Posted by Yowheelz on 1/18/08 4:41pm
Msg #231339

sick to death of late documents

I'd give anything to go back to the days of overnight docs. At least you had them on time. I am sick of title companies screwing up my day with late docs. You can't plan anymore. I had 3 signings tonight, each 2 hours apart. The first one never could get the docs before the borrower had to go to work so it was cancelled, the second one just printing and I was supposed to be there half hour ago, therefore my third signing (o/n docs) is going to be late.
jeeze, even when you tell the companies that you need the docs by a certain time they can't seem to make it happen. It just plain pisses me off!!!!!!!!!!!!!! They think I got nothing better to do than wait on them.

Reply by CJ on 1/18/08 4:51pm
Msg #231343

I have noticed that email docs tend to already be catastophies. There is a reason they can't get the docs to you: becuase they don't have their act together (duh). Then when I get to the borrower, things are all messed up there too (because they don't have their act together), and the borrowers don't want to sign, and then it is an hour on the phone straightening out the mess.

I miss dictech. They didn't pay much, but I KNEW the docs were going to correct, the borrowers were going to be happy, and I would be out of there in 30 minutes.

(I remember one ditch borrower said, "It was 4:00 in the morning, on a Sunday morning, and I could not sleep. So I got on line and applied for a Ditech loan. FOURTY-FIVE minutes later, a live person called me back. Now it's Friday, and here you are!) And the docs were correct.

Reply by Alice/MD on 1/18/08 5:11pm
Msg #231353

I have often wondered how some of the Signing agents managed to get more than 1 a day closing done when we can't get docs emailed to us within the signing time. I am frustrated with the t/c waiting the last minute to send docs. Most of the time the HUD is incorrect when we get to the borrower. Tell me how we can do more than one signing a day when we can't get one done in a timely manner, waiting on docs.

I wish we could have over night docs with a fee of $75 to $80 with no fax backs. We could do three of these a day. Wishful thinking.

Reply by Tony_FL on 1/18/08 5:55pm
Msg #231361

Then WHY are you making your third customer suffer? You already have his documents, and its time for his appointment, you should be taking care of HIM!

Your second customer is having to wait ANYWAYS! There documents are LATE and therefore their appointment time HAS to be pushed back.

Why make number 3 suffer (and possibly hurt your reputation with company #3) when you can service this customer and THEN go back to customer #2 when the documents are finished printing?

Reply by CJ on 1/18/08 6:17pm
Msg #231369

What I do . . .

When I get last minute email docs, I level with the borrower. "Plan A: we get the docs on time and we sign. Plan B, how late will you be up tonight? Because I will have to take care of my other jos, then come back home, print your docs, then out to your place". I tell them that I will call them when the docs are printed (you know, sometimes the password they give you doesn't work or something, so just because you have the docs still does not mean your in the clear yet.

If we are on Plan B, I call them when I get home, and I let them know if the docs are there or not (by this time it's usually 8:00 pm), and I tell him that I will call him back when they are finished printing, and then it should be 1/2 for me to get there.

If they REALLY want that loan, they will wait up. It's not my fault that I confirmed appointments before this fiasco showed up. The fiasco will have to wait.

Reply by Glenn Strickler on 1/18/08 6:31pm
Msg #231377

5 closings yesterday, all edocs ....

None late,

When I am hired to do any closing, I ask the person who hires me if the time is flexable and if I can schedule the closing myself. Almost all the time, they will say yes. I will tell them at that time, I am not going to schedule the closing until I get the docs. Most of the time, when the tc or ss quotes you a time for the closing, it is off the top of their head and not a set-in-cement time requested by the borrower. The will ask the BO "Is xxxx oclock ok" I do keep the BO in the loop and let them know I will call and schedule when I get the docs.

On the occasion when the BO wants the closing at a certain time, then I schedule around them and it usually works out. But I never, never, never, never, never let late docs throw off the rest of the day .... The late docs get moved to the end of the line .

I don't want to give the wrong impression here, though. Yesterday was the first time in a long time that I actually had to work on a schedule. Like everywhere else, its been sloooow.

But take charge of your schedule. There is extra money to be made in edocs. ......

Reply by Joan Bergstrom on 1/19/08 2:15am
Msg #231411

Re: 5 closings yesterday, all edocs ....

I did 3 signings yesterday and all docs were delivered to the borrower. Two were Countrywide.

Docs to borrower are pretty unusual, but are getting more common with some Countrywide signings in Riverside CA.
The other signing wasn't Countrywide.

I got 5 calls today to do signings for both today and next week but I am going on a cruise to Hawaii and will be back on Feb 3th and didn't want to work today.

I am surprised how few posters on notaryrotary link to their profile page (when he/she post) and how few understand that you stand almost no chance of being hired as a loan signer without a website!!

It's 2008 and this is a DUH!! Yahoo.com can set you up free of charge.

Would you hire anyone in 2008 without a website? This lack of a website confirms that you know nothing about running a professional business.


I know how to market myself and that is why I am still doing 40+ loan signings a month and over 30 public notary assignments each month in Riverside CA

Reply by Yowheelz on 1/19/08 7:08pm
Msg #231445

Reply to Tony_Fl

It was a matter of location. Third signing was farthest away. I would have driven all the way out than had to come back home for no 2's docs than go back out again. It was better to call No 3 and push him off a little. Fortunaltely he was quite flexible.

Reply by Laura Vestanen on 1/18/08 7:09pm
Msg #231381

I hear ya

I, too, have become totally fed up with late edocs.

That's why I like working with local loan originators. Docs are printed at our local title company and I pick them up in the morning and return the signed package the next day. Love it.

When the job has to be edocs (this happens with my Mortgage Accelerator Heloc work), title is not going to be late because then my LO gives them heck.

If a signing comes my way and it's not from one of my LOs, I tell the TC to have the borrowers bring the docs to me and pay me cash at the table. Sometimes they tell the borrowers to call me to set up the appt.

I've had it with late edocs and low-slow payments.

Reply by CJ on 1/18/08 7:24pm
Msg #231383

Thanks for the good ideas. :)

I got an email job tonight at 5:00. (I still have to print the docs.) I told the borrower that I had an appointment at 6:00, (double docs) so the soonest I could be there was 7:30 (including drive time). She said that won't work becuase she is going to the movies tonight. She is going to call me after the movie. Of course I said "fine", (and I will show up all cheery), but that's not how I really feel. I told the SS, and they were upset too, saying that the TC was busting their butt to accomodate the borrower and get this signed tonight. Idiots.

Just blowing off steam.

Well, docs are printed. I'm out the door.

I'm glad to be working.

Reply by ME/NJ on 1/18/08 7:50pm
Msg #231386

Don't mind late edocs, but I do hate

printing out 2 full sets and 20 minutes later the numbers change and I need to print out another 2 sets.

Happened twice this month.. ugh

Reply by CF on 1/18/08 8:17pm
Msg #231390

Re: Don't mind late edocs, but I do hate

Most of the time the HUD and TIL will change- not the whole package. I hope that you got compensated for that?

Reply by JK/TX on 1/18/08 10:00pm
Msg #231399

From title co side….
I can’t speak for every title co, but to generalize and ass-u-me that the problem is w/the title co is a bit over the top. “Most” of the time the title co does not get closing instructions until the last minute and you can always count on the “unexpected”….. Bo has to bring in too much, broker fees wrong on instructions, interest rate wrong, suppose to escrow/not suppose to escrow, escrow/impounds wrong on instructions, names wrong,,,,, and I could go on and on and…..all these changes change some or all docs.

Those loan fees don’t just “jump” off the closing instructions on to the closing statement and if you have never worked at a title co, quite frankly, you have no idea what it is like in that bullpen…. And all the while the phone is still ringing, questions have to be answered regarding other files and they have to work on other files….. The title co does not shut down their business when that set closing instructions “finally arrive“….. If they did….well, you would not have to worry about getting any docs.

And I agree w/the post above, manage your day… if the late docs are late, don’ let someone else suffer because of it.

And, I too am sick of late docs and late closing instructions....

Reply by jba/fl on 1/18/08 10:40pm
Msg #231403

Spent a day at a TC many months ago doing signings for them. Between signings helped out around the office, and one of the impressions I left with was the enormous amount of paper wasted with the constant revisions due to ?? - but now reading JK/TX account, I have a more clear picture. Didn't get to think about it much that day - just moaned when I didn't get my docs correct the first time and had to do reprints.

Another reason to consider walking in another's shoes before....

Reply by BrendaTx on 1/19/08 4:39am
Msg #231413

*Those loan fees don’t just “jump” off the closing instructions on to the closing statement and if you have never worked at a title co, quite frankly, you have no idea what it is like in that bullpen.*

Ah, the bullpen. Until you've worked inside of the title company or closely with them feeding them those numbers you just cannot appreciate the poise of title company personnel. If I were going to seek employment at a title company I'd be looking for the one which did more commercial than residential deals. Less work for more money. Signers are experienced borrowers who know that you just have to sign the documents and move along.

In my experience the title company employees go out of their way to create an atmosphere of "Welcome" for their signers of deals all while probably feeling like they'd like to rip off a few heads. They make it look so effortless to the ones at the table. A special breed.