Posted by LisaWI on 5/10/07 5:31pm
Msg #189756

Opinions and Educated Responses Please

Email sent by a company to become an approved agent for a certain lender. Only lender is super picky and will not allow crossouts on documents or initialling. Even on notaries certificate. I can understand not wanting the mess on the documents as I like to send back as clean a package as possible, but what they are requesting is if there is a mistake on the notarial block, the notary is to make the correction and that is it. No crossout and no initialling.
For some reason this is not settling right with me. I feel we are responsible for the info on the certificate and if we dont initial a correction how do they determine who made the correction? And to not cross out the wrong info??????
Help me out on this one folks?? Am I thinking right?

Reply by jba/fl on 5/10/07 5:35pm
Msg #189758

I had one like that the other day: venue was wrong. I attached my own certificate which is correct and didn't receive any flack.

Reply by PL on 5/10/07 5:36pm
Msg #189760

Don't use their form and attach your form? n/m

Reply by Charles_Ca on 5/10/07 5:38pm
Msg #189761

I have a Co like that and I just attach loose certificates

however I do make a note in the body of the incorrect wording that a loose certificate is attached, it ties it directly and shows that there was a notarization done and prompts to look for the loose certificate.

Reply by LisaWI on 5/10/07 5:39pm
Msg #189762

Re: Don't use their form and attach your form?

That is the only way I can think of to make it work or they send a corrected version if it absolutely has to be on their form.

Reply by Joe Ewing on 5/10/07 6:43pm
Msg #189783

MODIFICATIONS are not corrections.

Reply by MikeC/NY on 5/10/07 6:52pm
Msg #189792

As others have said, just attach a loose certificate if there's a problem. The notary "owns" the notarial block - it has to comply with state requirements,, no matter what the lender thinks; the best person to determine that is the notary who actually knows what the requirements are.

I don't make corrections in the notarial block, other than venue. If the wording is noncompliant (which happens from time to time with out of state lenders), I just line through it and attach a certificate. Haven't had a problem so far.

Reply by jba/fl on 5/10/07 7:02pm
Msg #189794

I once had a notarial certificate about 10 lines long with all it whosoever, whyfors, and whichever ways that was still incorrect: missing venue, whether personally known or how known (DL) so attached my own certificate. For some reason I was talking to processor and mentioned that I did not use the one provided. Of course she asked why and I replied that it was not legal in Florida. She said, “But we hired an attorney to do this” and I couldn’t help myself from LOL. I said but they are not to shed light, rather to obfuscate. What a waste for the bor. money.

Reply by MikeC/NY on 5/10/07 10:23pm
Msg #189815

That's the problem with this interstate stuff - sometimes they have no idea what the requirements are in the state where the docs will be recorded. My state is very specific about the notarial wording on documents related to real property, so I don't care what the lender thinks - if what they provide is not compliant, I just attach a certificate. They may not be happy about that, but they would be a lot less happy if I used their verbiage and the mortgage was rejected by the county clerk...

Reply by Elizabeth Soliday on 5/13/07 12:24am
Msg #189988

I would not like this because people make mistakes, usually I have a borrower initial a dark mark or a write over about once every other signing. I wouldn't have a problem using the borrower's copies or putting in a loose certificate, but it does sound quite unreasonable because corrections are addressed and allowed according to our notary books. It wouldn't keep me from working for them, but of course, they would be expected to pay for extra trips, etc. if need be because of this requirement.