Posted by Lori Kreppert on 2/27/09 2:23pm
Msg #278950

already Backdated docs n/m

Reply by Lori Kreppert on 2/27/09 2:33pm
Msg #278956

Re: already Backdated docs

just received docs and I see that six signature spaces are already dated 1/29/09. Only one of these docs the HUD/VA addendum to uniform residential loan application is repeated elsewhere in the package and it also has *initial* written on the front. Is this backdating and if so, what do I do?

Reply by pan/nd on 2/27/09 2:39pm
Msg #278957

Re: already Backdated docs

It's not backdating...have them sign them.

It IS backdating...if they are asking you to NOTARIZE any with the 1/29 date.

Reply by Carole Breckbill on 2/28/09 8:09am
Msg #279042

Is there a problem changing the dates and initialing? n/m

Reply by Ilene C. Seidel on 2/27/09 3:16pm
Msg #278961

Re: already Backdated docs

It's probably the date the loan was initiated. Not a problem have them signed.

Reply by Gary_CA on 2/27/09 4:01pm
Msg #278967

Brother... Backdating 101...

Not your fault, good to ask if you're not sure... so please don't take this as a personal pick-on-ya...but GIMINIY CRICKETS... this is coming up every day. Twice on Sundays...

Folks, it ain't hard...

#1 We only notarize on one day of the week. TODAY. We don't notarize tommorow and we surehell don't notarize yesterday. THATS WHAT BACKDATING IS. If they appear before me on the 28th, my cert says 28, not 27.

simple as pie. No exceptions.

#2 Though it's not our legal responsibility, we need to see todays date on Truth-in-Lending and Right to Cancel. If you let them backdate these, I think you're in a pretty grey area as far as mortgage fraud goes... soot grey, not battleship grey.

#3 Nobody gives a crap about the rest of it. Especially pre-printed dates. If it doesn't bother the borrower, it shouldn't bother you.


As for the 1003... that often has to be dated way back. Nothing to see here, keep moving. In fact, I rarely have the borrower date the thing at all. Never had a problem.


Really, it isn't rocket surgery.

Reply by davidK/CA on 2/27/09 10:49pm
Msg #279018

Rocket Surgery! I Love it! n/m

Reply by Lee/AR on 2/27/09 11:52pm
Msg #279025

Me, too! I'm still laughing. n/m

Reply by PAW on 2/28/09 8:00am
Msg #279040

Rocket surgery ~ brain science! n/m

Reply by Steven Pearce on 2/28/09 8:41am
Msg #279046

Agreed, the only date I'm concerned with is

the date I fill in when I notarize.

Reply by MW/VA on 2/27/09 9:03pm
Msg #279000

Re: already Backdated docs

We often have "broker docs" in the packages that will be dated for the date of the application. That's not back-dating as we know it.