Posted by Bruce_CA on 10/18/06 3:10pm
Msg #153364

Valid forms of ID

I just got (for the first time) a loan doc that requires 2 forms of ID.

I have searched with the big yella button, but could not find what are considered as forms of ID.

I am in the state of CA, and I know what the "primary forms" of ID are, but, alas, I have forgotten the secondary forms. Can any body provide me with a list?


Thanks!
Bruce

Reply by Ernest__CT on 10/18/06 3:16pm
Msg #153366

Bruce, you are not going to like ANY of the responses!

You must not do any loan closings until you know your Notary laws and rules COLD! Such a basic question should never be asked by anyone contemplating loan signings.

Reply by cyndi_ca on 10/18/06 3:18pm
Msg #153370

Check on the SOS site.

I am being nice. Passports are acceptable forms of ID. Along with Military ID

Reply by MistarellaFL on 10/18/06 3:17pm
Msg #153369

That sounds like a lender requirement

The lender may already have a list on the closing instructions or on your confirmation.
These vary by lender, so you may want to check with the hiring party, or look on the ID verification form in the package to see what they consider secondary ID.
It could be anything, like SS card, utility bill, etc. but it would not be in your best interest to check with me: the lender's requirement is what matters.

Reply by Jenny_CA on 10/18/06 3:22pm
Msg #153373

may be the Patriot Act, it does list what is acceptable.

as mentioned in the above thread, look over the pckg. should list what is acceptable, again lender requirement not for your certificates or journal...but you knew that.

Reply by Kate/CA on 10/18/06 3:28pm
Msg #153377

Bruce, Just check with the SS they can generally tell you.

First ID from the SOS Notary handbook

Generally it is for the 2nd ID

Current government-issued visa; Medicare card; studen identification; voter registration car;, recent property tax or utility bill; most recent W-2 or signed federal or state tax returns;, bank statments; and proof of ca/house/renter's insurance coverage.

Hope this helps
It can be anything the lender accepts.

Reply by Ernest__CT on 10/18/06 3:33pm
Msg #153380

No, no, NO!

It CAN NOT be "anything the lender accepts."! We must comply with the LAW IN OUR STATE! Hello? We must ID the signer(s) according to established Notary Public rules and laws, not just what the lender / title company / broker / signing service thinks is OK.

Reply by Linda_H/FL on 10/18/06 3:40pm
Msg #153383

Re: No, no, NO!...Ernest, unless I read the post wrong

I think he's referring to the Identification Verification Form some lenders provide and on which they request two forms of ID be listed -

As notaries we only need one form of ID to identify for the notarizationand that IS according to our state's laws, but Identification Verification form as requested by the Lender requires two forms of ID - and the form even lists what forms are acceptable. This is generated by the lender.

Reply by GF_CA on 10/18/06 3:31pm
Msg #153379

Re: I always use DL and SS card

never had any problem

Reply by Barbara O on 10/18/06 3:41pm
Msg #153384

You REALLY should already know this but... 1st form of ID should always be a driver's licence or passport (valid of course). 2nd form can be passport, ss card or birth certificate - anything else you need to check the laws in your state.

Reply by MistarellaFL on 10/18/06 3:55pm
Msg #153388

Ernest

the loan docs require 2 ID's not the state.
Once CA notarial requirements have been met, the lender may request an additional ID.
This is why I suggested what I did.
Unless a CA notary shows us that 2 ID's are required for notarizing in that state.

Reply by BrendaTx on 10/18/06 6:19pm
Msg #153420

Bruce, as you already indicate, you know how to ID someone for notary work.

The second ID is b/c the lender wants it.

For these types, I have used

SS Card
Voter Registration Card
Medicare
Utility bills
Marriage License
Birth Certificate

I have used them, but it depends on what the lender will accept.