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Posted by LawrenceOK on 4/5/06 9:38am
You have nailed it on the head Renee with "No feedback". Yes I do read Lender, TC, and SS instructions (which often conflict with each other) Lender wants it this way, TC wants it their way and SS says no Pay if not our way. So where does that leave us? Right in the damn middle!
Most of the mistakes I see on the documents are, wrong address, JR vs SR, misspelled names and mistyped SS#'s. All we can do is make corrections when allowed. Some instructions say "make no corrections to documents" So don't yell at me when they are not corrected.
You need to yell at who ever prepared the documents.
There is a very thin line we must approach when presenting documents to the borrowers, and sometimes we may have to put one foot over that line so that the borrower's understand what it is they are signing. Many folks may feel this is UPL, I would agree if you jumped over with both feet.
Am I in the borrowers home to sell the loan? NO! However, I am there to assist in the signing of the documents, I must be prepared to contact the proper individuals when and if a problem arises. Unless of course it's 9pm and your contacts are unavailable. Then I guess I become a salesman.
Many state laws are clear that we are to be impartial and unbiased witness's. Some states even say we are not to have a financial interest in the documents we notarize. So were does that leave us if the loan does not fund. Unless of course it doesn't fund because of our mistake.
To error is human, we ALL make mistakes. At least give me the opportunity to correct my errors before screaming to whoever not to use that notary ever again. jmo |
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