Posted by Sandra Christian on 5/22/07 11:01pm
Msg #191500
Question on Refi document
I have an Owners Affidavit and a Survey Affidavit that were in my loan docs. There are some blank lines stating "That this affidavit is being made in order to induce ________" and ..."said parties rely on the statements made gy the affiants herein are aware that _______ is insuring the title.." and the Survey Affidavit states ...affiants, each of them, are making and giving this affidavit for the purpose of the completion and consummation of a certain mortgage of the referenced property to ______ and to induce (title company name). I don't know what to fill in these blanks. Any help would be greatly appreciated. I need to go back to the borrower tonight and have them sign this paper so I need help. Can't get a hold of the doc people. Thanks in Advance. Sandi
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Reply by Sher_AZ on 5/23/07 12:08am
Msg #191506
Sandi, 1st rule to remember is you were hired to present loan doc's to the borrower's and to witness and notarize signatures only. Do not fill in any blanks! These are basic Affidavits in a Refi pkt and you should only have borrower's sign & you witness their signature. That's it! Just remember your primary responsibility as a notary & you will be fine.
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Reply by Sher_AZ on 5/23/07 12:11am
Msg #191507
Re: What happened to same time??
Just realized when I posted response AZ is hour behind CA? Thought we were on same time. Musta changed when I blinked 
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Reply by Mickey_Fan on 5/23/07 8:18am
Msg #191527
Re: What happened to same time??
Arizona does not recognize daylight savings time, so 6 months of the year they are on the same time as California, the other 6 months they are on mountain time.
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Reply by Sher_AZ on 5/23/07 10:15am
Msg #191546
Re: What happened to same time??
LOL...I thought was still same, so I must fall into the 6 mos behind category
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Reply by PAW on 5/23/07 7:53am
Msg #191522
>>> Do not fill in any blanks! These are basic Affidavits in a Refi pkt and you should only have borrower's sign & you witness their signature. <<<
Not sure about AZ, but here, and in many other states, a notary cannot notarize a signature on a document that is incomplete (containing blanks). Further, how is a person suppose to swear to (or affirm) the contents of a document when there are blank spaces in the document?
Granted, it is not the notary's position to write the information in the blank spaces, the signer should do that, but the notary can direct the signer to complete the blank spaces. If you and/or the signer do not know what goes in a space, call the title company.
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Reply by Sher_AZ on 5/23/07 10:37am
Msg #191552
Sorry folks, just got up & realized Yes, you're right Paul on instructions to Sandi. Just wanted to advise her she was not to fill in the blanks on doc's, the borrower or Co does that. My error in not explaining further re: blanks. Was way past my bedtime & then I saw the diff in time. Sorry
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Reply by dickb/wi on 5/23/07 2:32pm
Msg #191607
you can't notarize the signatures on......
a doc with blank lines as it is an incomplete document.....i just draw lines thru the blank spaces [ as wi says to do] and notarize.....not your job to fill them in.....
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Reply by dickb/wi on 5/23/07 2:35pm
Msg #191608
you can't notarize the signatures on .....
a dock with blank lines.....i just draw a line thru the blanks [as wi says we should do] and notarize........
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Reply by janCA on 5/23/07 7:58am
Msg #191523
Sandra, if there are blanks in these documents and they need to be notarized, point this out to the borrower. If they know the information, have them fill it in. If they do not, have them line through. You cannot notarize a document with blanks.
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Reply by janCA on 5/23/07 8:01am
Msg #191524
Sorry, PAW, we must have been replying at the same time. My fingers aren't flying fast enough and coffee hasn't kicked in.
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Reply by Sandra Christian on 5/23/07 8:37am
Msg #191530
Thanks to all of you. That was my thought as well. Because I couldn't get in touch with ANYONE
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Reply by Sandra Christian on 5/23/07 8:39am
Msg #191531
sorry, fingers hit the wrong key....anyway. I'll submit the paperwork blank without notarization.
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Reply by Teresa/FL on 5/23/07 9:01am
Msg #191533
If there is a notarial certificate on the document, you need to notarize it.
Your choices are:
1. Have the borrower fill in the blanks and sign, then you notarize.
2. Have the borrower line through or indicate "N/A" in the blanks and sign, then you notarize.
Although it would have been better if the TC had filled in the missing information, you don't want to have to make another trip because you failed to notarize the document.
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Reply by LC/AZ on 5/23/07 10:14am
Msg #191545
I have had them write "unknown" in the blank or N/A if appliciable.
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Reply by LC/AZ on 5/23/07 10:16am
Msg #191548
That's applicable. Sorry.
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