Posted by GWest on 3/13/08 11:48am
Msg #239172

Wyoming Property / Signing in Calif.

I have a signing next week for property in Wyoming (Borrowers 2nd Home Refi with Countrywide) and the doc's are going directly to the Borrower, so I will not be able to review prior to the signing. Is there anything I should know about Wyoming Property or recording requirements?

Reply by LKT/CA on 3/13/08 8:28pm
Msg #239227

<<<Is there anything I should know about Wyoming Property or recording requirements?>>>

Why would a signing agent need to know about any other states property/recording requirements?

Reply by Les_CO on 3/13/08 9:06pm
Msg #239232

Well, just of the top of my head……. sometimes it helps to know if it’s a Community Property, or Spousal State, or Dower State or if there in any homestead laws, or if the county in which the property is located in has any particular requirements for recording, such as font size, margins, ink color, say for signatures and stamps (some like notary stamps to be black, some blue, some purple). It also helps to know if it’s an ‘escrow’ State, or a ‘good funds’ State. Or if it’s a mortgage or DOT State. Or if witnesses are required. Or if there any special " forms" (like mortgage tax forms) required. Actually there is quite a bit one should know to be able to do this job effectively. What have you been doing?

Reply by LKT/CA on 3/13/08 9:16pm
Msg #239234

You said it "helps" to know the things you listed. Yes, it does "help". Should the Notary be "expected" to know the specifics of 49 other states? No. What "helps" is if the TC lists any specific instructions, special forms, etc.

Let's keep it simple: ID the signer, watch them sign in all the right places and follow lender/TC instructions. Knowing all the other particulars is great trivia, but not required. Remember: not everyone comes from a real estate background. JMO

Reply by Les_CO on 3/13/08 9:28pm
Msg #239237

Ain't this a great country? You can run your business your way, I can run mine my way. You only need to know as much as you want to know. However In my opinion the original poster asked a legitimate question, and your answer may work for you, but certainly not for me. I have done many closings from all across the US, and many times the people at Title have no more clue about this "trivia" than you do. There is more to this job than "point & sign".

Reply by Linda_H/FL on 3/14/08 10:02am
Msg #239271

I agree with Les...

if you don't want to keep track of all 50 states (which I suppose can get cumbersome for some) then the LEAST that should be done is as soon as you find out it's out-of-state property, check with title as to any special instructions for that particular state. It avoids future problems of an unrecordable document...JMHO

Reply by GWest on 3/14/08 12:53pm
Msg #239300

Re: I agree with Les...

When handling out of state properties, I ask the title company if there are any special requirements, but also ask NSA's in that state if there is anything I need to know. The title company in this instance is not in Wyoming, so I would prefer to hear from a notary in that area to be sure, for the reasons as Leslie stated above. In most cases I would receive the doc's prior to the appointment, but in in this case they are going directly to the Borrower, so I have no chance to review them prior to the signing. I appreciate the help that is provided from NSA's on this board.

Reply by TRG_wy on 3/14/08 8:51am
Msg #239268

Les is spot on.

You might see a QCD or Homestead doc in there. Keep out of the 1" margin. I use blue ink unless title or lender specifies black. My seal is blue as well. No witness required. Non-borrower spouse must sign certain docs; especially mortgage.

- Russ

Reply by GWest on 3/14/08 12:37pm
Msg #239298

Thank you. I appreciate your help.

- Grace