maybe this will help broaden the understanding - but I'm with you, Gary, I don't find it any great shakes.
When a loan closes via SA, it adds one more day (sometimes TWO) to the processing than when it closes inside a Title office. Since there isn't a lot of margin to begin with, the request for fax-backs is a security measure that can come from any of the parties - the lender, the title agent, or the SS (if there is one). The security they're looking for is that the 'collateral' documents (what some call the 'legals') will provide for a valid loan & recordable mtg/dot - because they often will have to fund on FAITH, before those docs are back. The other way around this is to do split-shipping.
I suspect a lot of these fax-back requests come from SS's - and while some folks find the 'babysitting' a little offensive, you could take another perspective - it puts hardcopy proof of the loan's compliant closing in the hands of someone who can back you up, should anyone later say it wasn't done properly. You could also look at it as marketing - otherwise, the SS would never actually SEE your work but rely on a LACK of feedback (more often than not) as proof of your capability. You can look at it as job security - if YOU shine, but there's a need to babysit the industry in general, well why would you grumble?
If I'm asked for fax-backs and the signing is in the late afternoon or evening, I give them the choice - faxbacks, or same-day shipping (provided I can guarantee that!), and thus far they've always chosen the shipping. If it's a late appt and it won't ship the same day anyway, then faxing back isn't any big deal to me.
When I DO fax-back, I only send SIGNATURE pages (for the mtg/dot, I send first page, signature page and my Ack. if it's separate page). I always use a cover, and identify the loan.
This process doesn't annoy me, doesn't frustrate me or offend me in any way - and it takes about 3 min to do it, AND to put the pages back together. Once you know your docs - which I would consider part of your chosen job - you should be able to pull pages out and put them back in no time flat. I would never send in a pkg without all the pages of each doc together, AND in order. I mean - the mtg, for example, I would always have together and the pages in order, because I wouldn't want to be reflected upon the way that would reflect on me. To me, it would be unprofessional, sloppy, and present 'an attitude' of being inconsiderate to the next person.
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