Same here. As a matter of fact, first thing I ask is if they've seen their HUD. Then, I hand them their HUD and ask them to review it while I fill out my notary journal. Further advise them that should they have any questions regarding their fees, they should contact their loan officer.
Barring any fee question and being done with journal, I show them the Note and read them the highlights, read them the vesting on DOT, show them their First Payment and TIL. If everything is good with those docs, everything else is just "boiler-plate" and we proceed.
We are not privy to their loan file. We are disinterested third parties and don't know what their negotiations consisted of or what terms they agreed to.
AND, we don't get paid the big bucks. If the LO and realtor want to split their commissions with me, I'd be glad to do part of their job. |
