Posted by Linda_in_MI on 11/21/11 7:21am
Msg #404585

Signing with conflicting instructions

What do you do when the instructions from the signing service conflict with the directions from the lender that are enclosed with the docs?

The opportunity came up for a notarization about 3 miles from my house. Never worked with the signing service before, so have no point of reference. There were mixed comments in SC, and because this was so close I thought I would give it a try.

The problem? After downloading the docs, the directions enclosed from the lender are in conflict with and contradict what the signing service is saying in emails specific to the signing. For example, SS is saying only one POA while lender's paperwork is saying two originals are needed. I'm planning a phone call to ss shortly to see what they say about this.

Reply by MistarellaFL on 11/21/11 7:32am
Msg #404586

I always call or email for clarification

If I couldn't get a response in a timely manner, I would use lender's instructions.

Reply by Linda_in_MI on 11/21/11 9:25am
Msg #404591

got my answer - go with Lender

Well, according to the singing service, the lender instructions trump their instructions. So, if I take another one from this vendor the next time I'll know. But I'm still deciding if my time from other more lucrative assignments, very short distance to travel, and the work involved, are worth it.

Reply by Les_CO on 11/21/11 9:41am
Msg #404596

I know that some here have been or now are escrow officers, and are familiar with the ‘instructions from the lender to title’ but many are not.

I say go with what the SS has instructed you to do. They hired you, they should have had the last/most current word from Title. If the SS is wrong, they can pay you for a second trip to fix the error.

There are some lenders that throw in the lending instructions and the broker docs bloating the package by 30-40 extra pages. And some of these morons want US to read through these pages to see where in page 6 the borrower ’really’ does not have to come up with a check at signing, that this is be handled on the back end. Personally I don’t do it…not my job. I get the docs signed as sent to me (sometimes if there is only one RTC I do make extra copies) If the borrower has a check I take it, if not I say work it out with your LO. I’m tired of doing someone else’s job. I’m there to witness the signatures get the necessary docs signed, and the package returned. Fax backs /running errands/reprinting a changed doc, or changing the docs themselves is not my job. I will do fax-backs because so many lenders are now requiring it (thanks NNA) but I charge for it. JMO