Posted by MekioGA on 9/12/07 2:09pm
Msg #210556

Archer Land Title

Hi everyone! I am going to my first signing and I have looked up the company in the forum and read the postings but I don't know what a broaker doc is and what did he mean by he was sending something FedEx? The signing is today at 5:00PM in Jackson, GA. I have no clue what I'm doing, will anyone out there help me? Oh, go easy on me I've read your forum I know how you guys can chew up a newbie and spit em out! thanks

Reply by Sylvia_FL on 9/12/07 2:14pm
Msg #210558

You need to ask him what he is sending Fedex.
And GA is an attorney only state for loan signings.
If you have no clue on what you are doing why did you accept the signing?

Reply by HARRY_PA on 9/12/07 2:14pm
Msg #210560

Someone has too much time on his/her hands.

Harry

Reply by Stamper_WI on 9/12/07 2:14pm
Msg #210561

The Fed Ex truck will pull in your driveway and hand you the documents. Did they say if this was a RESPA package?

Reply by Becca_FL on 9/12/07 2:17pm
Msg #210563

Ahhh, now that would explain a lot, Dana. n/m

Reply by Stamper_WI on 9/12/07 2:17pm
Msg #210566

"Zana" n/m

Reply by Becca_FL on 9/12/07 2:20pm
Msg #210568

Doh! I know that...I'll blame it on a brain burp. ;-) n/m

Reply by Stamper_WI on 9/12/07 2:21pm
Msg #210570

Re: Doh! I know that...I'll blame it on a brain burp. ;-)

I get called Dana Sparrow a lot.

Reply by MekioGA on 9/12/07 2:57pm
Msg #210590

Thanks for your response, he said this was an initial signup and I would not have anything to notarize- the FedEx doc are the closing docs he wants sent back to the loan officer. thanks

Reply by Becca_FL on 9/12/07 2:15pm
Msg #210562

"I have no clue what I'm doing,..."

That is obvious since you are closing a loan in GA at 5:00 pm and GA is an ATTY state. Are you an atty that has never done a closing?

Reply by Stamper_WI on 9/12/07 2:17pm
Msg #210564

Does it require and attorney for RESPA packages?? n/m

Reply by Charles_Ca on 9/12/07 2:17pm
Msg #210565

So, you've read the forum, admittedly don't know what you

are doing, and you are swtill going to go out and play with one of the most expensive things that many people will ever own without any regard what-so-ever to the borrowers position in this scenario. There is something seriously wrong with this picture. You should pass on this transaction so that someone who knows what they are doing can clmpletel it successfully. then learn what you are supposed to do and when you knwo then perhaps you will be ready to actually do a signing. I am getting so sick an tired of people getting into this business and not knowing what they are doing. So if I sound angry it's only because I am!

Reply by Sylvia_FL on 9/12/07 2:19pm
Msg #210567

Re: So, you've read the forum, admittedly don't know what you

Wow Charles. I can tell you are angry by the spelling mistakes in your post - not like you at all!

But, I am with you!!!!

Reply by Stamper_WI on 9/12/07 2:20pm
Msg #210569

Re: So, you've read the forum, admittedly don't know what you

I noticed that. Was wondering how high his BP shot up.

Reply by Becca_FL on 9/12/07 2:24pm
Msg #210574

Re: So, you've read the forum, admittedly don't know what yo

I was thinking the same thing. Okay Chuck, take a DEEP breath and go to your happy place.

Sylvia, I had a call today from a Brevard newbie (XYZ Certified, of course) asking if she was suppose to notarize the Note. UGH!

Reply by Heidi Dauzat on 9/12/07 4:11pm
Msg #210612

Re: So, you've read the forum, admittedly don't know what yo

WELL LOUISIANA NOTARIES DO "PARAPH" THE NOTE NE VARIETUR FOR IDENTIFICATION WITH AN ACT OF MORTGAGE,THEY BETTER BECAUSE IF NOT THEY (NOTARIES)CAN BE HELD LIABLE FOR THE RE-DO OF THE WHOLE MORTGAGE PKG.

Reply by Linda_H/FL on 9/12/07 5:03pm
Msg #210619

Re: So, you've read the forum, admittedly don't know what yo

Yes Heidi - in Louisiana...but please note Becca is from FL - and is talking about a new FL notary...

Reply by Linda_H/FL on 9/12/07 5:03pm
Msg #210620

Re: So, you've read the forum, admittedly don't know what yo

Yes Heidi - in Louisiana...but please note Becca is from FL - and is talking about a new FL notary...

Reply by Linda_H/FL on 9/12/07 5:04pm
Msg #210621

Re: Sorry...hiccups...'scuse me.. n/m

Reply by Charles_Ca on 9/12/07 2:22pm
Msg #210572

Crap like that makes my blood boil! n/m

Reply by CJ on 9/12/07 2:24pm
Msg #210575

Make sure you have someone's cell phone number

Like the processor or the loan officer. The chances of running into a question you have no idea about are 95%.

Reply by Loretta Reed on 9/12/07 2:37pm
Msg #210578

I am really starting to believe the stuff I read on

this board is a trick of the devil to make my BP go sky high.
If I were an "average joe" borrower and had no clue on how this should work, no harm no foul but if someone came to my home to sign one of the most important things in life I will do besides making my will, at this point, I would turn him/her around at the door and tell them to send someone else that knows what they are doing. And, on top of that, if I am refinancing a home in an attorney only state and no attorney is present, I wouldn't sign without the attorney. Too many people taking too many chances to lose their notary commission.

Reply by Charm_AL on 9/13/07 9:41am
Msg #210722

Re: I am really starting to believe the stuff I read on

my goodness, I just read this entire thread. Should have been on the leisure board for the comedy value lol

trolling, trolling, trolling......

Reply by MekioGA on 9/12/07 2:38pm
Msg #210579

Re: So, you've read the forum, admittedly don't know what you

Thank you for your response Charles. You are 100% correct but you need to ease up a little because I have to learn the ropes and by the way I have every regard for the borrowers position being that I lost my home 2 years ago because like a dumb ass I had no idea that the ARM I signed would render me homeless in less than 2 years because I was dealing with with a broaker named James Criggler from Transland Financial who pulled one over on because he knew I had no clue what he was saying and he did not explain to me in simple terms that my payments and interest rate would increase every 6 months. I went from 972.00 @ 7.82% to over 1450.00 and the rate was higher than 13% at the time I lost my home. I just need to learn the ropes that's all, so just calm down and take a deep breath. Thanks for the input and I welcome any suggestions on learning the ins and outs of doc signing. MekioGA

Reply by Loretta Reed on 9/12/07 2:41pm
Msg #210580

Are you an attorney?.......

I just spoke with a title company in GA and they confirmed that GA is an attorney only state for refinances. An attorney must be present, not maybe, not hopefully, but must be.

Reply by Todd/OH on 9/12/07 3:40pm
Msg #210609

Re: Are you an attorney?.......

Why is it different for refi's? A purchase has the deed. An attorney has to be there for that !!

Reply by cassiewi on 9/12/07 2:42pm
Msg #210581

Attorney Only State mean anything??????

Are you an attorney? Georgia is an attorney only state and you have to be an attorney to close loans there, so again are you an attorney?

Reply by Sylvia_FL on 9/12/07 2:45pm
Msg #210582

Re: Mekio

" Thanks for the input and I welcome any suggestions on learning the ins and outs of doc signing. MekioGA "

As has been posted, GA is an attorney only state. Notaries cannot do closings!

Reply by Charles_Ca on 9/12/07 2:46pm
Msg #210583

Start by learning the correct spelling for "BROAKER" its

obiously not a typo since you used it that way twice in two different posts.

Reply by MekioGA on 9/12/07 10:19pm
Msg #210680

Re: Start by learning the correct spelling for "BROAKER" its

My Dear Charles,
We have not meet face to face but I'm sure your very nice person outside of this forum! By the way I took your advice and learned to spell! Hooked on phonics worked for me!
B R O K E R
You know you should read your own post and correct your spelling. Thanks Mr Charles and you have a spectacular day tomorrow!!!!!!! GOD BLESS YA SIR..........

Reply by ZeeCA on 9/12/07 2:47pm
Msg #210584

Re: So, you've read the forum, admittedly don't know what you

what I am reading in your response to charles:

"I just need to learn the ropes that's all, so just calm down and take a deep breath. Thanks for the input and I welcome any suggestions on learning the ins and outs of doc signing. MekioGA "

so, what I am reading is we are supposed to shut up? be nice to you? and teach you how to doa closing?

Let me know I read that wrong................

Reply by MekioGA on 9/12/07 10:05pm
Msg #210678

Re: So, you've read the forum, admittedly don't know what you

Hey there ZeeCA! I'm sorry it took so long for me to respond to your questions. No to all of the above and I want you to go outside tomorrow and take a big deep breath of air that God has blessed us with and I think you will feel much better. Have a nice day tomorrow Ms ZeeCA.

Reply by Carolyn Bodley on 9/12/07 3:31pm
Msg #210603

Re: Meiko - take RESPONSIBILITY for YOUR OWN actions

**I lost my home 2 years ago because like a dumb ass I had no idea that the ARM I signed would render me homeless in less than 2 years because I was dealing with with a broaker named James Criggler from Transland Financial who pulled one over on because he knew I had no clue what he was saying and he did not explain to me in simple terms that my payments and interest rate would increase every 6 months. I went from 972.00 @ 7.82% to over 1450.00 and the rate was higher than 13% at the time I lost my home. **

Can't YOU read? After signing the ARM, you had THREE days to read the papers you signed and cancel. If you didn't understand what you were reading, it was YOUR responsibility to take the papers to someone that did understand -- a lawyer, a real estate agent, etc.

The "simple terms" of your payments and interest rate increasing EVERY six months was right there in black and white in the papers that YOU signed. Did he have a gun to your head forcing you to sign?

Blame YOURSELF and not the world around you!

Reply by MekioGA on 9/12/07 9:50pm
Msg #210671

Re: Meiko - take RESPONSIBILITY for YOUR OWN actions

Hi Carolyn Bodley! Nice of you to give your input and by the way I take full responsibility for my actions and no one is to blame but ME for not reading with understanding. So once again thanks for your input. I think you need a hug, so here you go ummmmmmm and MAY GOD BLESS AND KEEP YOU! Let's take our time to write more interesting signing related things that may actually help one another and not sit in front of the computer taking our anger and frustrations out on the keyboard and giving unwanted personal opinions. Think you can be a big girl and do that for me and all of the other professional people on this forum? thanks

Reply by ZeeCA on 9/12/07 2:33pm
Msg #210577

THIS IS A JOKE RIGHT? no sane person would take a closing

to practice on a b/o and screw them up forever..........

if not a joke make sure of this... you have GREAT insurance and be prepared to use it... esp since you posted on the web and it is now perm in cyberspace with your name attached to it admitting you do not know what you are doing. you don't have any recourse of anything when they go after you

Reply by Loretta Reed on 9/12/07 2:50pm
Msg #210585

What does Archer Land Title have to do with this ? n/m

Reply by Stamper_WI on 9/12/07 2:52pm
Msg #210586

Re: What does Archer Land Title have to do with this ?

Archer has been calling me to do RESPA's for Ace Mortgage. Thats what I asked if an attorney is required for that as well.

Reply by MekioGA on 9/12/07 3:17pm
Msg #210597

Re: THIS IS A JOKE RIGHT? no sane person would take a closing

Thanks so much for your comments! I am learning not to go on the forum for advice and I'm sort of wondering why so many of you guys out there have such a bad attitude like you were born with the knowledge you have on this subject! Thanks for your not so helpful input, next time don't reply if you can't be helpful. thanks

Reply by christiSocal on 9/12/07 9:58pm
Msg #210675

Re: THIS IS A JOKE RIGHT? no sane person would take a closing

Mekio, if you went to the dentist and he said "umm, I think I need to pull a tooth, but I'm not sure which one." Would you open your mouth? The question you asked is just so basic it's scary! There's a certain amount you need to know BEFORE you take any type of signing. This is not rocket science, but you are messing with a very big part of someones life! You could cost someone a lot of money and possibly their home. The replies you got ARE helpful, pay attention to them. Also you got in the biz at the wrong time, specially with GA being an atty state....
Thats only if this isn't a bogus question just to rile people up.

Reply by MekioGA on 9/12/07 11:20pm
Msg #210687

Re: THIS IS A JOKE RIGHT? no sane person would take a closing

Hello there ChristiSocal!
Thank you for your input and I know the basic questions usually are so basic they are scary just like the ones most of our clients ask! What you so called professionals out there fail to realize is that you are on the world wide web for all to read. FYI...There are quite a few people from various firms, mortgage companies, real estate agents, business owners and other very important people that can make or break your business and they join to be up on the game and they do read the forum because they want an insite on who they are sending out to represent their business. If you have a bad attitude, little to low tolerance for questions that you consider to be too basic or stupid and you demonstrate the inability to give constructive guideance to fellow notaries on this forum what makes you think a company will want to consider you for hire? Please ask yourself that question, I beseach you to do so.................BY the way Ms ChristiSocal I am not in the biz so to speak..............

Reply by christiSocal on 9/13/07 12:07am
Msg #210691

Gee, I guess you told me!

I know I sounded terribly mean. I guess I should hang my head and cry...
Instead I'll just say, you were given constructive criticism, by some of the best I might add.
And I doubt any of them are very worried about any company reading their replies. There is a big difference between borrower questions and basic questions from someone HIRED to know what they're doing!
Night night, sleep tight.

Reply by Sharon Taylor on 9/12/07 2:53pm
Msg #210587

Must be a joke - Archer Land Title is very professional!

If it's the Archer Land Title in TN, I can't imagine them assigning someone so clueless to one of their closings. The team at Archer Land Title in TN is very professional, dedicated, knowledgable, and wonderful to work with.

Reply by Loretta Reed on 9/12/07 2:54pm
Msg #210588

Re: Must be a joke - Archer Land Title is very professional!

I looked them up, they have several offices all over the US, one is in GA.

Reply by Stamper_WI on 9/12/07 2:56pm
Msg #210589

So it must be a RESPA

Which would consist of Broker doc's only

Reply by Linda_H/FL on 9/12/07 2:58pm
Msg #210591

Re: It is - she answered up above at 2:57..phew.. n/m

Reply by Stamper_WI on 9/12/07 3:01pm
Msg #210592

Well good!

Now we can get back to worrying about other things LOL

Reply by cassiewi on 9/12/07 3:02pm
Msg #210593

True enough

But still, she should know GA is attorney only. I am quite certain that now she does know that.

Reply by Stamper_WI on 9/12/07 3:05pm
Msg #210594

Re: True enough

Yes and she knew the type of response she would get. Brave one!

Reply by Linda_H/FL on 9/12/07 3:12pm
Msg #210595

Re: True enough...but you know what?

"But still, she should know GA is attorney only. I am quite certain that now she does know that."

I would think Archer Title would know better too..or at least I would hope.

Reply by NotaryGal/AZ on 9/12/07 3:12pm
Msg #210596

Mekia, The only way you will learn is by being honest, ask these questions (at the time they present themselves) with the Title Company providing you the work. Let this Title know that you have not conducted signings before and this will be your first. Keep in mind that what you project reflects on the Title Company. If you sound ignorant and truly don't know what you are doing, this will be obvious to the borrower and intern you could potentially tarnish yourself and the Title Companies' reputation. From what's being discussed ... it being an Attorney State... Is it possible that you are out of your jurisdiction anyhow? What type of transaction are you handling? Refinance, HELOC (2nd Loan), Purchase...?

Reply by ZeeCA on 9/12/07 3:21pm
Msg #210599

SHE DEF HAS ATTITUDE... no knowlege but plenty of lip

but she wants us to train her ..................

oh puleez

Reply by MekioGA on 9/12/07 3:30pm
Msg #210602

Re: SHE DEF HAS ATTITUDE... no knowlege but plenty of lip

Hey ZeeCA, I have the attitude to achieve and I am seeking help, so if you don't or won't help I can understand but I don't want to waste your time or mine with irrelevant conversation. thanks

Reply by Carolyn Bodley on 9/12/07 3:33pm
Msg #210604

Re: You aren't an attorney and can't do signings in Georgia! n/m

Reply by ZeeCA on 9/12/07 3:35pm
Msg #210606

Carolyn she has been told and told but she knows better.... n/m

Reply by ZeeCA on 9/12/07 3:34pm
Msg #210605

Re: SHE DEF HAS ATTITUDE... no knowlege but plenty of lip

you have an attitude AND you expect us to train you? what turnip truck do you think that we just rolled off of?

and by the way...........everyone has been kind in your blissful ignorance... go do your screw up err I mean closing and best of the luck to the poor b/o's

Reply by Charles_Ca on 9/12/07 3:39pm
Msg #210608

I suspect Zee that when she finishes taking the application

the borrowers are going to be soooo upset that they won't want to have anything to do with whoever the ap is for. The next guy who calls off a trigger lead will wind up with the deal. I just hope someone from Archer gets wind of this. This notary should not be allowed to continue!

Reply by Sylvia_FL on 9/12/07 5:06pm
Msg #210623

Re: SHE DEF HAS ATTITUDE... no knowlege but plenty of lip

Meiko
only an idiot accepts a signing (whether Respa or otherwise) not having a clue as to what they are doing.
If you read the purpose of this forum it was created for the professional. It was not created as a training ground.
Insulting Zee is not the way to gain friends on this forum.

Seems like this thread should be forwarded to Archer Title so they know exactly who they are hiring. Wonder how they would feel about sending someone who is clueless to handle their documents.

Reply by Charles_Ca on 9/12/07 5:46pm
Msg #210630

We'll find out Sylvia, I passed this on to my Archer rep. n/m

Reply by MekioGA on 9/12/07 3:23pm
Msg #210600

uniform residential loan application, and I have to be there in 30min. thanks

Reply by NotaryGal/AZ on 9/12/07 3:37pm
Msg #210607

That particular document does not need to be notarized.
There must have been some previous hold-up or issue for the Title Company to request a third party to intervene and get this signed. Usually these documents are mailed to the clients(borrowers) directly with the request for signatures and/or initials to be returned the same way. This usually occurs within 3 business days (+/-) following an initial phone app. or online app. FYI: Do not have the clients post-date. I have a feeling this may come up on you.

Reply by Linda_H/FL on 9/12/07 4:11pm
Msg #210611

"There must have been some previous hold-up or issue for the Title Company to request a third party to intervene and get this signed. Usually these documents are mailed to the clients(borrowers) directly with the request for signatures and/or initials to be returned the same way. This usually occurs within 3 business days (+/-) following an initial phone app. or online app."

Not necessarily NotaryGal - RESPA signings are done all the time - the signing agent takes the initial application package with initial disclosures and get the package signed and collects some supporting documentation to begin the loan application process (i.e., w-2's, pay stubs, bank statements, homeowners' insurance dec page, social security or disability award letters, if applicable).

Reply by Kathy/ID on 9/12/07 4:12pm
Msg #210613

I did a RESPA sign up for this company a couple of weeks ago. They are broker doc's and it has the 1003 in the package. There was nothing to notarize but they wanted you to verify the id was the one on the documents.

With GA being a attorney state not sure if a notary can do them or if a Attorney has to do them as well. I am in Idaho and it is not a Attorney state.

Reply by Linda_H/FL on 9/12/07 5:06pm
Msg #210622

If RESPA packages need an attorney there'll be a awful lot of GA mortgage brokers and loan officers out of work!!

Reply by kcg on 9/12/07 5:38pm
Msg #210629

Re: Archer Land Title - I Think This Is a Joke

I had to go thru quite an interview with Archer Land Title here in IN before they called me for job one. I find it hard to believe that they are sending this gal out without knowing that SHE knows what she is doing.

And if this is for real.......the anger that comes thru on the board is for a good reason. When a notary goes out willy-nilly it just reinforces the notion that we are idiots who don't know what we're doing - it is a blemish on ALL signing agents

Reply by Linda_H/FL on 9/12/07 6:27pm
Msg #210641

Re: Maybe so Katreena, but keep in mind all offices

are probably different - I dealt with one of their offices and they wanted me to backdate.

Reply by MekioGA on 9/12/07 10:30pm
Msg #210681

Hi NotaryGal/AZ!
I know this response is late but I do appreciate the advice! I did not do a closing today, they were just broker docs and no post-dating was done. Thank you for your help and MAY GOD BLESS AND KEEP YOU...........

Reply by Loretta Reed on 9/12/07 5:33pm
Msg #210627

We call that a 1003...smarty pants

Reply by Loretta Reed on 9/12/07 5:35pm
Msg #210628

Re: Archer Land Title..not to you Linda...

my post fell here. I was commenting on the what we call a Loan application.

Reply by Linda_H/FL on 9/12/07 6:31pm
Msg #210644

Re: Gotcha!! n/m