Recently my husband and I refinanced. I have been a NSA for 2 years. I have taken many assignments from the Loan/title company we used for the refi and thought this would afford me an opportunity to observe a signing and perhaps learn something. What I learned was not what I expected.
I am the non-borrowing spouse, so she called my husband. On the VM she had asked for copies of our IDs, but did not request a call back.
I explained to my man that the L/T company does not require copies of ids.
When she called back (scolding my husband for not calling her) he told her to check her instructions on the ids.
At this point I looked up our NSA. She listed 9 years’ experience.
I thought; she must have been away from the file when she called (been there). This will be great. I will finally see a pro at work. I was really looking forward to our signing date. Little did I know how disappointed I would be.
She showed up in jeans and a skimpy t-shirt.
Exactly the outfit NNA uses as an example as what NOT to wear.
She presented a copy of the document for us "to review later".
The L/T company instructs us NOT to print 2. We have an electronic copy.
She told us the L/T company dated the signature line, but if they hadn't she would have.
Is That Allowed?
She had tags on her document. I liked that. I use those too, but then…
She flipped to the tags, without any explanation, took the tag off and pushed the signature page to us. She then had to lean across the table while telling us which document we were signing and point to where to sign. ??!!
She did not explain the RTC form, except to say “don’t sign here, it cancels it”. She did not mention our copies and technically did not give them to us (they are in the print she left).
She did look at the page as we slid it back, then placed it in the stack.
When the stack was complete, she slid it into the shipping envelope and sealed it.
Additionally, during the signing, she continually dropped her thin scarf off of her face, complained that she hated this mask mandate and told us we could remove ours if we wanted. My husband has COPD. We strictly follow CDC recommendations.
I engaged her in congeal notary chat. She stood there holding our ready to ship-sealed-document and said the she “triple checks everything before shipping”.
After she left, I stood there wondering what to do. She violated all the rules. The loan/title company knows I work for them. I fully disclosed that. Would they think I am snarking my competition? I didn’t ask who hired her. Who would I call?
Can we date the signature line?
What do you do when a fellow NSA breaks all the rules?
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