Posted by citrusagent on 7/18/07 9:20pm
Msg #200670

Another crazy signing..

I arrive for signing to find borrowers are having dinner with company. Despite the fact they were well aware I was coming. I sat in the living room waiting for them to finish for about 10 minutes. We start the signing at the kitchen table while the husband (borrower) helps his buddy's install a new dish washer and trash compactor for his wife (co-borrower). They are unhappy with the terms and after the partial signing and back and forth with the broker/lender they decide they will not finish the signing. Have you ever seen borrowers such as these?

Reply by jba/fl on 7/18/07 9:56pm
Msg #200676

lots of rude ones out there, not quite like this tho. So sad for you...if these LO's would just be upfront then we wouldn't have to go thru this repeatedly.
I have one in the am that I'm concerned about: bor. thinks he's getting 68K, Hud says 61K. Told TC today what bor. said and they were to get LO to talk to bor, but have heard nothing, so I'll bet I end up being the messenger. S...! Like I need this in this day and age of so few.

Reply by Lee/AR on 7/18/07 9:59pm
Msg #200677

Yep. Not often, but have 'been' to 2 birthday parties & a christening party.

Reply by christiSocal on 7/18/07 10:08pm
Msg #200681

I did one at a ladies work, not too unusual, except she was a manicurist so I had to have her sign in between nails. I hate the way salons smell!

Reply by ZeeCA on 7/19/07 1:36am
Msg #200710

close... mine wanted to cut hair while she signed....

Reply by Becca_FL on 7/18/07 10:08pm
Msg #200682

Just like Forrest said...Sh!t happens. Take the bad with the good and the good with the bad. In the end it all works it's way down the sewer pipe...unless of course, you have a septic tank and then it ends up in your own back yard. ;-)

Reply by GF_CA on 7/18/07 10:09pm
Msg #200683

I had one appointment some time ago scheduled for 7:00pm. When I arrived, they were having dinner with some friends, I wait 30 minute and after a couple of call to the signing service, I left.

Reply by LauriecPA on 7/18/07 10:15pm
Msg #200687

A few months ago I arrived at the appt. time and rang the bell, knocked, finally called to see if anyone was home. Mr. Bo answers the phone and says he's about to take a shower. It was cold and raining out and he left me on the porch until he took a shower. Mrs. was cutting someone's hair so she couldn't let me in either. After 10 min. or so, he let me in, signed, then I had to wait for Mrs. to finish up with the haircuts so she could sign .

Reply by Becca_FL on 7/18/07 10:26pm
Msg #200693

Why?

Do you not value your time?

Girl, you need to get control of the signing from square one or you're doomed. I don't stand for that kind of disrespect. Remember, they want the loan, you don't.

Reply by jba/fl on 7/18/07 11:47pm
Msg #200702

Remember, they want the loan, you don't.

Exactly! Excellent point! You are in control (except when LO thinks he is the god of the situation. Even then, I tell them (LO) that I will present, they will answer questions or clarify IF bor needs. Otherwise, shut up. Of course, I am nice and less blunt .

Reply by Federico B. Saiki on 7/19/07 8:37am
Msg #200737

I also had a crazy one. Brwr saw that her late's husband name was on the instructions sheet. She exclaimed "don't you understand that he's DEAD!" I told her that apparently this is the way title is vested. She went on looking at docs. When she was ready to start signing I asked to see her DL. She got up and when she returned she tossed it on the table. That's not all; then I saw that she signed her name on the DL w/middle name. But, docs. and Mortgage didn't show a middle name. I asked if she regularly signs w/the middle name. She said "NO!" Then she exclaimed again: "why do you ask how I sign?" I told her that I just wanted to make sure we all were on the same page so that she signs docs the right way. But she was very rude. At that point I realized that the conditions weren't given for me to witness her signature. So I just put all my stuff back in my bag and told her to look for another notary, got up and left! Called the TC to report the incident, they were not happy w/me and told me that I shouldn't have left the signing table. But I think this brwr was too rude from the get go and besides the lack of respect the communication was not there to do the job. Now, it seems to me that I have been put in the Do Not Use list, and this company hasn't call again.

Reply by BrendaTx on 7/19/07 8:52am
Msg #200739

**That's not all; then I saw that she signed her name on the DL w/middle name. **

That makes no difference.

People come in all flavors. Rudeness is one of the most popular. Usually, if I just keep acting really nice to borrowers and show them that I value their opinion, rudeness disipates.

The woman's husband being dead was probably the reason she'd turned into a sour apple. It happens to the best of us. It's easier to be pissy than to grieve.

Reply by sue_pa on 7/19/07 9:10am
Msg #200742

Well Federico, from the little details you posted, if they are accurate, I also wouldn't hire you again.

The FIRST thing you do, before your butt or theirs is in the chair is ask for id - why in the world was she reviewing paperwork prior to iding her? Why DID you ask how she regularly signs? That is none of your concern. Your statement is, "This paperwork shows Betty B. Borrower and that is how you must sign - sign as typed." Asking what she 'regularly' does has no bearing on anything and as you witnessed can cause an issue. Why was she 'looking at docs and then ready to sign'? Aren't you in charge? You tell her you're going to go through the paperwork with her in an orderly fashion and then you begin - handing her one document at a time. It sounds to me like you handed her the loan packet and she reviewed it. How and why did she see your instructions? I've done this job a long, long time and I've got no idea what your statement ... I realized that the conditions weren't given for me to witness her signature ... means.

Reading exactly what you posted and not putting any other details into it, you weren't in charge of this closing at all. Depending on how long he had been gone, perhaps she was upset over her husband passing away. I had one Monday whose husband passed away July 3 and I had no problem because I handled it properly minimizing my potential for tears prior to the appointment - certainly not saying that she wouldn't have broken down at any minute. I've also walked into homes and said ... where is your husband/wife?... and found out they had died but how we react has a lot to do with how the borrowers react. Anyone who has done this job for any length of time eventually ends up with a total jerk and there is nothing that can be done with them other than take control and get your paperwork signed or walk out the door. I've done A LOT of loans and to the best of my knowledge I've walked one time due to uncooperative borrowers and I should have not accepted that order as there were indications they were going to be a HUGE pain. I am giving you the benefit of the doubt that this lady was just a total jerk as a few people are but most are not - sounds like you weren't in control from the git go.

Reply by Sylvia_FL on 7/19/07 9:58am
Msg #200753

Why should you care that she signed her DL with her middle name? As long as she signs the docs as printed and her signature on the DL (the way she signed her first name and last name) match then that is all that matters.
And why allow her to look through the docs before the signing??? You obviously didn't take control (politely) at the signing.
I don't blame the company for not wanting to use you again. If this is an example of how you conduct signings then you will be going on my "do not use" list.

Reply by Sylvia_FL on 7/18/07 10:12pm
Msg #200685

I would have been tempted to suggest that they reschedule for a later time as you have another appointment. I would not sit and wait for them to have dinner.

I did have one signing a few years ago that when I arrived the borrower (single woman) was just starting her lunch, she said that the LO had told her that the notaries are not usually on time, and she figured she had time for lunch before I arrived. Luckily it was a cold lunch and she just postponed eating until after the signing.

Reply by kate_nortca on 7/18/07 10:23pm
Msg #200692

One of my most unbelievable (at that time anyway) was when I showed up at the borower's on the night of some kind of grand finale on their favorite TV show. I believe it was one of those 'who will be evicted from the island' shows I believe. Even though they knew what time I was coming the agreed to start signing but kept shsh'ing me while the program was on. Said they would sign during the commercials but when the station break arrived they had to discuss the program. So after their show was over and they had calmed down a little we started signing. Of course that was quite some time back. Nowadays I would politely excuse myself and let them know they would have to reschedule.

Crazy is the word!

Reply by christiSocal on 7/19/07 1:58am
Msg #200712

HEY, when Survivor is on

the world must halt!

Reply by DD/OR on 7/18/07 11:11pm
Msg #200700

I had one the other day. The BO was a single lady and wanted to meet me at a restaurant. When we started the signing, she told me she wanted to read EVERY page. She didn't want to listen to me explain anything. She picked up the 'Instructions for filling out the RTC' and started reading it. I told her she has a 3 day RTC and this gives her 3 days to read the docs and discuss them with her LO. She said she wanted to read them all NOW. I told her the restaurant personel wouldn't want us sitting there for 3 or 4 hours and besides I have another appointment soon. Anyway, she called her LO and told her she wasn't going to sign because I wouldn't let her read all the Docs. I could just picture her reading every page of the DOT. I feel sorry for the next notary that goes to her. We should keep a black list of Borrowers names because I never want to see her again. And then about 2 weeks ago, I went to a Bo and he kept me waiting outside on the porch until his wife got home (10 min). I started getting nervous because He was harrassing me on the porch, asking me all kinds of questions. He was rude and obnoxious. I was thinking about leaving when his wife came and then things were OK. I was glad to get out of there. Lately, I've been getting a lot of BO's that are not so nice. I think a lot of it has to do with their LO. Many LO don't explain anything to the BO and they take it out on the notary. I really appreciate the nice ones I run scross. I guess it takes all kinds. You have to have a thick skin to be in this business.

Reply by CJ on 7/19/07 12:50am
Msg #200709

I had one. I kept calling to set the appointment, and they never called me back. I was told to just show up anyway. So I left messages saying I would be there at 8:00, another one saying I am on my way, etc. I left my phone number each time. I got there, and it was a dark, creepy street. I got to the front door and I could tell they had the TV on inside. I knocked and sweetly said, "It's the notary". I could hear them inside saying, "It's that damned notary". The guy came to the door, rude and angry and said, "Go away! We told them we didn't want to sign! And quit calling our house!"

That was so unecessary. They could have just called me back and told me nicely told me not to come over. I could have been home. It shook me up at the time.

Reply by PJM/MI on 7/19/07 5:34am
Msg #200714

As I drove down the street to a closing, I noticed several police cars. When I exited my car, an officer walked up to me and wanted to know if I had seen a red Cavalier and if I saw where I went. Didn't see a thing. Seems there had been a drive-by shooting about 5 minutes before I arrived! YIKES!
The bo told me, "those drug dealers don't scare me". I told her, "well, it scares ME!".
And I live in a RURAL area.

Reply by citrusagent on 7/19/07 5:58am
Msg #200715

Okay, PJM that IS really scary! The only reason I subject myself to waiting patiently for this signing was bcs the appointment came from my best SS who pays great and is great to work with. Since there are not many of those left I would like to hang on to them. Most of theirs are so easy and they always pay me more than I charge...

Reply by Chakwaina on 9/12/07 4:22pm
Msg #210614

Why would you object to the BO reading the docs before signing? Read the notorail wording--on many DoT's (Tn don't know about other states) it indicates that the BO HAS read the docs and that the docs are correct (to the best of their knowledge, information and belief). Affidavits are also conditional on having been read.

My attorney has advised me that if the notorial wording reads that way, and we KNOW the BO has NOT read the docs we can NOT notarize them as to do so would be to assist them in committing perjury.

Would you want to sign docs you had not read?

I always let the BO read the documents and even with a CW have never spent more than 2 hours unless there were serious errors or the BO was talkative or some of the other stuff listed here.

If I was asked to wait for people to eat a meal that was just strating at appt time, or left on the porch for the guy to take a shower (or any other reason see exception), I'd be in my car on the cell to the SS or LO.

The gentleman that asked the lady to wait on the porch till his wife got home--was being polite and a true gentleman. Was he harrassing you or trying to make small talk??? Older people, religous beliefs, etc. play in the way men treat women.