Posted by ME/NJ on 5/5/12 6:25pm
Msg #420034

Crazy Thursday and Friday night

Mostly Thursday, half of my deals canceled or I had to give back. Had 8am deal and 9:30am. My 9:30 deal I had asked the TC for doc's the day before and said had a full plate and needed them by 8pm. I had called sent emails all day and stated I would be on the road at 7am Thursday.

Thursday 9am I get the call doc's ready. I said did you not get my emails and telephone message's I am already on the road all day. Oh we had tech issues.. sorry.

Friday too bad, company called already booked. I walk in 9:10pm and get another call from them can you do this, sorry just walked in need to finish up. Documents must of been running late this was scheduled for 7pm in my town and the notary must of handed it back. I was just beat to go back out.

Reply by GOLDGIRL/CA on 5/5/12 10:29pm
Msg #420054

Speaking of crazy ...

Were all these for the new, low fees you have been continuously urging us notaries to accept in the face of a changing world out there?

BTW, didn't a previous poster ask you to stop your useless "Dear Diary" posts, chronicling your every move throughout your signing day? Sounded like a good suggestion ... and still is.

Reply by Shoshana/AZ on 5/6/12 12:19am
Msg #420058

Who cares?

Only you.

Reply by BrendaTx on 5/6/12 1:16pm
Msg #420072

When a regular poster's postings bother me, I don't read

them. If it is a problem-maker, self-promoter, or advertiser, which ME is certainly not, I usually hit the report button. I'm trying to reserve my snarkiness for the future...in case I need it.

Reply by LindaD/NJ on 5/6/12 9:39am
Msg #420061

He can post whatever he wants to. You don't have to read it n/m

Reply by 101livescan on 5/6/12 9:53am
Msg #420062

Late docs, haranging over closing costs on HUD between LO and borrower, impounds/no impounds. GFE disclosure typically being matched with final HUD, so this last piece typically delays doc delivery to notary. I can never predict what any day will be like. Got to a signing, borrower purchased home with Father 10 years ago to qualify for loan. Now she's married, husband to sign Interspousal Grant Deed. He doesn't have good credit or steady income, so he can't be on the loan. Refused to sign Interspousal, so no deal. Loan on hold. How come the LO didn't know this months ago?

Amazing what can happen during the course of a loan signing day! One thing we know for sure, the sky and the turf are constantly changing.

Reply by GOLDGIRL/CA on 5/6/12 4:22pm
Msg #420090

Interesting stuff, 101 ....

I've run across several similar situations over the years, but not being an expert on CA community property law - or even close - they always perplexed me. In your case, however, if the wife bought the home when she was single with dad, and now she wants to refi .... I guess vesting would have to be changed to Mary Smith, a married woman, sole and separate, who took title as Mary Jones, a single woman. Which would seem to imply hubby would have to sign the interspousal ...? I guess she should have had a prenup if she didn't want him to ever have any ownership in the house. By the way, the person who should be signing off on this would be dad - or is he still an owner? Also, it's common lender practice here to have the spouse with the bad credit/no earnings sign an interspousal for purposes of the other spouse getting the loan and then sign another interspousal after funding to get put back on title ... but he never was on title, right? Anway, I can't count the times that a spouse was supposedly on board with signing an interspousal - even a quit claim - and then when I get there and they understand exactly what they are doing (no thanks to the LO) they say Heck No! Interesting vesting issue, 101. Thanks for posting.

And BTW, this is to LindaD/NJ: I didn't see you jumping on the free speech bandwagon when ME/NJ posted Message #418158 followed by many responses to save his drivel unless he had something meaningful to say ...

Reply by LindaD/NJ on 5/6/12 9:31pm
Msg #420112

I was probably working Goldgirl n/m

Reply by Susan Fischer on 5/6/12 8:16pm
Msg #420108

Brava, Cheryl! The work-a-day in NotaryLand: 'As the Stamp

Inks.'

'General NotaryWorks' is on the drawing board...