Posted by Korey Humphreys on 9/15/07 9:57pm
Msg #211356

Food for thought.........

If the experienced signing agents (Brenda, BeccaFL, PAW, CharmAL, etc.), who use this board often, decide to "strike", by not answering newbie questions, what would this board turn in to? Obviously the newbies are the ones who are asking the "stupid" questions, as so put in earlier threads.

Seriously think hard newbies, if they "strike" because of the recent "newbie invasion", who's going to be competent enough to answer your questions? Another newbie perhaps? I respect the experienced signing agents because they have been around longer then the newbies (of course). . . . . . maybe you should think about that because they're needed.

I for one would rather be put in my place, so-to-speak, by someone who has experience. If they see that I'm being lazy by asking questions that have been asked 1,000 times before, I want them to put me in my place so I'll learn to look for the answers and do things for myself/on my own.

I know I'm not going to be posting too much more until the "newbie invasion" subsides. I want to learn from those who have the knowledge and experience.

Reply by Treasure Valley Notary - Tina on 9/15/07 11:24pm
Msg #211360

You Are Right! n/m

Reply by Treasure Valley Notary - Tina on 9/15/07 11:35pm
Msg #211364

Re: You Are Right! - Try Again

I see newbies answer questions all the time. Amazing how many think that because they are now "signing agents" they know it all. And then give a bad answer. I've been doing this full time for 3 years now, plus we've always ran our own businesses, but I would sit at, those that you mentioned, their feet any day. I respect their opinions, however strong it may become. It is bad enough some of the questions that are asked about how to do a signing, but how to run a business is totally unacceptable.

This is a business. It needs to be treated as one, and even ran like one. People need to do their homework. Then the experienced signing agents wouldn't get so frustrated. I find it amazing how many find the board, and yet they have no idea about the search button, or even just reading backwards each main post. It is amazing the wealth of knowledge that is here!

Come sit with me Korey and we will continue to learn from them together.

Reply by mbcinva on 9/15/07 11:30pm
Msg #211362

Korey: If I were a newbie and needed information, I certainly would not want to be bashed by the "experienced signing agents". They don't have to be rude, insulting or mean when a question is asked. If they can't help the newbie by giving them advice, don't take up space on the forum by being insulting. Ignore the post. Also, I note in your profile that you don't do closings. It seems it is easier to sit back and agree with the "experienced signing agents" and be "put in your place" so you will learn on your own. I hope you enjoy learning from "experienced" agents that are rude and insulting--I know I would---NOT!!

Reply by mbcinva on 9/15/07 11:33pm
Msg #211363

One more thing Korey----I have been doing this for over 12 years and I am still learning and still want to learn. Also, I AM a paid subscriber

Reply by CJ on 9/16/07 12:18am
Msg #211367

I don't have a real estate background . . .

I have a paralegal background. So I can decipher legalese just fine, but when I first started, I did not know the difference between the title docs and the loan docs.

Every thing I know about signing is because I was stumped and had to ask a question. Usually calling the LO. The first questions were (I see now) really dumb, like "Why is the interest in the TIL different from the Note?". The borrowers were not going to sign until I found out.

Now I have been signing for 7 years, and I have done about 7000 signings, but last night, I was stumped, and I could not get a hold of the processor or the SS. Borrowers refused to sign, even though they had three days to cancel, and I had a feeling in my gut this was an easy answer, but I didn't know what it was. The problem was that the docs looked impounded in one place, but not in another place. I didn't know why. This had never come up before. They would not sign, nothing I said could reassure them, (without giving advice or opininons) so I had to leave. I did say that if their LO called back before midnight, I would come back out.

Anyway, docs were not date sensitive, and in the morning, the LO was furious and said, "Are you brand new? Don't you know ANYTHING? I wanted an EXPERIENCED notary." She said she wanted me to tell them that the docs are not impounded and I should tell them to sign. (I could not tell them that last night becuse 1. I didn't know the docs were not impounded, and I KNOW I can't just tell them to sign.) I told her I would go back out for free. (I wanted to tell here that if this was so important to her, why didn't she answer her cell phone? We could have solved this in 2 seconds.) I would rather make her happy and keep her as a client of the SS, me than make a few extra dollars and never hear from either one of them again.

Anyway, the point is, even experienced notaries run into new things, that are old hat and cinchy for other notaries, and we need to HELP each other, not berate each other for our ignorance.

Reply by Becca_FL on 9/16/07 2:01am
Msg #211374

Re: I don't have a real estate background . . .

Okay, let me get this straight...You have been closing loans for 7 years and can't explain to a borrower how their tax and insurance escrows work? You've closed 7000 loans and this has never come up? And, after 7 years in this business you are still working for SSs? Something is really wrong with this picture.

If I were the LO on this deal, I would be furious too.

Reply by CaliNotary on 9/16/07 12:53pm
Msg #211400

Read it again Becca

"The problem was that the docs looked impounded in one place, but not in another place. I didn't know why. This had never come up before"

That is not the same thing as not being able to explain how impound accounts work.

Reply by Lisa Prestegard on 9/16/07 6:17pm
Msg #211441

Have seen conflicting escrow/no escrow many times...

and have never had a problem explaining it.
It has always been the same situation:
The Preliminary HUD will show impounds while the Final HUD will not.
Very simple to explain, no need for panic at the table or an adjourned closing. A confident, knowledgable SA would have been able to show the borrower's in black and white the reason for the discrepancy.

Reply by Becca_FL on 9/16/07 10:16pm
Msg #211448

Bingo, Lisa.

99% of borrowers questions can be answered by looking at the docs. An experienced NSA knows where to look.

Reply by Ernest__CT on 9/16/07 10:26pm
Msg #211450

No. Sorry, it isn't always the case.

There are times when one document will say one thing and another doc will say something completely opposite.

The only answer is a phone call.

Reply by Becca_FL on 9/16/07 11:00pm
Msg #211452

Re: No. Sorry, it isn't always the case.

>>>There are times when one document will say one thing and another doc will say something completely opposite.<<<

Actually, there are many times this is the case, lest we forget the post that started this mess last Friday. In the case of this particular question and the question posted Friday, an experienced NSA should have no problem finding the answer by knowing where to look. Perhaps this is a bit complex for a weekend seminar or online course, but as a TC closer you are trained to address situations just like this.

It's not difficult to find the answers you just need to know where to look.

Reply by CJ on 9/16/07 11:00pm
Msg #211453

I didn't want to guess.

I was not sure which was the more powerful document. I have always been able to handle this before, but THIS borrower just said, "Forget it! I am not signing until I know for a fact what is going on." The processor and the signing service were not available by phone (we called and even sat around for 30 minutes in case they called back). Now it was either give advice, give opinions, or stop the signing.

But it all worked out. The processor explained it to the borrower in the morning, and I went back for free, (which of course made everyone happy, I knew the docs were good for the weekend), and I know what the answer is now.

Reply by Dennis D Broadbooks on 9/16/07 6:33am
Msg #211382

Korey...

...you need to go back in the NotRot forum archives & re-read how the "experienced signing agents" treated you when you first made a splash on the board. How quickly we forget. As far as any purported "strike" goes it's a bit presumptuous to think there'll be total lack of competency on the board if that does indeed take place.

Reply by Korey Humphreys on 9/16/07 8:38am
Msg #211385

Re: Korey...

The difference is I stuck it out for the most part and took it. I will say that they did have grounds to bash me. When someone said something I didn't like, I would create a sockpuppet to agree with my words. I couldn't fool the "elders"...... they saw right through the B.S.

I wasn't one of those people who ran to Harry to report every little thing...... that's all as far as the 'past' issue goes.

I don't think there will be a TOTAL lack of competency on the board if the "strike" takes place. I'm only trying to push the point that I would rather rely on information from people like you, Silvia, PAW, Becca, Brenda, etc. I want to learn from experienced people...... not those individuals who just passed a test and are looking for a lot of work [to be handed to them].

Reply by Dennis D Broadbooks on 9/16/07 9:01am
Msg #211388

While It's True You Weren't Exactly a Model...

...of maturity when you first joined, that never justified their acidic reactions to you either. Weren't you given some encouragement along the way that may have caused you to "stick it out"? My point is there will still be plenty of experienced members remaining to take up the slack if someone chooses to leave based on Harry asking posters to show a little tolerance to newbies & veterans alike who ask a perceived "stupid" question.

Reply by BrendaTx on 9/16/07 12:38pm
Msg #211399

Re: Korey...

Korey, I can't help but just want to hug you. I'm not sure why we had to go through that little exercise of discussing that but if anyone wants to know, Dennis is actually referring to me for the most part. Korey and I had some extremely angry moments with one another on this board and we worked it out. It's over, done...we've moved on and I consider him a friend.

And...just so you know, Korey, if there's one thing I have learned about life...it goes on just fine whether or not I participate. As far as this board goes, the way I look at it is if I don't like what's going on here I can exercise an option not to tune in.

Go on strike? LOL...yeah right. But, if we were suddenly scarce, guess what? This forum would roll right on with no problem.

Reply by MichiganAl on 9/16/07 1:44pm
Msg #211403

Re: Korey...

You're a rare breed Korey. Not many have the class to look back rationally and admit to their mistakes.

It's unfortunate, but I think that some or all of the people you've listed as well as others that are tops in this field have already backed off from assisting as much as they used to (not just here).

Reply by snoopdogMs on 9/16/07 3:21pm
Msg #211413

Re: Korey...

Harry addressed the cancer that has invaded this forum covering all the points and did not sugar coat any issue. IMHO, the mark of a professional ( PAW being a perfect example) gives a straight answer, advises, corrects, does not provoke or participate in crass exchanges. One can have all the knowledge in the world but if you can't impart it to others in a professional manner then leave it to those that can. My husband was a sales manager in the medical field and if he had talked down to his sales team as has come across this board he would have been on the streets in a NY minute. Nobody, not even animals respond to verbal abuse. I don't expect a sugar coated answer, I just want a civil answer whether it is what I want to hear or not.

Reply by snoopdogMs on 9/16/07 3:27pm
Msg #211415

Re: Korey...

Harry addressed the cancer that has invaded this forum covering all the points and did not sugar coat any issue. IMHO, the mark of a professional ( PAW being a perfect example) gives a straight answer, advises, corrects, does not provoke or participate in crass exchanges. One can have all the knowledge in the world but if you can't impart it to others in a professional manner then leave it to those that can. My husband was a sales manager in the medical field and if he had talked down to his sales team as has come across this board he would have been on the streets in a NY minute. Nobody, not even animals respond to verbal abuse. I don't expect a sugar coated answer, I just want a civil answer whether it is what I want to hear or not.

Reply by Ernest__CT on 9/16/07 2:45pm
Msg #211408

Korey is to be highly praised for his change ...

... from a spoiled brat to a valuable member of this community.

Thank you, Korey!

Reply by Becca_FL on 9/16/07 10:22pm
Msg #211449

I couldn't agree more. Kudos to Korey! n/m