Posted by lindab on 12/24/08 8:48am
Msg #272739

150 page fax backs plus 6 pictures

Took a job on the fly yesterday. Called borrower to confirm time. Weather was really bad here yesterday so told borrower and ss that I would be 1 hour late. Got to my office to print docs after doing two other closings. Started printing the docs as soon as I got to office since I was going to be late. After printing docs I pulled up the confirmation to take w/me. Lo and behold I read that they expect me to fax the entire loan pkg. back to the title co. I called them to verify this while my husband was driving me (due to the horrible road conditions) to the 1 hour away appt. Got all the way to appt and borrower notices that the interest rate is incorrect. Needless to say they didn't sign. I also noticed, after the fact, that the title company expected me to take 6 pictures of the house. Are they nuts? It is pitch dark at 7:30 pm and besides, I have NEVER been asked to take photos. Isn't that something that the high priced appraisers do? Needless to say I won't be working for them anytime soon.

Reply by Prosperity on 12/24/08 10:13am
Msg #272742

Yikes

Maybe next time they'll ask you to jump up-and-down, tap your head, and turn around all at the same time.

Reply by Notary/Guy on 12/24/08 10:45am
Msg #272747

Who was the SS co?

Reply by thnotary_NY on 12/24/08 10:49am
Msg #272749

This should teach you to read the Lender/TC instructions before leaving, you were going to be late anyway. No way did they need the entire package, usually only the docs that will be notarized and such. Your call should have been to either negotiate another fee or to refuse the job due to..........IMHO

Reply by lindab on 12/24/08 11:47am
Msg #272753

I did renegotiate the fee thru the ss. I was going to do the faxing even though I thought it totally outrageous. However.....once the borrower and I found out that the interest rate was wrong, I decided I would pass on the job. I sent memo to ss and the title company stating such. Today the ss called me twice to try to get me to go back out. Luckily I have another closing that would conflict and I told them that I would not fax 150 pages anyway. She called me back and said that the lender will not require fax backs if I complete the closing today. I don't want to mention the ss because they didn't do anything wrong. They were just following instructions per the lender and the title company.

Reply by goodgirl on 12/24/08 12:26pm
Msg #272758

So then, tell is who the lender was. We can all steer clear of them.

Reply by lindab on 12/24/08 12:44pm
Msg #272760

Allen Mortgage out of Centennial Park AZ. and the title was Transcontinental out of CA. I've never heard of them before. I still can't imagine anyone faxing 150 pages for any reason. No one else has ever been asked to do this? What about taking pictures of the property? I've been doing this for 5 years and this was a first for me.

Reply by Lee/AR on 12/24/08 12:51pm
Msg #272761

Took pics once for a mobile home refi

But how they expect you to do this trick in the dark is beyond me. Thanks for the heads up
on the lender. Don't want to go there...tie up phone line for an hour--I don't think so. Sometimes you wonder what they are thinking... or are they thinking at all.

Reply by Lee/AR on 12/24/08 12:52pm
Msg #272762

Adding 'they sent the one-time use camera'. n/m

Reply by Joan Bergstrom on 12/24/08 8:25pm
Msg #272785

Was this a manufactured home?

I did a couple of these last week. They didn't ask for fax backs.

Reply by Steven Pearce on 12/25/08 1:09pm
Msg #272802

I had to get pics for a manufactured refi.

It was at a Yacht Club in a nice area. I gave the disposable camera (sent by Title) to the BO with the list of pics they want. While he was doing that I got set up to complete the signing.