Posted by Dennis_IN on 8/7/09 12:21pm
Msg #299148

OH property closing question

I am in Indiana and will be closing a refi on a property located in Ohio. (NOO)
Are there any issues such as having the mtg witnessed that I should know about?

Reply by Roger_OH on 8/7/09 1:10pm
Msg #299156

No witnesses necessary unless requested by lender. Otherwise, we are a community property state.

Reply by Gary Boehm on 8/7/09 6:12pm
Msg #299194

OH property closing question

Witnesses not needed for Ohio. But there are documents BOTH borrowers must sign (such as the Mortgage but not the Note) even if just one name is on the deed. In such cases that I know about ahead of time, I tell the Title person that I want THEM to put both names on whichever documents they want both to sign. Or make it very clear in their printed instructions to me. Now, I know which ones need both signatures - but if THEY pre-print the documents with both signatures it is not my fault if they want something 'special' signed by both and I don't do it. CYA ya' know?

Reply by Claudine Osborne on 8/8/09 3:50pm
Msg #299331

Ohio is considered a Dower state. Like Gary stated I also get clear instructions as to whom they want added to the documents or I ask that title puts the correct names on sig line. This is not something we should do.

Reply by Dennis_IN on 8/8/09 8:13pm
Msg #299348

Thanks for he info. I will contact title co for direction . I think both husband & wife are on title so both should sign everything. I also am a notary in KY which is a dowry state so I have experience dealing with non-borrowers & the docs they should sign.