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Re: No valid photo ID...please explain
Posted by  JanetK_CA of CA on 5/19/22 4:38pm Msg #640132
I think you hit the nail on the head. It's the CWs who have to state under oath that the criteria are met. However, I do think the notary has some discretion as to whether or not to bring it up as an option. It's a judgment call on our part, but I also tend to use the thought process spelled out in your other post below.

As we all know, though, the lender also has to approve the use of CWs before we can proceed with the signing. I vaguely recall once being instructed to complete the Patriot Act form by writing in the comments section that the person was identified via use of two Credible Witnesses. Different lenders may have different views on this, however, so I'd always check and follow their guidelines. (I believe I've also run into at least one situation where the lender requested the signing be cancelled until the borrower had proper photo ID.)
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Messages in this Thread
 Seller/Buyer signing for today ... -  Yoli/CA on 5/19/22 9:14am
 No valid photo ID - Jules on 5/19/22 10:23am
 Re: No valid photo ID -  Cheryl Elliott on 5/19/22 10:51am
 Re: No valid photo ID...please explain - Linda_H/FL on 5/19/22 10:57am
 Re: No valid photo ID...please explain -  Cheryl Elliott on 5/19/22 12:28pm
 Re: No valid photo ID...please explain - VT_Syrup on 5/19/22 1:34pm
 Re: No valid photo ID...please explain -  JanetK_CA on 5/19/22 4:38pm
 Re: No valid photo ID...please explain - Jules on 5/19/22 7:18pm
 Judgmental a little? - CH2inCA on 5/19/22 4:14pm
 Re: No valid photo ID -  Yoli/CA on 5/19/22 7:37pm
 Re: No valid photo ID - Jules on 5/20/22 10:22am
 Re: No valid photo ID -  JanetK_CA on 5/21/22 4:10am
 Re: Seller/Buyer signing for today ... - PaigeTurner on 5/19/22 2:05pm
 Re: Seller/Buyer signing for today ... - VT_Syrup on 5/19/22 2:18pm
 Re: Seller/Buyer signing for today ... -  janCA on 5/19/22 4:34pm
 Re: Seller/Buyer signing for today ... - PaigeTurner on 5/20/22 5:57am
 Re: Seller/Buyer signing for today ... -  JanetK_CA on 5/19/22 4:43pm
 Re: Seller/Buyer signing for today ... - pdl/cali on 5/19/22 9:53pm
 Re: Seller/Buyer signing for today ... -  canotaryhere on 5/19/22 10:23pm
 sanrky respose gets just as snarky back - PaigeTurner on 5/20/22 6:22am
 Re: Seller/Buyer signing for today ... - SteveS/CA on 5/21/22 3:25pm
 Re: Seller/Buyer signing for today ... - PaigeTurner on 5/21/22 6:28pm
 Re: Seller/Buyer signing for today ... - SteveS/CA on 5/22/22 12:32pm
 Re: Seller/Buyer signing for today ... -  JanetK_CA on 5/23/22 5:44pm



 
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