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Posted by Kevin/Ct on 8/15/08 10:18am
I would agree that the borrower should be told far in advance of the closing date that they are required to produce two forms of I D one of which must be photo I D. I do not think that I have ever run into an instance when the borrower was notified of this before I contacted him/her on the phone to confirm the closing time. When I have asked title companies/signing services/loan officers whether they have informed the borrowers of this obligation I received answers such as "Well, I assume that they have." The assumption has almost uniformly been incorrect, and the borrowers are often shocked by the last minute instruction to have the required I D present at the closing table.
I have also been told that the "lender only requires one form of I D". This statement is usually followed by several seconds of dead air on the phone when I inform them that what the lender requires and what the State requires are two different things. |
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