Posted by JimAZ on 2/12/11 6:25pm
Msg #372573
Reverse Mortgage
I arrived at the loan application signing and as I expected, the borrower (frail & feeble) did not have a current photo ID. She gave me an expired DL and I explained to her we would need a current photo ID to complete the loan in the future. I took a picture of the expired ID with my camera/phone. The LO advised me they could start the application with the expired ID. Problem is, the quality of the camera/phone picture isn't very clear. My question is,,,, Does anyone use a portable scanner for this situation and how is it's quality? I hate submitting poor quality ID's even though I told the borrower what I needed when I confirmed the appointment. Any input will be appreciated.
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Reply by Linda_H/FL on 2/12/11 6:31pm
Msg #372575
I've been thinking about you - wondering how it went
Was wondering if you made your tee time...
I have an HP F380 that I carried until it decided to no longer work for me - cost me $80 and I did get my money's worth out of it...haven't fixed it yet so right now I don't have anything to accommodate those copies but boy do I miss it.
Many times, the LO will get together with a family member and have the family member send in the things required to complete the underwriting process. Just send in what you have - at least you tried..
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Reply by JimAZ on 2/12/11 6:55pm
Msg #372579
Re: I've been thinking about you - wondering how it went
Thanks Linda. Yes, I made my tee time and it was diffucult. More challenging than golf. I saw a scanner at OfficeDepot today and think I will go back tomorrow to possibly buy it. $99 bucks. This situation happens to me about 4 times a month even after I tell the borrower what I need.
Sad thing here is she has no family. When we got to the page to list contacts she said she has none. We ended up listing her care giver and a neighbor.
I have a 92 yo mother in law in assisted care, but we still get 2-3 calls a day with problems. So I'm experienced and will get through this.
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Reply by Linda_H/FL on 2/12/11 6:59pm
Msg #372581
Awww....it always breaks my heart when they tell me
they don't have anyone...so sad...
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Reply by John Tennant on 2/12/11 6:32pm
Msg #372576
Portable Scanner
Yes Jim, I use a VuPoint PDS-ST410 that I got from Bed, Bath, and Beyond for $99.00. Had a $20.00 off coupon at the time so only paid $79.00. It works great. Got the info on it from a post on NotRot months ago.
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Reply by JimAZ on 2/12/11 6:57pm
Msg #372580
Re: Portable Scanner
Thanks John. I think I will buy one.
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Reply by LynnNC on 2/13/11 4:03pm
Msg #372635
Re: Portable Scanner
Seems like an odd item to have at Bed, Bath, and Beyond! I need to start saving their coupons as they will even take them when they are expired.
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Reply by MW/VA on 2/12/11 6:35pm
Msg #372577
I carry an all-in-one in the back of my car to use to make
copies of ID. You'd be amazed how many times I've needed it. Also, I know that some are using the VuPoint wand scanner. I've never been comfortable taking a pic of people's ID. I had a cc compromised by a clerk that was taking pix of people's cc's with their phone. I like to make the borrowers comfortable by letting them see me copy their ID in front of them. Not a requirement, but it's good for customer service.
As far as your client is concerned, it's been discussed several times about some states being able to go to people's homes to do their state ID.
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Reply by Linda Juenger on 2/12/11 7:07pm
Msg #372584
Re: I carry an all-in-one in the back of my car to use to make
I love my vupoint scanner. I also have my digital camera in my car at all times for work and pleasure.
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Reply by James Blough on 2/12/11 7:14pm
Msg #372585
Re: I carry an all-in-one in the back of my car to use to make
Thanks Marilynn. I'm going to buy a portable scanner tomorrow. This happens to me about 3-4 times a month even though I tell the borrower what I need during the confirmation call. The back of my car has golf clubs, so a portable scanner is more practical.
I'm not sure how Arizona works with regard to obtaining photo ID's, but I advised her care giver to contact MVD to find out.
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Reply by JimAZ on 2/12/11 7:37pm
Msg #372587
Re: I carry an all-in-one in the back of my car to use to make
Sorry,,,last post was from me. Can't seem to get rid of full name author
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Reply by Frank/NC on 2/12/11 8:59pm
Msg #372588
Re: I carry an all-in-one in the back of my car to use to make
I carry a small digital camera in my bag. Can't tell you how many times it has saved the day when I got to the borrower's house and asked if they made copies of their ID and they look at you with a blank stare and say, Oh my, I forgot to and the copier either doesn't work, out of ink or out of paper.
For about $100 it save all sort of time and aggravation.
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Reply by parkerc/ME on 2/13/11 6:48am
Msg #372603
Me too - I keep a camera in my purse for forgotten ID copies n/m
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Reply by LKT/CA on 2/12/11 9:38pm
Msg #372591
Me too, MW/VA
I also carry a lightweight all-in-one in my car for signings. It cost $40 and has more than paid for itself. Not only has it saved the day when the borrowers didn't make the requested photocopies, but it has also been a great customer service tool. When the borrower is concerned about giving up originals of a particular document (and they have no other copy on hand) I can make extra copies for them of that original on the spot - and they are happy campers.
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Reply by MW/VA on 2/13/11 2:49pm
Msg #372623
Ditto. That way I have the ID copy in hand & don't have to
wait to download & print before shipping docs.
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Reply by LynnNC on 2/13/11 4:05pm
Msg #372636
"some states being able to go to people's homes...
...to do their state ID."
All states should do that for those that are disabled and in nursing homes.
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Reply by LynnNC on 2/13/11 3:04pm
Msg #372626
How will the loan close without her having current photo ID? n/m
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