Posted by Mobile1/PA on 6/24/09 2:38pm
Msg #293411

Printing Docs before a signing

Just curious. Seems like I am printing docs and running out the door lately. Not just for the same day signings but ones that are set up in advance. This of course makes it very difficult to schedule more than one signing close together. How much time are you receiving to print out your docs before leaving for an appointment. Thanks! M1

Reply by Lee/AR on 6/24/09 3:01pm
Msg #293413

Anywhere from 12 hours before to 2 hours after the appt. But, mostly they've been somewhat late (15 min. to 1 hour before appt.) pretty much this whole year, so far.
Happens so often that 'how flexible are you on scheduled time?' has become SOP for me during the Confirmation call to B.

Reply by Ilene C. Seidel on 6/24/09 3:44pm
Msg #293427

A lot of loans are falling out, more than usual

Reply by John/CT on 6/24/09 3:08pm
Msg #293415

Re: Printing Docs AFTER the signing appointment

Happened to me yesterday: Received dox at 5:30 for a 5:00 o'clock signing. Late receipt of dox all too common with these people ... mostly the fault of the lenders. Apparently, subsequent to letting many of their loan processors go after last Fall's "meltdown", they're not staffed to timely manage the new volumes.

Reply by NotaryJoe on 6/24/09 3:17pm
Msg #293418

Generally, I want the docs 2-3 hours before I must leave for the appt. This assumes a full loan package for a new loan or refi with 2 sets of 80-110 pages for the package.

Reply by davidK/CA on 6/24/09 3:38pm
Msg #293423

I think I have seen ONE 80 page refi this year. The vast majority of document sets are now about 125 pages per set. As time goes on it seems that lenders are adding more and more pages that repeat the same stuff already in the package. I guess that "FBI Fraud Warning" has scared not only the borrowers but also the lenders so they compensate by adding more and more documents that have to be signed and notarized.

I must be working for the wrong people. Hey, for 45 pages less I might ever reduce my fee (very, very slightly, of course).

Reply by NotaryJoe on 6/24/09 3:59pm
Msg #293431

Hey David, I agree with you on the file size. The 80-110 count is for each set in the package meaning 160-220 for an original and 2nd set for borrowers.

Reply by Glenn Strickler on 6/24/09 6:36pm
Msg #293452

As I have said many times before .....

The appointment time is not set in stone until I get the docs.

If you sit down and think this out it is sooooooo easy to do, makes a lot of sense and avoids screwing up your daily schedule and allows you to maximize your time so you can do more in a day, should it ever get that busy.

Reply by notaryinmo on 6/24/09 8:06pm
Msg #293461

Re: As I have said many times before .....

I've had it happen where I got the docs 30 minutes before the "appointed time" that is 30 minutes away without traffic. Then, not even 10 minutes later the phone rings again as I'm trying to get all the docs downloaded, printed out and assembled the TC is calling me to find out if I've left for the appointment yet. As I explain to them that I just received the documents and getting ready to leave in the next 10 minutes - I'll be running a little bit behind. Then, I've been told that I can't be late. Now wait a second here - it's not my problem that I didn't receive the docs in time and there's no way I'll be breaking speed limits to get to the appointment in time. When I call the BO to confirm the appointed time, I always let them know that the appointed time can be kept as long as I receive the docs in a timely fashion. It's worked so far.

Reply by Jack/AL on 6/24/09 8:44pm
Msg #293467

Re: As I have said many times before .....

Like Notary Joe says, it's great toget them 2 or 3 hours before time, but that has recently become the exception. I've recently had to stick to my guns and look through the first set (carefully), while the second set is printing. That quicjly paid off: one set was dated for the next day, so a new set had to be sent to me an hour later. In another set, half docs had him and her as borrowers, while half did not mention her at all. Turned out she died a month earlier, but after the loan process began. Someone at LO knew that, but someone else did not. At least I was able to find out the situation and did as the lender required, by lining through her name, and getting appropriate initials, mine or his, depending on the page and location.

Reply by JulieD/KS on 6/24/09 11:14pm
Msg #293483

I give a 3-hour deadline for edocs and if the docs don't arrive, I make them reschedule. I became a real hardnose on this issue several years ago because I found out what happens when I let them slide.

By giving them a deadline, I stay in control of my own schedule.

Reply by Cari on 6/25/09 6:57am
Msg #293501

Re: Printing Docs before a signing...

Same here JulieD...and you're right...by giving them a deadline you do stay in control of your schedule...and you have to be in order to make money in this biz....

Its bad enough we don't get much respect in this profession, but I'll be in control of my schedule thank you very much...

Reply by ikando on 6/26/09 11:30pm
Msg #293767

Just a thought here. Who should be notified if we were to start charging for late docs? The lender? The title company? The SS? I frequently see a line about reductions in my fee if anything is missed, so I wonder if we might want to request a fee for late docs which cause our schedules to be disrupted? Seems to work for other professionals.