Posted by Mary Ellen Elmore on 9/21/10 10:30am
Msg #353273
Instructed to determine if BO spouse was alive
How do you get to the closing table and the LO nor Title know if the BO's spouse is alive? especially when the LO is a neighbor and has sat at the kitchen table with both spouses present?
Had a VA re-fi last night, local TC that is a reg customer of mine. Never heard of the Lender before as this was one of those that buys the note after someone local seals the deal.
The local LO is well known in the community. The BO is well known in the community also.
My "Special Instructions" for this loan were as follows:
"Jane Doe shown as vested. If still alive have her sign DOT, TLL [sic], Notice of Right to Cancel. Will type her name on docs if applicable. (NOT shown on any docs!!)"
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Reply by Linda Snell on 9/21/10 11:07am
Msg #353283
Did you hold a mirror under her nose? n/m
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Reply by CopperheadVA on 9/21/10 11:14am
Msg #353284
Ha ha! I haven't had that, but once I did receive instructions to pick up a death certificate from the surviving spouse. Of course, no one had told her ahead of time and you can't just pull those things out of thin air - they have to be ordered like birth certificates do.
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Reply by Mary Ellen Elmore on 9/21/10 4:01pm
Msg #353324
I had to do that one a few times, but all my BO were warned.
When my Daddy passed the Funereal Director told Mama to get at least a dozen DC's because he could get them for her right then cheaper and she would eventually need them and maybe more.
It was great advice.
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Reply by MW/VA on 9/21/10 11:53am
Msg #353292
I have seen an "Alive & Well" statement in VA packages being signed with a POA.
Otherwise, the LO should have known the life status of the Mrs. LOL
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Reply by Jack/AL on 9/21/10 1:17pm
Msg #353304
Did you have the opportunity to ask her? ;-)
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Reply by Mary Ellen Elmore on 9/21/10 4:03pm
Msg #353326
I did. And had her sign the docs they asked for to have her sign, if she was alive. LOL
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Reply by Mary Ellen Elmore on 9/21/10 4:02pm
Msg #353325
Especially since he had been to the BO house and talked to the spouse!
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