Posted by BoomerSooner on 3/3/13 8:52am
Msg #458985

Split Closing question

Good morning;

I did a search and found a little info, I am Notary number 1 in a split closing, and the wife is in another state.

Based on what I have found, I will have husband sign, I will single line and initial the wife’s name, then notarize?

Thank you

Reply by MonicaFL on 3/3/13 8:56am
Msg #458986

Yes - this shows you only id'd the husband. The next notary should add their own jurat or ack with the other signer's name on it.

Reply by Shoshana/AZ on 3/3/13 9:00am
Msg #458987

IMO it's really best if you attach the loose cert for your signer. Let the other notary deal with the original cert for the document.

Reply by BoomerSooner on 3/3/13 9:12am
Msg #458989

How would it be difficult to line through up to 11 names and initial?

Reply by Shoshana/AZ on 3/3/13 10:36am
Msg #459008

It's not difficult. I never said that. It eliminates the possibility that the other notary will mess up what you have done. It's also courtesy to leave the cert for the other notary.

Reply by 101livescan on 3/3/13 9:11am
Msg #458988

Depends...is the property in the state you are signing in? Then use the provided notary ack/jurat for the signer in that state, but if in a different state, attach a loose cert/jurat. Of course, in CA we are to use CA jurat always, no matter what state the property is located in.

Savvy? It's cleaner.

Reply by BoomerSooner on 3/3/13 9:19am
Msg #458990

Last question,

Do I line through the signature line AND the name preprinted in the acknowledgment?

The property is in my state.

Thanks again

Reply by 101livescan on 3/3/13 9:21am
Msg #458991

Not the signature line. You're still going to sign you're notarizing the husband's signature on the DOT, right? Just line out the wife's name in the body of the ack.

Reply by Hew Moon on 3/3/13 9:33am
Msg #458992

That’s easy then, I leave her signature lines alone, just line through her name on the ackn.

I don’t need to touch the other docs with her name line, only my notarized docs?

Thanks

Reply by Linda_H/FL on 3/3/13 9:45am
Msg #458995

I would not only line through her name on the ack

but add the word "only" after the husband's name so her name can't be added back in later.

Reply by JerryhFL on 3/3/13 10:09am
Msg #459000

Re: I would not only line through her name on the ack

I make a copy of each notarial certificate document so the next notary has her/his copy. With my copy I then line thru the person I am not notarizing and then initial.

I do not line thru any signature line names.

Reply by Shoshana/AZ on 3/3/13 10:34am
Msg #459007

Re: I would not only line through her name on the ack

I was told not to add "only". It can be interpreted that "Only" is the last name. That is why I attach my loose cert. If it goes to a notary who doesn't know what they are doing, they could wreak all kinds of havoc.

Reply by Linda_H/FL on 3/3/13 12:08pm
Msg #459022

Re: I would not only line through her name on the ack

"It can be interpreted that "Only" is the last name"

That's ridiculous. That's what we used to do at the law firm for clarity. Could always put the "only" in parentheses I guess...for those dumber than rocks that can't figure it out..

Reply by ananotary on 3/3/13 12:23pm
Msg #459024

Re: I would not only line through her name on the ack

I was the 2nd notary on a split signing on Friday. The previous notary had lined through my signers signature line and had her borrower inital the strike through. My first thought was "WTH". It was a pain in the arse when it could have been very simple. She even printed out a second page of each and lined through her borrowers signature. Yikes!

Reply by Shoshana/AZ on 3/3/13 2:14pm
Msg #459030

Title told me not to write "only".

However, one could also just draw a line if there is any space left on that line to put another name.

Reply by Shan/CA on 3/3/13 2:02pm
Msg #459029

I was the second signer, and the property is in my state, CA., also the docs had my info preprinted. Well, the hubby who signed first was in MS., and the notary used all of the original docs instead of adding his own Acks, and Jurats.

Reply by JanetK_CA on 3/3/13 3:45pm
Msg #459036

A very common occurrence, but not a problem. Of course, in that situation, you simply add your own certificates with just the name of the person whose signature you notarize, i.e. the one that did "personally appear" before you. When dealing with a split signing, we run into a variety of circumstances, so we have to pay attention to details and use a little bit of judgment (mostly common sense) when deciding how to deal with it. We'll need to consider where the two parties will physically be when they sign, where the property is located, and where the provided certificates are most likely to be appropriate.

If I'm the first signer and the cert's are correct for my state but probably not for the 2nd party who may be traveling, then I'd go ahead and use them. If I'm signing the person who is traveling away from where the property is and the provided certs are more appropriate for the 2nd signer, then I'd leave them alone and add my own. If I'm the 2nd signer, then I just have to go with whatever is there and make it right as appropriate. It's not that complicated.

Reply by Paula/OR on 3/4/13 8:27am
Msg #459071

IMO who ever received the package 1st should either print or copy a duplicate acknowledgement page for each cert in the package.