<<<Had a closing this late morning and the lender had shipped all the docs to the borrower and when I got there they told me it would go fast as they already had signed everything before I got there including the ID Affidavits ...>>>
Typically at my signings, the borrowers are reviewing the HUD while I enter their ID info in my journal. In this case, I'd ID them and then review the docs page by page to ensure all signatures and initials were present. I would ask the borrowers to verbally acknowledge that the signatures are indeed theirs and for affidavits or other docs requiring a jurat, the borrower would re-sign those. I would also inform the borrowers that any pages removed from the overnight shipment that have not been signed and returned could possibly delay funding of their loan.
If their ID was expired and not issued within 5 years, per CA SOS rules and borrowers had no other gov't issued SOS acceptable ID, that would stop the appt with a call to the hiring entity. The lender or TC can choose to accept expired ID but they do not dictate my duties as I am accountable to the CA SOS for the office I hold.
There is no debate or argument with TCs, lenders, loan officers or anyone - I inform them of what IS and there's an inflection in my tone that tells them I'm not interested in their feedback or opinion of what IS when it comes to notarial law. The CA SOS dictates the rule and that's that.
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