| If I don't know the policy of the folks I am signing for, I call. If I can't get them on the phone, I make two copies and do it both ways, then find out which one is correct. I have had some borrowers refuse to sign if it is not joint credit. Usually they are the ones who are already mad about an issue with the loan and the joint credit issue. I have never had to redo one, but then again, I don't do the volume that Bob or Lisa do. |
