Posted by No/ta/ry/2u on 4/17/08 7:11am
Msg #243786

Signing Interruptions

What do you do when the loan officer is present at the signing ( no problem) but all he/she does is talk and talk and talk with the borrowers about anything, while you are trying to conduct a signing. Two signings yesterday included these types of officers.

Reply by Lee/AR on 4/17/08 7:15am
Msg #243790

Lie... or tell the truth...

We really need to move along here as I have another appointment to keep. Repeat as necessary. Once usually does it.

Reply by SReis on 4/17/08 7:16am
Msg #243792

Re: Signing Interruptions (kinda off topic)

Remind them that I have an appt to go to right after & that we need to speed the signing up a bit because I need to leave no later then..... even if I don't ;-)

As a sidenote, had to do this the other day w/a borrower (although I really did need to be somewhere) because wife "forgot" about appt, was 15min late & then when she did get home she proceeded to go upstairs & do whatever for another 10 min. Husband kept apologizing & I just said we have 10min to get this done we can either sign REAL fast or I can come back later. I was sooooo mad at the wife, how rude can you be!!!!

Reply by sue_pa on 4/17/08 7:20am
Msg #243796

Re: Signing Interruptions (kinda off topic)

I met her 'sister' last week. One hour late - of course she was at her 8-year old's softball practice so at least it was something important. I had husband call her several times while we signed the 2 sets of loan docs. I finally told him that I was walking out the door at 8:00 and she'd have to drive the 45 minutes each way yet that night to meet with me to sign her part. She RAN in the door as I was walking down the front hall.

Diane, how do you think any 'script' will help someone who puts an 8-year old's softball practice ahead of 2 loans on your home - the second being an adjustable interest only?

I never say I have another appointment - to me that will translate to a call to my client saying that I was overbooked and didn't have sufficient time for them.

Reply by CaliNotary on 4/18/08 12:03am
Msg #243925

Re: Signing Interruptions (kinda off topic)

"I never say I have another appointment - to me that will translate to a call to my client saying that I was overbooked and didn't have sufficient time for them."

I wouldn't worry about that at all. It's not unreasonable for us to schedule appointments back to back, as long as you've allowed an hour signing time there's really nothing anyone can say.

And I've found that if I have a difficult borrower, the title company or broker is WELL aware of it already since they've had to deal with them as well. I don't think I've ever gotten any response other than a sympathetic one in those situations, they're usually just grateful that I was able to get it done at all.

Reply by sue_pa on 4/17/08 7:17am
Msg #243793

How about grow a little backbone and speak up. If you use the proper tone of voice, asking the LO to allow you to finish going over the docs with the borrowers with their full attention on the task at hand so they understand the paperwork should do the trick. A 'tone' and a 'look' should be a skill everyone acquires in this business.

Reply by No/ta/ry/2u on 4/17/08 7:01pm
Msg #243892

As the LO kept talking I explained to please sign the docs as name appears and explained to them that at times the name may change leaving out a middle initial and to still sign as the name appears. Borrowers started signing, name ok, but then the docs change and a middle initial if left out, I know it is ok to oversign. but it made me so angry that the LO was still talking that I mentioned it one more time to sign as the name appears, the borrowers wife looks and me and then at the LO kinda shocked look. The of course the atmosphere changes in the room, meaning borrower wife is not a b-- (you know what I mean).

Reply by MW/VA on 4/17/08 8:27am
Msg #243805

I was advised by a TC that I conduct the closing. If anyone (including LO) is interferring with the signing, I should ask them to leave. It is often their misunderstanding that since it's their loan, they are in charge--not! If they are professionals they know not to interrupt the closing. I work with one company that the LO's are always there--that's great customer service--to answer any questions that might arise--but they always sit quietly & let me do my job.

Reply by Cheryl Anderson on 4/17/08 11:07am
Msg #243814

I had a loan officer at a borrowers house literally hanging out on the couch in the living room watching the borrowers t.v., ranting and raving about who was the best on American Idol...then called me several days later to complain to ME about why the borrower was getting charged a notary fee because having borrowers sign papers was an easy "no-brainer" job...hahaha. He asked me what I was getting out of the deal...and couldn't help myself by telling him how inappropriate it was to ask me something like that...I asked him how long he was in the industry and followed up by telling him that if he had any questions or comments about any portion of the loan that HE DIDN'T UNDERSTAND, that he should call his broker, the title company, and/or escrow-or I can call them for him and have them call him with his concerns...

Reply by jba/fl on 4/17/08 12:17pm
Msg #243822

I think I would be passing this info along to whoever hired you just for no other reason than to CYA, including his activity during the signing. How rude...wonder what his 'no-brainer' qualifications are?

Reply by Cheryl Anderson on 4/17/08 9:57pm
Msg #243912

I actually did finally call the SS who hired me, after the 2nd phone call from this LO. I should have called the first time, but since I did tell the SS, I haven't heard from this LO again. It was almost one of those experiences that I had to be a part of that humanizes the process...but still...talk about inappropriate

Reply by ohnotary on 4/17/08 2:40pm
Msg #243856

I had that problem 2 weeks ago. The loan officer almost blew her own loan. then said that the borrowers did not need to sign certian docs.
After the closing she walked with me outside to hand me her card. I explained to her I was very qualified to do loan closings, along with my experiance. she just looked at me and said I guess I better go back to my office and learn these documents, I just wanted to get up and leave at that point during the closing.

Reply by Sir_Lawrence on 4/17/08 9:44pm
Msg #243909

Find out ahead of time if somone is planning on joining you at the signing and explain the "rules" to them ahead of time. If they fail to respect your position at the table, stop the siging....and sit back and watch and wait........now....are we ready to continue? Afterwards tell the other party to never again behave that way with you, or they can call some clown to do their signings. grrrrrrrr sorry folks, I don't take prisoners. I guess I'm just getting old.