Thank you Paul and everyone who responded. I was going on what you brought up about the Wife needing to sign real property transactions in Ohio.
But what happened at the signing was - they had a question about something so I said, let's call the title company. The borrower could not get through so I called the SS and pretty much insisted that they have the Title company call us directly. ok.
They finally call and she sounded very unsure and inexperienced (BTW they are in Maryland). Any questions we had were answered by committee it seemed. "We talked about it and decided that she does not have to sign the Mortgage". I said what about the RTC and the TIL? Aren't those Federal requirements" And her answer was (and I'm not kidding) "When we talked to the wife she said she didn't want to sign anything so we decided to do it her way". NOT "This is what is required in your state", or, "This is what the law is regarding...", they are going by whether the wife wanted to sign anything or not.
At this point I have to say Oh well. It's already in the UPS box on the way to the title company. I wash my hands of it and hope I get paid for both trips. And the third if it comes to that (but it probably won't). Hmmm... I wonder if whoever records the Deed and Mortgage will notice the discrepancy and say anything... ? |
