Posted by Gary_CA on 5/19/09 1:48pm
Msg #289096

New junk doc

At least new to me.

A separate page to sign to approve overnight charges. Charges not itemized on the sheet (they're right there plain as day on the statement and HUD we already signed like always) just a sheet that authorizes them in general.

If every single item on that HUD gets a separate authorization I'm gonna start charging $400.

Dunderheads.

Reply by Bob_Chicago on 5/19/09 1:55pm
Msg #289099

Need to conserve time to sign an fill out several dox each:

that say
1 I'm me
2. I live here
3. I' ll keep the place insured
4. I really live here
5. I realize that I am an idiot to take this loan.
6. I'm working
7. I'm really me.
8. this is my ID
9 I'll really keep the place insured.
10 This is my SS #
11. This is really my SS #
10 This is really my ID

Reply by Rhonda Skansi on 5/19/09 2:26pm
Msg #289107

and i really really live here

and its owner occupied; and sign this affidavit of occupancy; and i swear its my primary residence

Reply by Lee/AR on 5/19/09 2:43pm
Msg #289109

Re: and i really really live here

I applied for this loan.
Yep, I really did apply for this loan.
Signed a note, too.
Signed it a second time just to be sure you know I signed it the first time.
Signed a Mortage, too.
Really signed a Mortgage.
Really, really signed a Mortgage.
Yep, that's the payment.
Yep, that's really the payment.
Yep, that's really, really the payment.
Aaaarrrrggghhh....

Reply by CopperheadVA on 5/19/09 2:48pm
Msg #289111

Re: and i really really live here

And I double, NO! TRIPLE swear that I will comply with correcting errors that you make on my docs.

Reply by OR on 5/19/09 2:58pm
Msg #289114

Re: The one I like is...

I applied for a loan to a LO or Broker (ok a real human) ... I will comply with the process of getting this loan...I will comply with correcting any human errors while we are in the process of getting this loan....I know I can go to jail (Thank you Martha Stewart) and get fined if I lie during the process of getting this loan. However anyone involved can and will re check and re check my information any time they want to make sure that I did not lie about me... Last but not... least Its ok to share my informantion with $#@% while we are in the process of getting me a loan. Now Sign right here.....crazy stuff

Reply by LisaWI on 5/19/09 4:12pm
Msg #289150

Bob, that is hilarious :)

And so true!!

Reply by Glenn Strickler on 5/19/09 2:57pm
Msg #289113

I wonder what the record is for

the most pages that required the signatures notarized.

My personal records is 15 just a couple of weeks ago. Two BOs, so that was 30 signatures. So if I charged according to the statutes, that's $300.

Reply by Lee/AR on 5/19/09 3:03pm
Msg #289119

18 docs. 36 signatures

What really got me on this one is that they combined almost all the 'junk doc' Affs, etc. into one paragraph per Aff on a legal size sheet... and then included every dang one of 'em separately! One wonders if they ever read their own paperwork. OK, so my 2 for today cancelled--no docs/docs wrong.

Reply by Glenn Strickler on 5/19/09 3:18pm
Msg #289126

Re: 18 docs. 36 signatures

A lot of these could be combined into one multi-page document to read that would only require one signature per BO.

Reply by BrendaTx on 5/19/09 6:09pm
Msg #289163

Re: 18 docs. 36 signatures - yeah, you could, Glenn

and I think when you see a four or five page combo agreement that says it all that's because the lawyer for the lender agrees with you, but then the lender's corporate group probably has a set of documents that they want signed.

The lender's counsel shrugs their shoulders and says, "Whatever the client wants, give it to 'em...no point in arguing." Then you have the combo borrower's agreement, plus all the rest. As many as eight or ten extra agreements which the lender requires. Then, the title company has to cover their bases. Another three to five forms/documents saying the same as both the lawyer's combo agreement plus the standard lender's documents.

And, that's how you get to notarize 15 to 20 documents in a loan pkg in Texas.

Reply by Gary_CA on 5/19/09 3:21pm
Msg #289130

Re: I wonder what the record is for

I had one the other day, I don't think it broke any records but had 7 or 8 affidavits with jurats. I about lost it when I got to the sworn statement, complete with jurat, stating their mailing address.

No, I'm not kidding.

Reply by dickb/wi on 5/19/09 4:19pm
Msg #289151

i get many affidavits with ack's on them......no jurat..... n/m

Reply by Dennis D Broadbooks on 5/19/09 4:28pm
Msg #289153

That's Nothing...

...the Cards have lost 9 of their last 10 games to Milwaukee at HOME! Talk about a record! This includes the last 3 in a row during their just concluded homestand against the Brew Crew. We're on a roll...in the wrong direction. Our one bright light is the return of "The Carp" to pitch against the Cubbies tonight. We'll see if his presence can wake up the slumbering bats.

Reply by Dennis D Broadbooks on 5/19/09 7:07pm
Msg #289189

My Bad...

...Joel Pineiro is tossing for the Cards tonight. Must wait til tomorrow for "The Carp" to make his re-debut!

Reply by Linda_H/FL on 5/19/09 9:03pm
Msg #289207

Not sure, Glenn, but I think I hold the record...

29 notary certificates to be completed in one package...2 signers (we charge by cert)...