Posted by LatteLady/NV on 12/20/12 8:17pm
Msg #447308

Some Spanish would be helpful

Would someone who is fluent in Spanish be kind enough to write out some mortgage terms in Spanish. For example: Deed of Trust, Note, Right to Cancel etc. I have squeaked by in the past. Saying sign here etc. I took Spanish in high school but that was a very long time ago. My accent is good so I could pull it off, but it would be nice to be able to say some of the names of the documents in Spanish. Any helpers? Rude comments can be put aside please.

Reply by Linda_H/FL on 12/20/12 8:31pm
Msg #447312

Why not google the terms or search for a translating

website/program...

Reply by NVLSlady/VA on 12/20/12 8:35pm
Msg #447313

I know, after 4 years of Espanol in H.S. you'd think I'd be much better at it (Not); Senora Nejfelt would be so "not-pleased"!

Try the fanniemae literature site (freddie, too); they have lots of good consumer guides in Spanish.

(I live in a large spanish-speaking community and carry my dictionary in my bag. Yo nessisito practicar mas . . . )

Reply by NVLSlady/VA on 12/20/12 8:44pm
Msg #447315

Re: Some Spanish would be helpful - if not Essential

and btw, most of my neighbors are bilingual - so they've got a "jump" on most of us


An aside . . . can't believe I have to lecture my nieces about the value of more than one language in today's society. I urged them to apply themselves since they'll be well-sought out. One of my nieces even speaks fluent French (was immersed in school program when younger) and obstinately REFUSES to use her talent around us. Waits to converse around her friends. Teenagers!!

Reply by MistarellaFL on 12/20/12 8:49pm
Msg #447317

Speaking of google AND translate:

http://translate.google.com/

A wonderful lil tool at your fingertips.

Reply by Shoshana/AZ on 12/20/12 9:32pm
Msg #447323

Not fluent but...

escriba su nombre aqui por favor means write your name here please.

Reply by Jessica Ward on 12/20/12 10:29pm
Msg #447327

Did you check your state manual?

I don't know about your state, but in WA, we're even prohibited from working through translators! The notary must be able to DIRECTLY communicate with the borrower. I've had to walk away from many a-signing due to this.

I've always wondered, how are we supposed to establish fluency? I often meet borrowers who have English as a second language, and I "screen" them in the same way that I "screen" people who I suspect of having dementia... "what's your birth date" (as I look at ID) and "can you state your current address?" and "we'll be dating for today's date... is today the 19th or the 20th?"

I honestly don't know if this is sufficient screening, but it seems to give me enough info to know if someone has any idea of A: what I'm saying. and B: what is really happening today. Just food for though--I was surprised to learn that we couldn't work through translators here in WA.

I really worry about how people who speak an obscure language like Nuer (I have several friends who speak Nuer, and I speak a little--but not nearly enough to close a loan). How are they every supposed to find a Nuer-speaking notary? I guarantee you that the Yellow pages doesn't have one.

Reply by HisHughness on 12/20/12 11:08pm
Msg #447330

Mi espanol es muy limitado, pero ...

Loan Officer...................El Pissant

Signing service...............El Dinero Snatchero

SOX..............................SOBs (this is the same in any language)

Note..............................Los muchos anos para muchos dineros

Deed.............................La casa para el banco

Driver's license...............El documento para Chevette de 1978

Reply by JanetK_CA on 12/20/12 11:35pm
Msg #447332

Knowing the mortgage terms may not help you a whole lot (putting aside for the moment the use of a translator), as I've found that some Spanish-only speakers don't know the terms in Spanish, either. This, of course, will depend on their education level, but I think it's much more important to be able to converse with them directly than to be able to recite a few translated technical terms. And when it comes to the notarization of their signatures, be sure to check your state laws. In CA, the use of a translator is prohibited and you MUST be able to communicate directly with a person before you can notarize their signature.

FWIW, after 8 years of studying Spanish in school, I could barely string a sentence together. Before my 9th year (my junior year in college), I fell into an opportunity to study for a year at the University of Madrid with classes all in Spanish. By the time I came home, I was dreaming in Spanish. So I'm a big believer in immersion programs for anyone serious about learning a 2nd language. And some of those programs that we hear advertised all the time may work pretty well, too, for someone who is really serious about becoming bilingual. (Pretty pricey, though, I think.)

Reply by HisHughness on 12/20/12 11:45pm
Msg #447333

I was a single parent.

The one decision I know beyond any doubt that I made as a single parent was to tell my daughter that she would NOT quit Spanish after she had satisfied the two-year college requirement. She went on, she is relatively fluent today, and as an ER nurse, it has been invaluable to her.

We probably should not talk about other parental decisions, such as the boyfriend, the busted 11 p.m. deadline, the death threats, and such.

Reply by JanetK_CA on 12/20/12 11:58pm
Msg #447336

LOL!! OK, I won't ask about any of the rest of it. But I agree wholeheartedly that your decision to have your daughter continue with Spanish study was a good one. Becoming fluent in Spanish is probably near the top of the most gratifying accomplishments of my life. And like your daughter, it has been invaluable to me.

Reply by rodman on 12/21/12 2:46pm
Msg #447402

This may be helpful (or not):
English Spanish
Note Pagaré
Deed of Trust Escritura de Propiedad
Loan Préstamo
Mortgage Hipoteca
Principal Monto principal
Terms Términos
Taxes Impuestos
Title Título
Insurance Seguro
Address Dirección
Borrower Prestatario
Closing Costs Costos de Cierre
Interest Interés

Reply by Patricia/VT on 12/21/12 3:37pm
Msg #447408

When I worked in California, I brushed up on my Spanish by taking a Spanish conversation class at the local community college. Then I bought WILEY'S ENGLISH-SPANISH/SPANISH - ENGLISH BUSINESS DICTIONARY and made myself a list of terms common to loan signings.