Posted by JAM/CA on 9/25/10 1:18pm
Msg #353967

Re-Fi on Second Home in Florida

Does a Re-Fi on a Mortgage in Florida require witnesses? Borrower's in California.

Reply by SheilaSJCA on 9/25/10 1:19pm
Msg #353969

Mortgages don't require witnesses, only deeds in FL. Maybe somewhat from FL will confirm this?

Reply by JAM/CA on 9/25/10 1:23pm
Msg #353972

Thanks Sheila

That's what I've thought and read. It's still in the package. Of course, nothing was mentioned by the Signing Service or Title

Reply by Linda_H/FL on 9/25/10 1:31pm
Msg #353977

What county....despite statutory requirements,

Dixie County requires two witnesses on mortgages - I think I read elsewhere that there's another county that requires them...can't find it at the moment but will look.

Reply by JAM/CA on 9/25/10 1:40pm
Msg #353979

Re: What county....despite statutory requirements,

Duval county Linda. Jacksonville, FL Thank you! Hope your happy to be done with the Census, I know I am

Reply by Linda_H/FL on 9/25/10 2:39pm
Msg #353989

Ugh...yes I am!!...and believe it or not..

my blood pressure has dropped 30 points since I stopped doing it!!

Reply by JAM/CA on 9/25/10 2:47pm
Msg #353994

Re: Ugh...yes I am!!...and believe it or not..

LOL Linda! I hear you, it was seven days a week for me being a Crew Leader Assistant. I am not concerned about this FL property. If they wanted witnesses, they should have told me and the borrower is responsible for getting them.

They weren't told this and they saw the docs for the first time, when I presented them last evening. No GFE, nana, nothing, zippo. Gotta love it.

Have a good one Linda, I'm off to another signing.

Reply by MW/VA on 9/25/10 8:44pm
Msg #354039

Some lenders/tc's want the witnesses, whether required or

not. I guess they feel it's better the play safe than have a DOT that won't record.
The instructions usually specify if they want witnesses. The notary can be one witness.

Reply by MonicaFL on 9/25/10 9:37pm
Msg #354047

Re: Some lenders/tc's want the witnesses, whether required or

I did a closing where, in the instructions in bold red letters it said: The Notary is responsible for getting the witnesses". I called them back and said if that is the case I need another 100.00 so I can pay the witnesses. Guess what - they decided that witnesses weren't necessary (and this was a refi, not a conveyance of property - which I know two witnesses are required for a conveyance of property in Florida and the notary can be one of the witnesses).