*Would it not be beneficial if LOs resolved ID issues before the loan left their hands? Seems to me that would serve the process all the way up the line.*
Yes! But, the problem is that in their opinion, there is not an issue. Ronnie indeed presents a great idea for a perfect world.
My interest in this is not to put down Ronnie's suggestion, but to explain that reality is very different in most states and we deal with national companies. Case in point...the last mortgage that I signed was not a Texas lender. It said, "Brenda Middle Maiden Married." Four names.
I have nothing but a birth certificate and my and family members to verify that my middle name is what it is. The lender got it off of my birth certificate. The lender had my ID. The lender and title knew that there existed no such ID with my middle name. It was up to a notary to decide if I was lying about my ID, or not.
By sharing this example, I hope to help notaries understand that our jobs are not as cut and dried and we (or, the xyz) would like them to be. Sometimes, we have to use the ID that we have and make a decision.... at least *I* do. |
| Messages in this Thread |
|  Title co process improvement suggestion - Ronnie_WA on 10/19/12 3:22pm |
|  Re: Title co process improvement suggestion - signhere/ca on 10/19/12 3:47pm |
|  Re: Title co process improvement suggestion - Ronnie_WA on 10/19/12 4:01pm |
| Re: Title co process improvement suggestion - Pro Mobile Notary on 10/19/12 4:12pm |
| Re: Title co process improvement suggestion - Ronnie_WA on 10/19/12 4:22pm |
|  Re: Title co process improvement suggestion - Pro Mobile Notary on 10/19/12 5:15pm |
|  Re: Title co process improvement suggestion -  BrendaTx on 10/19/12 5:19pm |
|  Correction - BrendaTx on 10/19/12 5:20pm |
| This is rude, unnecessary and damned offensive - HisHughness on 10/19/12 5:26pm |
| Re: This is rude, unnecessary and damned offensive - janCA on 10/19/12 5:35pm |
|  That's Howard, alright. n/m - BrendaTx on 10/19/12 5:48pm |
| Usually I find Howard's contributions helpful. This was not. n/m - HisHughness on 10/19/12 8:57pm |
| Re: This is rude, unnecessary and damned offensive - Ronnie_WA on 10/19/12 5:52pm |
| My perspective is that you are a jerk PMN. - JS_MD on 10/19/12 9:28pm |
| PMN offered $70 4 an edoc refi 70 miles away last month.lol - JS_MD on 10/19/12 9:42pm |
| Re: Title co process improvement suggestion - jba/fl on 10/19/12 10:18pm |
| Ronnie_WA - BrendaTx on 10/19/12 4:24pm |
| Re: Ronnie_WA - Ronnie_WA on 10/19/12 4:27pm |
| Re: Ronnie_WA - BrendaTx on 10/19/12 5:00pm |
| Re: Ronnie_WA - Shoshana/AZ on 10/19/12 5:07pm |
| Re: Ronnie_WA - BrendaTx on 10/19/12 5:11pm |
| Re: Ronnie_WA - Ronnie_WA on 10/19/12 5:55pm |
|  Re: Ronnie_WA - BrendaTx on 10/19/12 6:04pm |
|  buyer tells seller via sales agreement how they want vesting n/m - sigtogo/OR on 10/19/12 7:34pm |
| sorry Brenda, must disagee- buyer/borrower decides vesting - sigtogo/OR on 10/19/12 7:47pm |
| Re: sorry Brenda, must disagee- buyer/borrower decides vesting - Ronnie_WA on 10/19/12 7:54pm |
| I have to ask you, why are you surprised? - BrendaTx on 10/19/12 11:41pm |
| Seems as though I hit a nerve-not my intention - sigtogo/OR on 10/20/12 12:56am |
|  No, you said that you "would be surprised" - BrendaTx on 10/20/12 11:50am |
|  When I did purchase closings in CT with mortgages - Linda_H/FL on 10/20/12 12:17pm |
|  Re: When I did purchase closings in CT with mortgages - BrendaTx on 10/21/12 8:54pm |
| Re: Ronnie_WA - Ronnie_WA on 10/19/12 5:08pm |
| Thank you, Ronnie. I appreciate your patience. - BrendaTx on 10/19/12 5:33pm |
| Re: Thank you, Ronnie. I appreciate your patience. - Ronnie_WA on 10/19/12 5:47pm |
| PS - I have many years experience in legal/title/mortgage - BrendaTx on 10/19/12 5:08pm |
| Re: PS - I have many years experience in legal/title/mortgage - Ronnie_WA on 10/19/12 5:10pm |
| Re: PS - I have many years experience in legal/title/mortgage - BrendaTx on 10/19/12 5:16pm |
| Re: PS - I have many years experience in legal/title/mortgage - Ronnie_WA on 10/19/12 5:20pm |
| Is that a lender law, title/insurance law, or notary law? - BrendaTx on 10/19/12 5:22pm |
| Re: Is that a lender law, title/insurance law, or notary law? - Ronnie_WA on 10/19/12 5:30pm |
| Re: PS - I have many years experience in legal/title/mortgage - Ronnie_WA on 10/19/12 5:24pm |
| Her problem is that you claimed a statutory requirement. - HisHughness on 10/19/12 5:32pm |
| Re: Her problem is that you claimed a statutory requirement. - Ronnie_WA on 10/19/12 5:41pm |
| Re: Her problem is that you claimed a statutory requirement. - BrendaTx on 10/19/12 5:47pm |
 | Re: Her problem is that you claimed a statutory requirement. - BrendaTx on 10/19/12 5:43pm |
| Re: Her problem is that you claimed a statutory requirement. - JanetK_CA on 10/19/12 6:08pm |
| A first for me last night... - JanetK_CA on 10/20/12 4:11pm |
| My take on some of this! - sigtogo/OR on 10/19/12 7:31pm |
| strange punctuation--cut and past from word :) n/m - sigtogo/OR on 10/19/12 7:57pm |
