Posted by bfnotary on 4/26/12 9:47am
Msg #418966

Ok, I have a dual tray question

I just turned my printer into a dual tray. My question is, after I print the documents, do you guys leave them in the same order they printed, or do you seperate the letter and legal size docs?

Reply by Lee/AR on 4/26/12 9:51am
Msg #418967

leave in print order n/m

Reply by bfnotary on 4/26/12 9:53am
Msg #418968

Re: leave in print order

thanks!!

Reply by Lee/AR on 4/26/12 11:25am
Msg #418981

meaning: wouldn't separate letter from legal

Arrange them to suit you? Sure. These packages get torn apart/reassembled/whatever upon receipt anyway, so make it easy on yourself & the B.
Often packages come as multiple attachments--so what is the 'order' anyway.

Reply by Jack/AL on 4/26/12 10:11am
Msg #418970

Depends. I've never thought of a reason to separate them (all legal together and all letter together). A small number of title company/signing service instructions say to leave them in the order received. Even so, if the HUD-1 is not already the first thing following my 1 to 10 pages of god-awful, repetitious instructions for the Notary Public, I move it to that position, followed by the instructions for sending funds to the borrower (if any a coming from the closing). Borrowers want to know right away just how much they're getting or paying, and to confirm that what the loan officer said was true. If there are many pages of lender instructions for the title company, which do not require action or even viewing by the borrowers, and I am not rushed to get to the signing location, I pull those and put them into the shipping envelope. Did that this week with a package of 146 pages. After I pulled the repeated Closing Instructions, Specific Closing Instructions, Final Closing Instructions, and a few checklists for the Settlement Agent, there were only 88 pages remaining to be viewed and/or signed/initialed by the borrower or myself! Also, when not rushed, I may put the critical stuff immediately following the HUD-1, such as the Note, Mortgage, TIL, etc., trying to get what seems like the most important done right away, before hitting them with the mundane and repetitious stuff. I suggest always viewing each page on screen, before printing, to get a good idea about whether the names and address are consistent, whether there are blank pages (which may or may not be intentional) and to find any printing instructions. One company in particular has a tendency to include pages of instructions at the beginning, but then inserts another page at around page 23 that tells what color ink should be used for signing. Yep, that color might be different than the color specified in earlier pages. Same company likes to insert printing instructions at about page 37! Go figure!

Reply by Karla/WA on 4/26/12 10:31am
Msg #418971

I agree with Jack. I always have the HUD, Note, deed and payment info in the front (unless specificallly instructed to keep them in the order received). If then, I'll take out the HUD and then explain to the BO that we will review in the order received. It may not make any sense, but I'm not going to spend the time to put them back in order to submit to title.

Reply by ikando on 4/26/12 10:33am
Msg #418973

Love it, Jack.

I've often wondered, isn't the title company which sends us the docs the entity which does the final settlement? Shouldn't they have all the closing instructions? Why, then, are they included in the package for the notary to print off? Are they used by the final closer, or just trashed?

Anyone here have a perspective?

Reply by enotary/va on 4/26/12 10:57am
Msg #418976

My bet the trash them. n/m

Reply by ToniK on 4/26/12 11:18am
Msg #418980

Lender sends the title company closing instructions

according to my contact at the Title company. I had asked something similar to this and his response was those docs are sent by Lender on how the title should calculate on the HUD statement and all title do is add their affidavits and docs which have their logos on them.

Reply by bfnotary on 4/26/12 10:44am
Msg #418974

I do that as well, as far as putting hud first on the list. Unless told to keep in order received. I like to get that one done first, just incase the borrowers have an issue with the figures. Then we can get any calls out of the way before we start the massive signing.

Reply by MW/VA on 4/26/12 1:16pm
Msg #419016

The whole purpose of a dual tray is that it will choose

the appropriate paper size according to the pdf file. I wouldn't separate by size, but I do take the time to always put docs in a signing order: HUD, Payment letter, Note, DOT, TIL, RTC's, etc., and title docs at the back. It makes for a very organized & smooth signing. I've never had any complaints or issues that I do it that way.
BTW, I started doing that a couple of years ago when a payment letter was half-way through the pkg. & the signing turned into a no-sign when the borrowers saw it. Now I make sure all #s are up front in the first few pages.

Reply by BBuchler/CA on 4/26/12 5:29pm
Msg #419033

Order of docs

I always rearrange the docs - HUD, TIL, note, dot, rtc, signature affadavits, loan app, etc.

If there is going to be a problem, its always with the HUD - happened just last night. The loan amount was different than the borrower thought, 3 different TIL statements, all different APR amounts, had to get the loan officer on the phone 3 times.

By the time they get thru signing all the "important" docs, they're just happy to get all the other "paperwork" signed and finished. I always put the instructions and non-signing docs at the back of the pile.

Reply by Clem/CA on 4/26/12 6:12pm
Msg #419038

Re: Order of docs

I like to put the Statement of Info last to go through the docs again when the Bo is filling it out