Posted by enotary/va on 9/30/08 11:47pm
Msg #265937

Print it All???

For some time I have been doing signings for 3 title cos. They send me the docs by fedex overnight and I send them back the same way. Now I’m doing some for T.C. that are emailing me the docs to print. They always want me to print a set for the BO.
Tonight’s had 127 pages with 42 of them being instructions to me or the T.C.. Why print the instructions for the B.O.? They mean nothing o the B.O..

Reply by Jessie Calderon on 9/30/08 11:57pm
Msg #265939

I only print closing instructions for the borrowers only if they have to sign on them. otherwise, I don't print the B.O. a copy. It means nothing to them...its just for the title co.

Reply by Jessie Calderon on 9/30/08 11:58pm
Msg #265940

I only print closing instructions for the borrowers only if they have to sign on them. otherwise, I don't print the B.O. a copy. It means nothing to them...its just for the title co.

Reply by Roger_OH on 9/30/08 11:58pm
Msg #265941

Call the TC and ask what they permit regarding the instructions, but you can't decide on your own what does or doesn't get printed.

Reply by dickb/wi on 10/1/08 2:21pm
Msg #266009

see you sunday roger..... n/m

Reply by Glenn Strickler on 10/1/08 12:23am
Msg #265944

You are charging a print fee, aren't you? The time you spend separating out the ones that you think you don't have to print, or asking title what to print is not worth the hassle. Besides, if you bother title or the SS that hired you with a question like "What do I really have to print to leave with the borrower could cost you future business. You are making more work for them.

Reply by desktopfull on 10/1/08 5:34am
Msg #265953

Of course you print it all. Unless you contact the TC and get their permission not to, it's not your decision on what the borrower is supposed to receive out of a package that is sent.

Reply by desktopfull on 10/1/08 5:36am
Msg #265954

Oops, above response meant for enotary/va n/m

Reply by CF on 10/1/08 7:25am
Msg #265958

This has been discussed before

If you are walking and breathing...then please use some common sense! Why would you print out instructions for the TC to use to close the loan? It is a waste of resources, but that is what Americans are famous for!!!! Please people- get real!!!!! Some will say you have to do it- some will say you can't decide- some will say to read those instructions and fly to the moon with the docs if that is what they say to do!

When in doubt- let common sense prevail!!!!!!!!!!!!!! And no- I am not an attorney- just a walking and breathing human being!!!!!

Reply by PAW on 10/1/08 10:07am
Msg #265970

Re: This has been discussed before

Absolutely ... use common sense. As I was advised by an attorney, if **I** decide not to provide _any_ document to the borrower/homeowner, I may guilty of UPL. As a signing agent, we are not authorized to make a decision for the title company nor lender as to what is to be provided and what is not to be provided. So, unless specifically instructed otherwise (and in writing), everything that is sent, is copied and provided to the signer.

Even at the title companies that I work with in-house, the closing instructions are provided to the homeowner at the completion of the closing.

Reply by Steven Pearce on 10/1/08 9:51am
Msg #265963

Agreed. I'm paid to print, so I'll print. n/m

Reply by Dawn/PA on 10/1/08 10:07am
Msg #265969

Re: Agreed. I'm paid to print, so I'll print. Ditto! n/m

Reply by MW/VA on 10/1/08 9:56am
Msg #265966

You're very fortunate, indeed, if most of your packages come overnight. Overnight packages is the rare exception for me. It sounds like your experience is lacking is this area, and it is important for you to follow instructions. When in doubt, call the TC for clarification, but don't decide what does/does not need to be printed or signed.

Reply by Gary_CA on 10/1/08 10:11am
Msg #265972

Penny wise and pound foolish.

It's just not cost effective to not print those instructions... For a while I did a lot of CW packages with their famous 23 pages of instructions.

It costs me about $0.84 to print 42 pages... certainly no more than $1.26

It takes my printer about 2 minutes to print 42 pages.

It would take me longer than 2 minutes to figure out which pages not to print, punch in the printer settings then make sure I had two now-not-identical packages straight.

And I expose myself to an error or accusation of an error by not simply printing it all.

To save a buck and a quarter??????

Reply by BrendaTx on 10/1/08 10:41am
Msg #265979

Re: Penny wise and pound foolish. Amen Gary! n/m

Reply by CF on 10/1/08 10:50am
Msg #265983

You know what everyone says about those opinions... n/m

Reply by CaliNotary on 10/1/08 12:06pm
Msg #265993

Re: You know what everyone says about those opinions...

Well, from what I can see in this thread, everyone is saying your "common sense" opinion is wrong. And I agree, the only common sense thing to do is to print 2 complete copies of everything.

Reply by BrendaTx on 10/1/08 12:35pm
Msg #265997

Re: You know what everyone says about those opinions...

I'd say you're taking this disagreement in practice a little bit personal, CF.

Gary's reply makes sense.

Reply by LynnNC on 10/1/08 12:04pm
Msg #265991

Re: Penny wise and pound foolish.

For CW loans I would print one copy of the 23 pages of instructions on letter size paper and while they were printing, on another printer I made two copies of everything else on legal. The title co. was fine with my not making a copy of the instructions for the borrower.

Reply by enotary/va on 10/1/08 9:42pm
Msg #266058

Re: Penny wise and pound foolish.(LynnNC)

Thanks LynnNC, your answer, it makes sense…. The next time I’ll ask the TC about not printing a extra set of instructions for the BO.

Reply by RickG/CA on 10/1/08 2:03pm
Msg #266008

Re: Penny wise and pound foolish.

"And I expose myself to an error..."

It's cool, I have E&O insurance right?!?!

I don't believe so, however I am not going to test it.

Reply by Sandra Clark on 10/2/08 2:30pm
Msg #266112

IMHO If it's part of the loan docs that I receive, then it is my obligation to make sure the borrower gets a copy of every doc. It's not my decision to make as to whether or not a borrower is entitled to a copy.