Posted by ikando on 11/21/12 2:02pm
Msg #444292

Duplex printing BO copy

It seems I've seen comments about printing the borrower copy in duplex mode, but I'm not sure I've seen anything that tells me what you do if they mess up one page in the lender copy.

I'd like to start duplexing to save paper, but am unsure if it will mess up the package for the lender or title. Anyone with experience?

Reply by ToniK on 11/21/12 2:14pm
Msg #444293

I do that for BO copy. I just make sure we dont screw up the lender copy. Havent had that happen as yet.

Reply by Marian_in_CA on 11/21/12 2:56pm
Msg #444304

I don't do this. I would like to because yes, it saves paper. BUt, in the long run it makes us look less prossional, IMO. If you're charging enough of a printing fee, it should cover prnting two entire packages. If you duplex one of the copies without adjusting your print fee, it seems dishonest. You're not just trying to save paper, but you're trying to maximize your profits. The borrower should get an exact copy of what they signed.

As a borrower, if I saw that I was signing one set and then handed a smaller set that was duplexed, I'd be pretty ticked off. What if I needed to scan or fax copies of those documents on to somewhere else? IF they've been duplexed, I now need to go to the trouble of dealing with 2-sided documents, all th while irritated that the ones I signed where *not* 2-sided. You darn well better beleive that my loan officer would hear about it.

Now, as a borrower, I would, personally, prefer an electronic copy of the documents... but that's just me. Everyone is different that way.

But finally... what *if* a mistake is made? You can hope and try hard to be sure something doesn't happen, but things do happen anyway... and then what do you do?

Best bet... 2 exact copies... I know some borrowers might appreciate the reduced use of paper for conservation reasons, but that's an issue they should bring up with their lender, not you. You're being paid to print two full copies. Print them.

Reply by Calnotary on 11/21/12 3:31pm
Msg #444309

I only duplex BOA lender's instructions, but have you seen when you get docs overnighted from title and the borrower's copy is always smaller? So they want to save paper too.

Reply by Deborah Breedlove on 11/21/12 3:33pm
Msg #444310

TRG duplexes

When TRG overnights the docs to the borrowers, they are usually printed on both sides of the page. It's both the lender's copy and the borrower's copy. I don't know if they do it to save paper or to reduce shipping costs, but it's sure nice to see someone doing it!

Reply by ToniK on 11/21/12 7:54pm
Msg #444329

Most of my BO actually prefer double sided as they dont want a huge stack of papers. Only document I get errors on is the RTC. And lately majority of my BO's on confirmation call tell me they want signed copies and not blank copies.

Reply by Jennifer Jackson on 11/23/12 3:12am
Msg #444401

A lot of the borrowers I encounter, usually toss the paperwork to the side when we are done. They are still getting an EXACT copy of what they signed, it is just double sided. Same information.

Reply by MikeC/TX on 11/21/12 4:44pm
Msg #444317

If you're duplexing the BO copy and they mess up a page in the lender's copy, you may have a problem unless you have a portable copier (or a laptop and printer so you can reprint the necessary page). The lender is probably not going to be happy getting back a duplexed page. Plus you have the issue where your BO is now missing a page from their package.

Even if you've never in your entire career had a signing where you had to pull a fresh copy of a page from the BO package, Murphy's Law tells us that you will at some point once you start duplexing....

I agree with Marian - give them an exact copy of what they're signing. The paper you save may not be worth the agita you get if something goes wrong.

Reply by Linda Juenger on 11/21/12 7:08pm
Msg #444325

I agree Mike. It's just not worth saving the extra paper. Just like making copies on CD's. You have nothing to use if something should go wrong and you need to pull from borrowers copies. It doesn't happen often at all, but it does from time to time. I had a lady who honestly could not sign her own name correctly. We used 3 copies from their pkg.

Reply by Joan Bergstrom on 11/21/12 11:46pm
Msg #444342

Duplex BO copy is a very bad idea

When I started in 2002 the companies printed all the docs and FedEx or UPS us both
copies and they would try to save on print cost.

many only printed 1/3 of the docs (the critical docs) for the BO copies.

I spent many a day comparing page by page on the BO table comparing what was missing
on the docs to be signed and what was missing in his/her copy?

I almost immediately copied the entire package and gave it to the BO and this problem stop.

The best thing you can say to the signer(s) is " you have a copy of everything you are signing
and the docs are in the same order."
I've done over 6,000 signing and I think think is very good advise.

Reply by sealed/CA on 11/22/12 12:44am
Msg #444348

I agree Joan

The best thing you can say to the signer(s) is " you have a copy of everything you are signing
and the docs are in the same order."

I actually say the same thing and they are delighted. It's helpful too when you need to exchange a copy from the BO's pkg.

Reply by Gregory/CA on 11/22/12 1:41pm
Msg #444373

Ditto. I am with Joan and Sealed/CA n/m

Reply by JanetK_CA on 11/24/12 4:07am
Msg #444480

Gee, something must be the matter with the people in my area... I hardly ever get through an entire signing without at least one person making some kind of mess up on something - even though I go over the protocol with the borrowers in the beginning. [I never call it that, BTW.] Maybe I'm just fussy, but someone nearly always screws up a date or forgets an initial, or starts to put a date where there shouldn't be one, etc., etc. I hate it when I don't have a full set for the borrowers. I also agree with Joan about being able to tell them that I printed everything twice, so they have a copy of everything we are going over. That makes a big difference to lots of people.

Reply by Jennifer Jackson on 11/23/12 3:10am
Msg #444400

I do it for all BO docs except if it is a Provident loan because of mistakes that can happen. Most other lenders take cross outs and initials so....

Reply by Linda_H/FL on 11/23/12 8:58am
Msg #444406

I disagree

"Most other lenders take cross outs and initials so...."

If a signer messes up on their signature (which DOES happen), lenders really don't want to see that crossed out and initialed...they may accept a corrected date, but clean copies are the better, more acceptable way to go.

I think duplexing borrower's copies removes one layer of protection the NSA has - you're automatically limiting yourself to ONE set of docs and if that gets messed up you have no safety net.

JMO

Reply by LKT/CA on 11/23/12 2:40pm
Msg #444444

I agree with Linda n/m