Posted by Alice/MD on 10/20/09 9:28pm
Msg #308027

Frustrated with misspelled borrower's name

Why can't they get the borrower's name spelled correctly? I found in my last closing the borrower's name spelled 3 different ways. All had to be corrected and initialed.
This frustrates borrower too!

Reply by MW/VA on 10/20/09 9:29pm
Msg #308028

I've always been told that if the borrower's name isn't correct on the loan docs it is a re-draw.
I don't correct & initial name errors.

Reply by Jim/AL on 10/20/09 9:32pm
Msg #308029

Who told you that Marilyn? What do you do if name is wrong? n/m

Reply by MW/VA on 10/20/09 9:34pm
Msg #308031

Re: Who told you that Marilyn? What do you do if name is wrong?

Call the hiring party, of course.

Reply by Claudine Osborne on 10/20/09 9:46pm
Msg #308036

Re: Who told you that Marilyn? What do you do if name is wrong?

I have had this happen and most times the hiring party says to line through and initial. It is a pia..

Reply by Alice/MD on 10/20/09 9:47pm
Msg #308037

Re: Who told you that Marilyn? What do you do if name is wrong?

I called title co. and loan officer. I got docs after 5pm so title had already left office and the loan officer said do what title say do. She was no help. Borrower was already frustrated about this loan taking so long to get to closing . What is wrong with getting the basic done correctly on these loan docs?

Reply by SReis on 10/20/09 9:50pm
Msg #308041

Re: Who told you that Marilyn? What do you do if name is wrong?

VERY few that I deal w/will req a re-draw. Most just have u correct, although it is PIA. NEVER assume redraw though, I think what u did was best under the circumstances.

Reply by CopperheadVA on 10/21/09 5:48am
Msg #308060

Re: Who told you that Marilyn? What do you do if name is wrong?

I had one about six weeks ago on a Friday evening at 6 PM where borrower's name was significantly incorrect on docs and everyone at the TC had already gone home for the day, so I could not get any direction about how they wanted to handle it. In an attempt to salvage the signing, I had borrower line out incorrect name, print it correctly, initial, and then sign correctly.

On Monday morning I was chastised by the TC for not having the borrower sign incorrectly. I was told that borrower is always to sign as printed, even if incorrect, and they would rectify it during the three day RTC. I told TC that I could not have notarized the incorrect name, and reminded them that I called all four numbers on the instructions, but no one called back, and my only other alternative was a no-sign. It ended up being a re-draw.

Reply by MW/VA on 10/21/09 7:18am
Msg #308068

Re: Who told you that Marilyn? What do you do if name is wrong?

Yeeesh! I would not have a borrower sign an incorrect name. What were they thinking?

Reply by TRG_wy on 10/21/09 7:50am
Msg #308069

Re: Who told you that Marilyn? What do you do if name is wrong?

I'm in your court 100% on this one and would have done exactly as you did.

Sometimes you just have to wonder where people at TC that should be in the know got their education. I wouldn't expect them to know all the notary laws, but this would be the most basic.

Reply by FAN_IL on 10/21/09 9:58am
Msg #308083

Re: Perhaps Copperhead's borrower's name was misspelled on

title so the escrow person was focusing on what was "on title", & overlooking the fact that regardless of what's on title, one can't notarize someone's name as something that it's not.

Otherwise, a title co. normally wouldn't chastise anyone for correctly a typo error on their part.

Reply by CopperheadVA on 10/21/09 10:53am
Msg #308090

Re: Perhaps Copperhead's borrower's name was misspelled on

Yes, that's what happened. TC looked up title and said, "Well that's how she took title to the property." Sorry, I still can't notarize. They called me for the re-sign but I was unavailable, so I'm not sure what measures were taken to correct the issue.

Reply by FAN_IL on 10/21/09 11:02am
Msg #308093

Re: Probably a Quit Claim Deed to correct the name on title

so that title matched all the docs that had been redrawn in her correctly spelled name. But yes, you certainly did the right thing at the original signing. And I hope they paid you your full fee for it because there's no reason why they shouldn't have. It certainly wasn't your fault that her name was misspelled on a previous closing.

Reply by CopperheadVA on 10/21/09 11:36am
Msg #308101

Re: Probably a Quit Claim Deed to correct the name on title

I'm still waiting for payment. On Monday it will be 6 weeks and I'm planning to re-invoice them at that time.

I asked the advice of some notary colleagues after-the-fact... most said they would have adjourned the signing and not tried to correct the name spelling. Since I could not get a hold of anyone at the TC, I tried to send SOMETHING possibly usable back to them - who am I to know how she took title to the property? All her loan disclosures sent prior to the signing appointment had her name spelled correctly - she showed them to me.

Like others, I've had other signings where there was a name discrepancy and TC has instructed us to line and sign. Live and learn.

Reply by CopperheadVA on 10/21/09 11:43am
Msg #308102

Forgot to add that this is the typical time frame it takes

for this particular TC to pay.

Reply by Alice/MD on 10/21/09 12:47pm
Msg #308113

Re: What do you do if name is wrong?

Half of the docs had name that match his ID , but title docs had his name( example)
M. Ray Poll. What should I have done... switching from one name to the other throughout the docs of 169 pages. I went with the name that was on his ID and on the note and DOT.
This was one of those 2 hour signing (:o( .

Reply by MistarellaFL on 10/21/09 12:51pm
Msg #308114

Re: What do you do if name is wrong?

IME you have a better chance of not needing a redraw if only title docs are misspelled.
You mentioned name "matched ID" on loan docs yet title docs read M. Ray Poll.
You also wrote that you were switching names throughout the whole package?
How was that a wrong name? Was it same person but ID did not match?
Did ID read something like Mary Poll?
I guess I am not sure what you are saying....

Reply by MW/VA on 10/20/09 10:00pm
Msg #308042

I didn't phrase that correctly. I really meant that I wouldn't make changes to the names without checking with the hiring party. Sorry.

Reply by enotary/va on 10/21/09 9:25am
Msg #308079

I think what u did was right under the circumstances. VERY few TC that I deal w/will req a re-draw. They have u correct.

Reply by davidK/CA on 10/21/09 12:18pm
Msg #308109

Even the famous nit-picking Provident can have screwups.

All the last names were correct on the documents except for the Grant Deed. I guess that particular to-be recorded document wasn't important enough to the TC to bother to check the names of the parties on the inside of the document to the signature block. After all it was all on one page.

Of course I had the BO sign her correct name ignoring the misspelled last name typed below the signature line but because of Provident's strict "no strikeout" policy I made no attempt to correct the error. When I sent the package back to title I included a "you can't miss this" telling them of the error.

Of course I haven't heard of word of thank you from either the TC, Provident or the SS.

Or maybe, I should have allowed the BO to sign her "new" last name, notarized it with a name that doesn't exist and sent it back to the TC and let them send me out again for another new signing. More money for me, but of course totally illegal.

Reply by Linda_H/FL on 10/21/09 12:20pm
Msg #308110

"Even the famous nit-picking Provident can have screwups"

Tell me about it!! (hashed over in prior post so I won't waste the space again here)..

Reply by JanetK_CA on 10/22/09 1:36am
Msg #308183

This is one of my pet peeves, too! I can understand how it can happen when they are rushing out packages, but you'd think they would take time to check. And if you can't reach anyone at the table, it's a total cr@p shoot how to deal with it... Some will say correct it everywhere, some will require a redraw. However, if the package has a POA for Corrections (and I can't reach anyone), I'll generally just have the borrower sign the name correctly then let the client use the POA to fix the typos. As Alice/MD said, the borrowers can get really ticked off with having to deal with fixing a typo everywhere - especially their own name.

It does seem, though, that there is often a lack of care when it comes to how borrowers' names are spelled. I'd think that names would always be checked very carefully for multiple reasons that are probably obvious to us. It amazes me how often the escrow/title docs have the borrowers' name differently than the vesting. Lately, I'm even seeing loan documents where the name under the signature line on the DOT doesn't match the vesting - but they want us to be sure to get it signed the way the vesting is on page 1! I wish they would check it before docs get drawn!

I'll never forget being told by a ss a few years back to go through the whole package (a huge CW Full Spectrum, of course) and correct the borrower's first name everywhere it showed up. It took forever. And of course, it was rejected by the lender, they did a redraw and we had to go through and sign the whole thing all over again. I felt so sorry for the borrowers because one of them was ill.

And I've seen so many errors on Quit Claim and Grant Deeds, etc., that I always check the vesting when those are in a package. I had one last week where the borrowers' last name started with "M". In one place, the last name was typed as "Mortgage" instead. Fortunately, I caught it in time for them to get it fixed and email me a corrected copy.