Posted by LynnNC on 1/16/08 4:05pm
Msg #230929

Borrower's Copies

I am curious how others present the borrower's copy of the documents. In a manila folder, in an envelope, or just the docs with a clip.

Reply by Phillip/TX on 1/16/08 4:06pm
Msg #230930

Just a copy with a binder clip.

Reply by ME/NJ on 1/16/08 4:11pm
Msg #230931

Same as above - who would of thought clips are cheaper n/m

Reply by LynnNC on 1/16/08 4:14pm
Msg #230934

I also present the docs with a clip, but, I do some "profiling". If the borrower lives in a really expensive house, sometimes I use a manila folder as well, thinking that they might expect more.

Reply by MistarellaFL on 1/16/08 4:15pm
Msg #230935

I put them in a manila file WITH a clip

Reply by Linda_H/FL on 1/16/08 4:49pm
Msg #230954

Re: Ditto, Mist...

with Temporary Payment Coupons, Payment Letter, Amortization Schedule and Autopay Application, (all if applicable), stapled to inside left side of folder for quicker reference.

Reply by LKT/CA on 1/16/08 4:30pm
Msg #230943

Copies are clipped and in an envelope with the borrower's name written on outside of envelope.

Reply by Blueink_CA on 1/16/08 4:50pm
Msg #230955

Binder clip - unless we're closing somewhere besides the borrower's home, then in an envelope.

Reply by NotaryGirl71 on 1/16/08 5:11pm
Msg #230961

I typically re-cycle binder clips from other files and use them for the borrower copy...or even a good ole rubberband from the daily newspaper.

Last year I paid $16.00 for a case of 8.5x11 paper at Costco...this year I paid $24!...With price of paper going up 33%, the price of gas, and the price of ink and printers there is no way I am going to spend even more money for envelopes!

Reply by CF on 1/16/08 6:05pm
Msg #230973

Well- I guess that I am really cheap......I fold a piece of paper around the borrower copies and write "borrower copy" on it. Maybe I need to step it up????? I have debated this with myself before.....and I decided not to buy a box of clips. However-some of my TC's that I work for send me some of their folders and I will use them....but I am not putting out my own dime! If the borrowers want it different; then they can clip it. I really do not spend any money on office supplies. I use free pens from my sister (pharma rep) and my husband's company. Just being honest!

Reply by CaliNotary on 1/16/08 6:16pm
Msg #230977

You're being too cheap. The fee you charge for edocs should be enough to pay for a freaking binder clip. A box of 144 of them is 12 bucks at Staples, which is 8.3 cents apiece. You're looking at 17 cents per signing to provide the borrower and the TC a stack of documents that won't go flying everywhere if they accidentally drop them.

As for folders or envelopes, that I don't bother with, that just seems like a waste of money to me.

Reply by CF on 1/16/08 7:11pm
Msg #230982

Well-I am feeling a little guilty now- knowing what others are doing! Perhaps I will use my toner that I recycle to pay for the clips. I buy toner on-line and then take it back to Office Max and use the credit to pay for something. You get $3.00 per cartridge that you recycle with them. I think that it is the same for Staples too.

Reply by Carmi/CA on 1/16/08 7:14pm
Msg #230985

$2 at Staples. Better than nothing, I guess. n/m

Reply by NotaryGirl71 on 1/16/08 7:19pm
Msg #230987

CF - Don't fee guilty...to make it in any industry costs need to be cut.

Whenever I receive over-night docs I take the clips off before I send the package back and use them for my e-docs.

Also as far as toner I go to www.TonerRefillKits.com. I have saved a bundle on toner costs. You can re-use your existing cartridge by buying their toner that comes in a bottle. It takes less than 5 minutes to refill the cartridge and will save you about 50% or more. A borrower at a signing told me about this about a year and a half ago.

Reply by Carolyn Jorgensen on 1/16/08 7:59pm
Msg #230994

File-sized Rubber bands are better than clips for me.

If you put them down and make a circle out of them, they are about 5" in diameter. They are specificaly designed to go around a stack of 8 1/2 x ? paper. They are a lot less bulky and cheaper than clips, (50 for 2 or 3 dollars) so I find them more convinient.

I always tell the borrower when I do email docs, "These are your copies, and I printed them myself, so I GUARENTEE you that they are identical." And they are idential, right down to the Fed Ex air bill.

Reply by SReis on 1/16/08 9:10pm
Msg #231007

Just put in a FREE FedEx or UPS pak. No binder/clip/elastic n/m

Reply by Susan Fischer on 1/17/08 12:12am
Msg #231023

Not Free for FedEx...they put it out there in good faith. n/m

Reply by sue_pa on 1/17/08 7:15am
Msg #231028

Re: Just put in a FREE FedEx or UPS pak. No binder/clip/elastic

During a real estate investing class I took several years ago people indicated they hand delivered materials to potential sellers and placed them in these envelopes - stressing the urgency of delivery by appearing to have been overnighted. It was pointed out that somewhere, somehow, you were actually stealing these materials by not using them for their intended purpose by the provider.

Reply by LynnNC on 1/17/08 9:09am
Msg #231031

I use clips and on the borrower's set I have a cover sheet that says "Borrower Copies". In addition to identifying the borrower's set, it is useful for the borrower to make notes on.

Reply by thnotary_NY on 1/17/08 11:20am
Msg #231042

I have always used a Manila envelope with an added label on the front, notating date, name, lender/settlement co., with my card stapled on the back. It,s the little things that count, although, I may have to re-think this.