Posted by jba/fl on 5/26/11 11:27am
Msg #384391

Got an unusual request

Do the purchase signing, then record it. I told him I do not record and he said thank you and hung up.

I always thought recording was more of an attorney job; that there are final things to be aware of prior to recording. Hmmm - interesting.

Reply by FlaNotary2 on 5/26/11 11:30am
Msg #384393

You've never done recording?

Piece of cake. Walk into the courthouse, hand the clerk your documents, they scan them and hand them back to you. Very easy stuff... it doesn't take a law degree to do this.

Reply by bagger on 5/26/11 11:33am
Msg #384395

Re: You've never done recording?

But, there may be a charge.

Reply by Sylvia_FL on 5/26/11 11:35am
Msg #384396

Re: You've never done recording?

Yep - hand the clerk the documents after you have stood in line for an hour or so.

Not worth the time.

Reply by FlaNotary2 on 5/26/11 11:54am
Msg #384407

Is it really an hour wait where you live, Sylvia?

Here in Hillsborough there is no wait at all to record.

Reply by Sylvia_FL on 5/26/11 4:20pm
Msg #384459

Re: Is it really an hour wait where you live, Sylvia?

Sometimes when I performed a wedding as a courtesy I would take the certificate to the ccourthouse myself to have it recorded. The lines were often long and the wait was often around an hour. Busy courthouse!

Reply by Kevin/Ct on 5/26/11 12:51pm
Msg #384428

Re: You've never done recording?

WRONG!!!!

Unless you are prepared to update the title search from the pre-closing search you should not record. If there are intervening encumbrances since the last title search the mortgagee loses priority. If there is an intervening encumbrance to title it is customary not to record until the mortgagee has been informed. In most cases the recording will be postponed until the issue of priority is resolved between the mortgagee and the holder of the encumbrance.

The customary practice is to leave the recording to an abstractor or an attorney.

Reply by jba/fl on 5/26/11 1:11pm
Msg #384432

Thanks Kevin - I just couldn't remember exactly -

or put another way: a failure to retrieve the information. I'm so happy you replied.

Reply by Linda_H/FL on 5/26/11 3:40pm
Msg #384451

It's more involved when you're talking a mortgage

especially one that wants first lien position, the loan has been pending for months and the initial search was done 3 months ago (or more importantly, in the case of a purchase).

If done right, you don't just hand the docs over, or drop them in a basket, and leave. Don't need a law degree but there's more to it than just that...IF it's to be done right.

Reply by Linda_H/FL on 5/26/11 3:41pm
Msg #384452

Sorry, in wrong spot - was meant for Robert's post. n/m

Reply by Notarysigner on 5/26/11 11:36am
Msg #384398

Easy...with one exception here, the lines are sooo long at the courthouse because of the metal detection and scanning eq. you must pass through, on certain days you will stand in line for at least in hour.

Reply by C. Rivera Chicago Notary Services on 5/26/11 11:42am
Msg #384400

the problem with doing the recording is getting the fee to

pay for it upfront....I'd do it, if they sent me a check, and paid me extra $$ for the filing. Its not that bad here in Cook county to file...just a trip downtown...

Reply by jba/fl on 5/26/11 11:43am
Msg #384401

Offered $115 for signing in one city. Must travel to courthouse in another. Naw - no.

Anyway, isn't there something that has to be checked , liens, etc., prior to recording a sale? Making sure all is clear? I know when I worked at law firm that the runners did not perform this final service - always an associate went.

Doesn't matter - I don't want to do it. Price point wrong too.

Reply by FlaNotary2 on 5/26/11 11:56am
Msg #384409

>>>Anyway, isn't there something that has to be checked , liens, etc., prior to recording a sale? Making sure all is clear?<<<

I would think that is done before the borrowers even sign. They aren't asking you to do that... they just want you to take it to the courthouse.

And yes, they would need to give you money up front for the recording fees. In Florida it is $10 for the first page, $8.50 for each additional page. And this is per document, so in a loan signing you may have three or four docs to be recorded. You still have to pay a new $10 fee for each new document's first page.

Reply by laurel/nc on 5/26/11 12:05pm
Msg #384414

I do recording, but it is separate from the closings in that the law offices, lenders, whoever, sends me the docs with the appropriate checks with taxes, recording fees, etc. The deeds can't be recorded until the funding takes place so it is a whole separate process from the closings. I charge a flat $50.00 for the first, then $15.00 for each additional they send for same day recording.

Reply by Moneyman/TX on 5/26/11 12:15pm
Msg #384416

Based on the charge to record alone, I'd say the fee offered was way too low.

Generally speaking, I would think the same thing that Jules thought, that someone would want to ensure everything was correct and verified on their end prior to recording.

Reply by CorpJen on 5/26/11 12:23pm
Msg #384419

Simply charge an extra $35 or so for recording.. we do them daily

Reply by Linda_H/FL on 5/26/11 3:16pm
Msg #384447

Do you do the bringdown too??

That's a whole different set of skills - and if you're not doing bringdowns then that, IMO, is playing with fire.

Read Kevin's post about intervening recordings -

Reply by MW/VA on 5/26/11 1:29pm
Msg #384433

I've been asked several times to record if it is a purchase.

I've also learned not to get involved with those. Here it is not a simple process, and the most we can do is drop it in a box at the respective local courthouses. The recording fees have to be attached & be exact or they reject it anyway. Way too much hassle. There are companies who specifically handle recordings. The few times I tried to accommodate it turned into a nightmare. No thanks.