I had a signing from He!! tonight. When I arrived at the Borrower's home, we did not sit down to sign the docs, instead she took me to her kitchen island and we stood there and that is where she wanted to sign the docs. The island was full of other paperwork and at first I put my docs on the top but then I felt uncomfortable and pushed the other docs to the side and told her as I was doing this that I didn't want her other docs to get mixed up with the loan docs. The first doc I always present is the HUD and I always start with the second page because that is where the closing costs are located and then I move to the 1st page to show the closing costs on the first page and how it adds up. I handed her the doc told her it was the HUD and she immediately gets nasty and says HUD? What is that? I said it is the HUD-I Settlement Statement, it reflects the costs associated with the loan. She then states there aren't any costs and all is to be paid by the Lender. I said okay lets look at it and there were only title charges on the HUD and she got crazy mad at me and starting screaming how this whole thing has been a mess from the beginning and that she will not sign it because she isn't supposed to have any closing costs. She then wants to call her LO and I said of course. She calls him and then she gives the phone to me and he tells me that on the HUD there should be a credit for the closing costs paid by the lender. I looked back at the HUD and on the front of the doc (we hadn't even gotten to that page yet) was the credit from the Lender. I told him that we had just started reviewing the document and that she wanted to call him and we hadn't reviewed the first page yet. I said all should be okay now and gave the phone back to the borrower. She then tells him she is uncomfortable and will not sign unless he is present. Luckily he is only 5 minutes from her house. As I stood there waited for the LO to show, the borrower then starts to cry uncontrolably and her boyfriend comes over and comforts her. I tell them I will leave them alone during this private moment and I will wait outside until the LO arrives. They insist I stay all the while she is balling and can't control herself. After the longest 5 minutes the LO finally arrives. He came in stating that he is only there to observe and will not be a party to the closing. I then start the signing again and she is now ignoring me and acting like I am not ever present and refers all of her questions to the LO. She will no longer look at me or acknowledge that I am in her home. She also read each and every document word for word. (A 20 doc HELOC took 2 hours) I then just start handing her the docs telling her the name of the document and stopping, I didn't even try to explain anything to her because she would only interupt and ask him to explain the doc. I basically became the paper pusher.
The only time she actually spoke to me was when she signed the mortgage, she wanted to cross through the ackknowlegement page because the acknowledgement was only on the top half of the document and the rest was blank and she said that I could write in anything I wanted to and she couldn't do anything about it and wanted to cross through it. I told her she couldn't do that so she then asked if I could give her a copy of the signed document. I told her she had a copy but she wanted one signed because she didn't want ME to alter the document. I told her I didn't have anyway of copying it for her but if she did she was welcome to copy it. She did have a copier and she did make a copy. After I notarized it I returned it to her so she could see what I did actually add to the document and offered her to copy that page as well if she wishes. She declined. She then had a disput with her 1003 and incorrect previous address and didn't want to sign it, the LO convinced her to sign it but she signed it and followed her signature with UCC1-207 (she added this to indicate that she is signing it under protest) I don't know if the Lender to TC will kick it back but I am enclosing a note to the TC that the LO was present and allowed her to sign in that manner.
This was the first time a borrower was this done right nasty to me, many times I have had borrowers who were upset by how the process of the loan had gone and they might have screamed and yelled but always say that they are not mad at me and understood my role in the process. I tried explaining it to her but she was so nasty from the onset she didn't want me there at all. Of course this was the first loan that had a notary survey in it for the borrower to complete and return. I am sure she will be very negative and this is a client that I have just started doing work for and I have done about 5 or 6 closings to date and all have gone well. What could I have done differently? Should I send a note or call the TC that hired me and explain what happened at the signing? I would hate to lose business because of one very nasty crazy lady. |
