| I didn't do it at the beginning either if they did not specifically ask for it or there was no line and did not have a problem until I HAD A PROBLEM. I was asked to return to the borrower which I did... and soon after started doing additional research and study on docs. I wanted to really know what I was doing and not just blindly follow the closing instructions (I do not mean anything by saying this). In my research and contact with Countrywide, Fidelity, H&R Block, Merit Financial and a few others- (incidentally not all of these companies include lines for the initials) I was informed that indeed, every page of the DOT except the signature page should be initialed. It does not prevent the closing (obviously because I had loans close without it) but supposedly it is the correct way to do it. I appreciate the time that the lender representatives took in answering some questions that had not been black and white for me, it really helped me do my job better. |
