Kellieco said:
***I did a signing the other day and the hud 1, owners compliance agreement and the title affidavit had only the husbands name on them, I had the husband sign and sent them back. I received a call the next day saying I should have known and now I have to go back on my own time. I said so I have to make sure of my accuracy and yours. I guess you live and learn***
I agree this is expected. This has been my experience.
(1) the title company I have the best relationship with assumes that people who do what we do know these kinds of things or they would not be doing them. They are a little naive about the lack of training some NSAs have had before starting out. Not bashing new people...just telling a perspective I am aware of.
(2) Most companies I work for have done some kind of vague notice regarding spouses - these are seldom emphasized on every set of docs. I am just supposed to know.
Maggie's overkill is not a bad idea and one that I use. I try to see it ahead of time and make an extra copy to take if I cannot call to verify.
Some would say that the company would send you back and pay you again. Maybe...but I don't want to take that chance. I call, email, or do what Maggie does.
To Sam: I think you did the right thing to check it out, but I also respect Stephanie's view and her professionalism. That's the great thing about this board's exchange of information.
(MaggieMae said: **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'.**) |
