Dennis, When I began doing this business whenever I ran into a document I didn't know how to handle I have done it both ways, as long as I was able to make a duplicate to take with me.
The reason I started doing this is because I found that the signing service personnel often didn't have a clue and I didn't want to be left with title going all crazy on them or on me so I just started doing it both ways if there was a question. A stitch in time saves nine.
I know that many vet NSAs may say, "only sign where their name is" but the unfortunate thing about Texas is that there are around 30-40 pages of "junk docs" and often the title company just sends the forms and expects the notary to fill in the blanks correctly and get them signed correctly. During refi boom days it was quite common for title to let the notary fill in all the blanks and figure out pretty most all of it.
That left a lot for me to gamble on when I was getting my feet wet so I would go ahead and make a copy and get it done both ways.
Until you have a few signings behind you and know the difference between the legals, the lender docs and the title docs it is pretty overwhelming for Texans to figure it all out. I studied those documents a lot when I was beginning to find out which one told what story in case the borrower was looking for info. |
