That was their screw up, not yours. I would have emailed them after the closing and told them there was a discrepancy and placed the ball in their court. What they did to you was punch you in the eye and blame it on you. CYA and bring it to their attention FIRST! Explain that you are not sure why they did not include the wife's name on the docs, but you think a mistake was made when preparing the hud, compliance agreement and title affidavit omitting the wife's name.
If you wanted to overkill, at closing when you noticed it, you could have used the borrowers' copies of these docs and had the husband only sign the loan set, had the husband and wife sign the borrowers copies. After closing copy the borrower's copies you took and mail it back to them. Return both sets with original signatures to the TC and include a note with the package about what you did and why you did it. You've saved yourself a second trip to the borrowers'.
Just a thought. More ways than one to CYA. |
