Posted by lubi on 11/14/07 5:22pm
Msg #221261

Witness for mortgage

I am in Duval county and I wish to know if you are doing signing requesting 2 witnesses (1 notary) on the mortgage or not? I am doing it and I think that some other signing agent don't do it. I had a lot disagreement with the borrowers. I see that it's not FL law, but SS sometimes tells me that I need it.
Thank you.

Reply by Brad_CA on 11/14/07 5:25pm
Msg #221262

2006 State Witness Requirements (as determined by PROPERTY LOCATION)
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CT - 2 witnesses, one can be the notary
FL - 2 witnesses, one can be the notary - DEEDS ONLY
GA - 2 witnesses, one MUST be the notary
LA - 2 witnesses, CANNOT be the notary
SC - 2 witnesses, one can be the notary

NOTES:
1) FL - Mortgages DO NOT require witnesses, DEEDS (QuitClaim, Warranty, etc.) do.
2) Lenders may require witnesses, even though there is no state requirement

Reply by MistarellaFL on 11/14/07 5:31pm
Msg #221264

Some lenders will require 2 mortgages, even though it is not required for recording in most counties.
Also, it is my understanding that some counties may require it.
Countrywide usually requires it (as a lender requirement).

Reply by MistarellaFL on 11/14/07 5:32pm
Msg #221265

I meant require 2 witnesses, not mortgages

but I have been seeing 2 mortgages for execution lately in loan packages!

Reply by Sylvia_FL on 11/14/07 5:34pm
Msg #221267

Re: I meant require 2 witnesses, not mortgages

Well, Reverse Mortgages have two mortgages in them

Reply by jba/fl on 11/14/07 8:25pm
Msg #221325

Re: I meant require 2 witnesses, not mortgages

Some loan pkgs, not RM, want two mtgs. executed, as one TC told me, in case the first gets lost in transit, blah, blah blah then they have one to fall back on w/o resigning whole pkg. Several TC require this.

Reply by Michael/FL on 11/15/07 9:35am
Msg #221393

Re: I meant require 2 witnesses, not mortgages

In case one gets lost?! Now that is not very comforting to know. I've ran into a couple pkgs that had 2 mortgages also.