately I am not familiar with Bay county and if there are any 'special' requirements for filing of documents. (I seriously doubt that if there are any, one would be a limit of font size to 9pt.)

Reply by LkArrowhd/CA on 10/15/06 7:04pm
Msg #152711

Re: Florida Mortgage-James I think you answered this

yourself, fix it, you want no blemishes and you want future business from them. Fix and move on........

Reply by jlissem on 10/15/06 7:21pm
Msg #152716

FYI 72 points = 1 inch, 9 points= 1/8"
40 years in the printing business

Reply by PAW on 10/15/06 8:36pm
Msg #152722

OT: Interesting article concerning "points" (re: printing)

http://db.tidbits.com/article/05284