Posted by Amber TRIPLE A SERVICES LLC on 6/7/13 8:58pm Msg #472593
IDENTIFICATION VS LOAN DOCS...
What would you do... Borrower didnt have any other type of documentation to reflect either of the E's as all their credit cards shows Victoria Chapman.
Drivers License shows: E Victoria Chapman Loan Docs shows: Emily Victoria Chapman
| Reply by Lee/AR on 6/7/13 9:03pm Msg #472595
Birth cert. would work here. n/m
| Reply by Amber TRIPLE A SERVICES LLC on 6/7/13 9:42pm Msg #472600
Re: Birth cert. would work here.
Understand that a birth certificate but it was not available at that time.
| Reply by Jack/AL on 6/7/13 10:44pm Msg #472607
We hope you're not using her real name., a big no-no........ n/m
| Reply by LKT/CA on 6/7/13 10:52pm Msg #472611
My thoughts exactly, Jack/AL
Name OP used seems too "real".......should have used Jane Doe, Jane Jones, Jane Smith, Mary Smith or another semi, quasi, fictitious sorta name.
| Reply by Luckydog on 6/7/13 10:49pm Msg #472610
In Florida, this is very common because the Latin and Hispanic people frequently switch around their names, shorten them because they use mother's and father's surnames and the mother's name is last, even grandparents stuck in there , but here in the USA it is reversed; father's name is last. You just have to make sure there is a signature name affidavit and and aka in the package. I would try and find something with the Emily on it, insurance card or something, or a written notice from a witness who can testify that she is Emily and have them sign it...but it probably is your discretion on what you want to do.
| Reply by JanetK_CA on 6/8/13 12:30am Msg #472626
"In Florida, this is very common because the Latin and Hispanic people frequently switch around their names, shorten them because they use mother's and father's surnames and the mother's name is last"
Sort of, but I've never seen that affect the first name. Typically, I believe a person's given name is followed by the father's surname, then the mother's surname. The surname they will pass on to their kids is the father's, so their mother's (the last one) get's dropped (but not always) with their children. That's not quite the same thing as getting switched around, IMO. And, again, it has no influence on the first name. I think that's a whole other issue.
In the case mentioned by the OP, I would want to see something else somewhat official with the full first name on it, as well, but I might have a problem with this one, depending on the circumstances... The presence of a Sig/Name Aff would be irrelevant as to whether or not I would find the ID acceptable - and I don't think it would be my place to insert one. I believe that would be UPL in my state.
| Reply by pdl/cali on 6/8/13 1:11am Msg #472628
Maybe have a Grant Deed Drawn up, with the name on the borrowers ID.
| Reply by Linda_H/FL on 6/8/13 8:53am Msg #472633
"You just have to make sure there is a signature name affidavit and and aka in the package. I would try and find something with the Emily on it, insurance card or something, or a written notice from a witness who can testify that she is Emily and have them sign it"
Signature Name Affidavit and AKA Affidvait have NOTHING to do with the notary, and the None of this is allowed in Florida, - CW's can't be used because she has current valid ID. Luckydog, you really need to review the manual.
JMO
| Reply by ReneeK_MI on 6/8/13 10:47am Msg #472641
Nowhere in the AZ notarial statutes does it require that the name printed on ID be an identical match to the name used on the document to be notarized. (Same as MI, same as CA for that matter, have yet to find a state that does stipulate such a match, FWIW.)
I'd have no issue notarizing the person as "Emily Victoria Chapman", IF:
* The photo and physical description on the ID matched the person in front of me * The signature on the ID and the signature on the document looked to me to be made by the same person * The birth date and address on the ID matched the loan documents * I had no reason to suspect that the person in front of me was attempting to fraudulently represent another person
I would also add the variant "E Victoria Chapman" to her Signature/Name Affidavit, NOT for my own purposes but for the lender's purposes.
| Reply by VT_Syrup on 6/8/13 2:22pm Msg #472653
I think ReneeK's mention of the address on the license matching the docs. If the signer has physical access to the house, that's a point in her favor. She might also have duplicate checks showing she's been making the mortgage payments, or a bank statement showing deductions that match the payment amount on the old mortgage.
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