Posted by Frenchie/TN on 9/10/07 1:25pm
Msg #210146
No photo on "picture" ID
I had a closing last night where the DL did not have a picture. (Here in TN you can opt out of having your pic. on DL. once you reach 65). Luckily she had an unexpired passport but many people do not have passports. What I was wondering is this: had she not had a passport, technically she can't be ID'd so what would you do in such an instance?
TIA
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Reply by ZeeCA on 9/10/07 1:28pm
Msg #210147
if absolutely no acceptable photo id... can you do CW in TN?
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Reply by Frenchie/TN on 9/10/07 1:30pm
Msg #210148
only if notary is acquainted with CW
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Reply by ZeeCA on 9/10/07 1:46pm
Msg #210154
meaning ????
cw = credible witnesses
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Reply by Frenchie/TN on 9/10/07 1:53pm
Msg #210157
The CW has to know the BO and also be personnally known to notary , so what are the chances of that happening more than once in a blue moon?
I had a poor guy call me onceabout a POA for his wife. She had been disable in a W/C for years so had no passport, no DL, nothing. I told him to ask all his acquaintances if they were per chance a notary otherwise he'd have to go to get his wife a state issued DL. I felt real bad for him because his wife hardly ever went out, or so he said.
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Reply by LJ on 9/10/07 2:13pm
Msg #210166
Had an annunity signing a month or so ago. Lady was in a wheel chair also. No valid ID, DL expired. IL can use CW only if known to both parties also. No chance of that happening where she lived either. She figured out a way to get to the DL office to get an ID card. Point being, the borrowers have to have some responsiblity in this also. She did get it done the next day and I had to meet her at the mall to close the deal. She got out and she wasn't going back home till she shopped first. lol Go girl!!!
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Reply by Les_CO on 9/10/07 2:47pm
Msg #210180
Another incompetent Loan Officer! How long does it take to ask "Do you have a photo ID?" Have any of these morons heard of the Patriot Act? I'm gald that most of these fools will soon be gone from this business.
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Reply by Sharon Taylor on 9/10/07 5:23pm
Msg #210214
Try using the borrower's bank personnnel as CW
This worked for me - The borrower was one of those over-65 people with a non-photo DL. We ended up driving to his bank where the vice-president and the branch manager of the bank both confirmed that the borrower really was xxxx and signed the CW statement. LOL They also confirmed that the borrower had been doing business with the bank for over 40 years. The moment we walked into the bank, in fact, both tellers waved to him and started chatting with him, and the vice-president came out of his office with a big smile to say hi to him. This was of course in a small rural town, and the closing took place during bank hours.
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Reply by Philip Johnson on 9/10/07 6:08pm
Msg #210219
I have a friend in Nashville and she had this question.
The notary services division directed her to the handbook and said a valid TN license is the requirement. She asked what if there is no picture and she was told "A valid Tennessee license is the requirement". So she follows this part of the handbook.
Reasonable reliance on the presentation to the officer of any one of the following, if the document is current or has been issued within five years:
(A) An identification card or driver license issued by the Tennessee Department of Safety; or
(B) A passport issued by the Department of State of the United States.
You might call Nashville and see if you get the same response.
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Reply by Frenchie/TN on 9/10/07 8:37pm
Msg #210238
Re: I have a friend in Nashville and she had this question.
I had called the TN SOS but really never got a clear cut answer to my question. Ultimately, lenders require a picture ID so that is where the quandary is.
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