Posted by tmg/Tx on 7/27/09 3:42am
Msg #297468

Signature on Loan Docs

Had a signing yesterday. Insructions said borrower was to sign FIRST,MIDDLE, & LAST name on Mortgage Deed.

FIRST & LAST name was printed on Deed, Right to Cancel, Note, TILA.

FIRST,MIDDLE, & LAST was printed on the HUD

Title docs and Bank docs varied: some had full name some didn't.

I had borrower sign Deed as instructed, and all othe docs as name appeared on the docs. Which means some notarizations have first and last name and some have first, middle and last. No one was avaiable to to confirmed sig.

What was the correct procedure?

Reply by Lee/AR on 7/27/09 4:09am
Msg #297471

When you can't reach hiring co, following instructions is the safest way...even if it's wrong~~
However, yeah, you'll see variations like you mentioned frequently.

Reply by Ilene C. Seidel on 7/27/09 6:24am
Msg #297472

hopefully you used all variations on name affidavit, that would cover you.

Reply by tmg/Tx on 7/27/09 7:20am
Msg #297475

Yes I did

Reply by tmg/Tx on 7/27/09 7:23am
Msg #297476

What I'm still not sure of is if on the notary page with first, middle, and Last name is that's how I notarize and notary page with only first and last name, that's I notary.

Reply by CopperheadVA on 7/27/09 8:15am
Msg #297477

That's what I do - whatever name is typed on the signature line is what I put in my notary certificate (after verifying that identification of the signer matches name on docs, of course).

Reply by Linda_H/FL on 7/27/09 8:41am
Msg #297485

You don't mention how the ID was...did you have full first, middle and last?

Providing you had good ID, then yes, follow instructions - the Signature/AKA Affidavit will cover the name variations for the lender and title company (but not you as a notary - you have to rely on adequate ID per your state's laws).

Reply by tmg/Tx on 7/27/09 8:43am
Msg #297486

Yes, ID had first middle and last name.

Thanks, I feel much better about the closing

Reply by Les_CO on 7/27/09 9:08am
Msg #297490

That's how I would have done it. The name in the Notary Certificate should match the 'signature' IMO

Reply by MW/VA on 7/27/09 1:20pm
Msg #297538

This was recently discussed, but it is always a good topic. I had one last week that threw me after
800+ signings. Borrowers names were full names on all lender docs (Christopher Smith & Sarah Jones-Smith & ID was as such). For some reason, the title docs were "Chris Smith & Sarah Smith". They even carried that over to the DOT and had them sign AKA. Obviously, they are the same people & made sure it was covered on the Sign./Name Aff. The AKA seemed totally unnecessary & I'm guessing someone at the tc made an "executive decision". In the various notary blocks I notarized w/the name as it was on that doc, as I always do. It's been mentioned before, the bigger issue that comes up is when the name is a Jr., III, etc. I often run into a "Jr." that isn't listed as "Jr." on title, because he doesn't always use it. That one gets me, that people cause confusion by not consistently using their full legal name.

Reply by MW/VA on 7/27/09 4:56pm
Msg #297561

Yes, I knew that one signing was a bit too wierd. The tc called today to say they need some docs re-signed--obviously, not my fault.

Reply by LynnNC on 7/27/09 5:12pm
Msg #297563

***In the various notary blocks I notarized w/the name as it was on that doc, as I always do.***

You can only notarize a name that is on the ID. They should have signed the DOT as printed with an AKA as name appeared on ID.

Reply by jba/fl on 7/27/09 8:36pm
Msg #297580

"You can only notarize a name that is on the ID. "

I'm not understanding what you are saying here...if the ID says Jane Marie Doe but the docs say Jane Doe are you saying that she should be signing Jane Doe aka Jane Marie Doe?

Reply by MW/VA on 7/27/09 8:59pm
Msg #297588

I think Lynn has said repeatedly that she will only notarize name exactly as it is on the ID.
I've never heard that anywhere else before.