Posted by Stamper_WI on 11/10/09 7:04pm
Msg #310587

It would be nice

To know you are meeting a divorcing couple. Had one yesterday that he was taking out the loan to pay her off for her half of the house. The quit claim deed was in there but I didn't read it close enough before hand to realize that it was taking her totally off the title. I had a conversation with the TC about marital doc's when I realized there was a wife involved (since we were meeting at her office). She walked into the room and handed him the final divorce agreement to sign before the final court appearance. He read it while she signed her doc's.
When he said " I didn't agree to this, what else did you slide into this" I asked if I should step out of the room. Nope. So I watched a civil conversation between to professionals getting a divorce. Both had the big vein thing going on their heads.
Well we got it done after I got her emaill address to send her the docs she signed. All I know is that she is threatening to cancel the loan if they don't have a divorce agreement and they must make one heck of a hot tub nowdays if that is what it takes to hold up an agreement.

Reply by John Schenk on 11/10/09 7:13pm
Msg #310589

Yah, that WOULD be nice. n/m

Reply by Stamper_WI on 11/10/09 7:16pm
Msg #310590

Re: Yah, that WOULD be nice.

Actually, it went better than when the lawyers are there.

Reply by Marian_in_CA on 11/10/09 7:33pm
Msg #310593

A few months ago I knew going in it was a divorce situation, there was information in the paperwork about it. I thought, okay... be prepared here, right?

I get to the address, the house is nearly empty... no furniture to speak of, save a kitchen table and a few portable chairs, some items in the kitchen.

Husband is there, and he makes a phone call and he sounds awfully short, yet civil. Figured he was calling the ex. He hung up and said the wife is traveling in a distance and will be there shortly. Not a minute after that, a woman pops in, comes in and kisses the guy hello and goes to the kitchen to get a drink and sits at the table. She didn't look terribly interested in anything but the husband, so I figured this was a girlfriend or something. I think, "Fabulous... this is a divorce situation with a flirty girlfriend at the table."

I introduce myself to the woman... she pulls out her ID. It's the wife!


They were doing a refi on this house that they'd just purchased a few months prior, but she was quitclaiming the entire thing to him as part of a divorce settlement. Yet the whole time they're making goo goo eyes at each other. I never asked!

I walked out of there really confused.

Reply by John Schenk on 11/10/09 7:48pm
Msg #310594

Happens every day! LMAO n/m

Reply by Doris_CO on 11/10/09 8:26pm
Msg #310599

I had one a couple of months ago. I call borrower and he says x-wife will be there to sign docs. The loan is just in his name but she has to sign quit claim deed and some title docs. Turns out she owned the house before they were married and her 19 year old daughter still lives there. I guess giving him the house was part of the settlement. Since she arrived after I did, I assumed she lived elsewhere but by the time I walked out of the house I wasn't so sure.

Reply by MW/VA on 11/10/09 8:40pm
Msg #310600

Can you just imagine the kind of stories divorce lawyers have to tell. I've been involved in a couple of tense situations, emotions high & shaking hands, etc. Many times the spouse is there to find out just how much money is coming out on the refi to make sure they're not being short-changed.

Reply by Linda_H/FL on 11/10/09 8:43pm
Msg #310601

I'm curious why these property transfers

aren't taken care of at the time of the divorce....by the lawyers who are getting paid the big bucks to take care of these little details...

Reply by Yowheelz on 11/11/09 7:13am
Msg #310624

it also would be nice to know in advance of..

Blind, Deaf, non-english speaking, chronically physically disabled etc, Have had all of these when I arrived at closing with no previous indication from title. Maybe they didn't know but it is very upsetting to have a tight schedule then find out that the borrower is a disabled person and it is going to take a very long time with several breaks in between to sign name to all documents. I have never been given advance warning of any of the above and it is information that should be provided to us.

Reply by Shoshana/AZ on 11/11/09 7:29am
Msg #310627

Re: it also would be nice to know in advance of..

I once came to a signing only to find out that the wife had ALS. I immediately called and reported this because there was no way that the wife could sign a stack of loan docs. It took title 3 weeks to draw up a POA so that the wife only had to sign my book and the POA.

Reply by Stamper_WI on 11/11/09 10:27am
Msg #310669

Re: it also would be nice to know in advance of..

In the last month I have had a deaf man that read lips very well. Very little note writing,
A man with parkinsons we just took breaks a lot.
A man with no voice box who I had a hard time understanding. I think the microphone thing he held to his throat was having problems as it sounded like it was skipping.
I was only aware of the deaf man ahead of time.

Reply by Stamper_WI on 11/11/09 7:29am
Msg #310628

The divorce was not final yet

They were doing this on the road to the final agreement. It was one of the conditions.