Although it is not our job to determine citizenship... it is our job AS A SIGNING AGENT (the other hat we wear) to identify a signer to the satisfaction of the lender. Hence the Patriot Act form we fill out with two forms of ID and the copies of ID that we so often obtain. It is the Lender's perrogative to accept CW identification or not.
I have this problem alot as I am near the border and I ALWAYS double check with the people that booked me to find out if Credible Witness ID will be OK. Lenders are picky... and some will not accept CW identification at all. (Not all, but some). I hate to break it to ya, but this one comes with experience.
When I make a confirmation call I always make sure they have valid ID and ask them to have a copy made prior to the appointment. At this point, many ID issues come to light and can be alleviated. A little phone call can solve a lot. Some would disagree and argue that wasting time on phone calls is too much babysitting but ESPECIALLY for a signing service it is better to know of problems ahead of time to ensure that you get paid. It takes two seconds and it has saved me time and money.
JMHO |
