Refuse the signing if anything depends on the borrower(s) doing (or not doing) something. I cannot count the number of times that borrowers have said "Yes. Yes. Yes." when they were told that they 1) Had to have two acceptible forms of ID; B) Were responsible for providing a witness; iii) Had to have copies of their DL. Then at the table there's an expired DL ("I know, but it's got my picture on it." , no witness ("Oh. I thought the guy from [lender] was coming with you.), and no DL copy ("I already sent it in.". Or worse yet, "You didn't tell me I needed [fill in the blank]."
Like most of us who've been around a while, you've probably got your set speech: "Good afternoon, Mr. Borrower. I'm Joe Notary. I understand that we've got an appointment for 6:30 tomorrow afternoon to sign some documents...." followed by _exactly_what the borrower needs to do to prepare and what will be needed at the signing table. You answer the borrower's questions, then reinforce what they need to do.
Yes, I agree that carrying a digital camera is A Good Idea. But it is a stop-gap solution. |
