Posted by Retsing on 4/28/11 7:30am
Msg #381566

Notary Tale

A signing at 7:30pm last night was quite unusual. It took 3 hours!! Think she read every word on 151 pages including the 2 IRS forms. But what was more unusual, she didn't invite me into her home. We sat on her unattractive back porch on a nasty/dirty cushioned couch and no table/flat surface to put the docs on. She used my FedEx envelope to sign. The only light was 1 light bulb hanging from the ceiling. TG we were in between the bands of storms so it didn't rain on us. I'll chalk up the strange if not rude behavior to her youth (33) but surprisingly she is in the Air Force. Makes we wonder what was in the house that she didn't want me to see. Very odd.

Reply by Roger_OH on 4/28/11 8:44am
Msg #381575

No way I'd have sat there...

for three hours of MY time; you have to take control of the signing. Tell her you have allotted a certain amount of time for her, and you have other appointments to see.

Assuming a refi, emphasize that she has three days to go through the package at her leisure and get any questions answered by her LO; if she's not happy, that's what the RTC is for.

Reply by Retsing on 4/28/11 9:32am
Msg #381580

Re: No way I'd have sat there...

I tried tactfully to speed the process up but she wouldn't move any faster. Her poor cat sat inside making noises cuz it was hungry after being alone all day. It was a refi but for an investment property so no RTC. Another lesson learned. I had one about 2 years ago on a Friday night with a female attorney that took 2 hours with many calls to her lender and I thought that was unreal. In both cases, nothing was changed on the documents.

Reply by jnew on 4/28/11 9:45am
Msg #381582

Re: No way I'd have sat there...

with reference to the female attorney we had the same experience at a sale with a male attorney. He read the entire mortgage paragraph by paragraph to the client and explained what each paragraph entailed. The realtors were rolling their eyes. We figured that the attorney was being paid by the hour. Always hire an attorney for a closing on a set fee. I guarantee he/she won't even look at the mortgage.

Reply by Dorothy_MI on 4/28/11 9:07am
Msg #381577

Can't believe some of the stuff people read

Had one about 10 days ago. She signed the HUD, the TIL, the Note and the Mortgage on just the one or two sentence description I gave her. We got the the Affiliated Business Arrangement Disclosure and she had to read every word and question me about what it said. Probably the least important document in the whole stack and it's the one she choose to get picky about.