Posted by Tiffany Harms on 10/15/12 6:20pm
Msg #438668

Out of state docs

I just received loan docs but the documents states state WI
And county Sauk. Signing is taking place in CA in LA county do I just cross it out and replace with CA and LA county.
Please advise

Thank you

Reply by JPH13/MO on 10/15/12 6:21pm
Msg #438669

Put a single line thru each and change to the correct state and the correct county. Most will say to initial these changes, which I do, but some will say you don't need to initial them.

Reply by dgd/CA on 10/15/12 6:35pm
Msg #438670

Re: Out of state docs...agree... however

don't forget to read any Lender/Title Instructions, keep your handbook handy. Congratulations... I wish you great success in this signing :-)

Reply by John Tennant on 10/15/12 6:42pm
Msg #438671

And do not forget the correct notarial wording. If those docs are not CA compliant, you will need to attach a loose cert with the correct wording.

Reply by dgd/CA on 10/15/12 6:43pm
Msg #438673

Re: Out of state docs.. Where is the like button. lol n/m

Reply by Linda_H/FL on 10/15/12 6:50pm
Msg #438674

"If those docs are not CA compliant, you will need to attach a loose cert with the correct wording"

Which brings up another whole issue of added recording fees.

Make sure you absolutely, positively cannot use the cert provided and,i fyou can't, let SS/title know you're going to be adding your own cert so they can account for the additional recording fees on the recordable docs. Nothing irks title companies more than unexpectedly going out of pocket on recording fees - fees they can't get back.

Reply by Marian_in_CA on 10/15/12 7:11pm
Msg #438677

"Make sure you absolutely, positively cannot use the cert provided..."

The vast majority of the time... we can't. By CA law we MUST use CA compliant certificates all the time *unless* the supplied wording for a certificate of acknowledgment is required for filing *and* does not require us to certify anything we are not allowed to do under California law. That is a very limited set of circumstances. A lot of notaries think that means, "Well, if it's going out of state, I'll just use whatever they give me because it's not required to use CA wording. That's wrong. In fact, it's just the opposite!

And, as noted here many times, what state will not accept a properly executed notarial certificate from another state? If the title or escrow company is going to get uppity about the extra money over recording fees, then they should have done a little bit of sue diligence and paid attention to the face that a signing was being done in California first. It's not exactly some hidden secret the CA has strict wording.

Reply by Linda_H/FL on 10/15/12 7:22pm
Msg #438679

I hear what you're saying Marian, but it is what it is

with the thousands of deals they have going you know companies don't bother with that stuff - what they DO bother with is coming up short on reconciling the funds after the fact - and added recording fees can cause problems (had a well-knowncompany vent to me about that - "you have NO idea how many packages we get back with extra pages added")....

It's a fact - it's extra recording fees - and that's why I said let title know she's doing it so they have a heads up. Cuz if she doesn't, and she catches a title person having a bad day, guess whose pocket those extra fees are going to come out of??

Reply by Marian_in_CA on 10/15/12 7:24pm
Msg #438681

Re: I hear what you're saying Marian, but it is what it is

Yeah... I get that. Which is hilarious, because it is so easily avoidable.

Reply by jba/fl on 10/15/12 7:29pm
Msg #438685

Doesn't CA sign w/estimated HUD? Final after all said/done? n/m

Reply by dgd/CA on 10/15/12 7:29pm
Msg #438686

Indeed :-) n/m

Reply by LKT/CA on 10/15/12 9:07pm
Msg #438708

Re: I hear what you're saying Marian, but it is what it is n/m

Reply by LKT/CA on 10/15/12 9:28pm
Msg #438709

Exactly, Marian

You're so right....it IS hilarious because it's easily avoidable. CA compliant jurat/ack wording is available 24/7 at the SOS website. So for a TC to continue including non-compliant cert wording on their docs, then have the unmitigated gall to whine about additional recording fees because of loose certs added, then it's their own darn fault. No notary should be burdened with calling TCs to inform them they're notarizing per their state's notary laws. JMHO

Reply by dickb/wi on 10/15/12 7:33pm
Msg #438687

not in wi...rec fees are $30..1 page or 30 pages..flat rat..

also wi will accept what ever ack or jurat you use.....

Reply by Linda_H/FL on 10/15/12 7:34pm
Msg #438688

CT and I believe FL are per page...XX amount for first page

then X for every page after that; also, legal size is more expensive than letter size.

Reply by BrendaTx on 10/15/12 7:46pm
Msg #438694

Same for Texas. n/m

Reply by dickb/wi on 10/15/12 7:35pm
Msg #438689

almost forgot...USE BLACK INK..a must 4 recording... n/m

Reply by Linda_H/FL on 10/15/12 7:41pm
Msg #438692

State-specific Dick... n/m

Reply by BrendaTx on 10/15/12 7:47pm
Msg #438695

But, it is state specific. It is in Wisconsin. n/m

Reply by Linda_H/FL on 10/15/12 7:51pm
Msg #438698

Re: But, it is state specific. It is in Wisconsin...is it? n/m

Reply by Tiffany Harms on 10/15/12 8:48pm
Msg #438707

Re: I hear what you're saying Marian, but it is what it is

Thank you so much everyone. Have a great evening.

Reply by JanetK_CA on 10/16/12 12:15am
Msg #438715

Escrow companies in CA frequently include a "refundable pad" to cover contingencies like recording fees for extra pages, courier fees, etc. on the estimated HUD borrowers usually get at the signing. They settle that out with the final HUD and disburse back to the borrowers whatever is left.

Reply by dgd/CA on 10/16/12 9:31am
Msg #438725

Re: Out of state docs... Tiffany, how'd you're signing go?

Sometimes it's good to hear about the "result." Hoping it was a positive experience