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  Be the first person to vote!
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kimcole132
North Carolina
100 Posts |
 Posted - 07/10/2008 : 12:51:47 PM
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I get the point!!
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edelske
New York
815 Posts |
Posted - 07/10/2008 : 12:42:53 PM
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Sometimes I receive a "Bank" set and a "Borrower Copy" set. Upon inspection I see that the borrower copy set usually omits the tax forms and a few other documents. I presume the intent is to avoid "confusing" the borrowers who might think they have to fill in these forms and "send them in", whatever......
Sometimes, because I charge 50$ to print 2 sets of docs, factoring in a trip home to print, multiple "when will I get it calls", delays, busted scheduling, etc. - I am told to only print one set and that the borrowers should be told the bank will photocopy the signed set and send it to them.......
Sometimes, because the docs are "so late" and the pressure is on to get to them quickly, I'm told "just print the one set and run".
Nothing they say matters one bit to me. The borrower gets a complete set - in exactly the same sequence as the signed set. To do less, and this is my humble opinion, would be unfair to the person signing. I dont care what I am told, verbal or written; I alway give an exact copy to the person signing. Once in a while that is quite difficult to live with, as in the case of being "second" on a "split signing" and having some "loose ack's" attached. No change in policy - those docs go to Kinko's for scanning (twice for loose ack's attached pages) and the cost added to my fee. YES, I have lost a few jobs due to that policy, BUT - I never have regretted my actions or been invited to a courtroom.....
The prime directives are "keeping out of trouble" and "doing the right thing". I lose a few assignments, not many, but sleep very well.....
Kenneth A Edelstein
Mobile Notary, Apostille / Legalization Processing & Fingerprinting
http://www.kenneth-a-edelstein.com |
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BobbiCT
Connecticut
135 Posts |
Posted - 07/03/2008 : 05:09:25 AM
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I am in a conservative state swimming with the sharks. Think CYA.
If any of these borrowers get in trouble and take "the copy set the signing agent gave me" to their attorney, I do not want to be asked...
"Why didn't YOU give my client a copy of ALL the documents?"
"What made YOU decide that my client was not LEGALLY required to have a copy of this document?"
And the killer statement, "Your honor, if my client had an opportunity to read this particular document during the recission period ..."
Even if I am right, I am still spending time and losing income over something that can be solved with "Unless there are written instructions to the contrary, just print everything and give a full copy to the borrower." I gave them a copy of everything, whether they wanted it or not. To save questions, I do place the instructions etc. at the bottom of the pile.
Bobbi in CT |
Edited by - BobbiCT on 07/03/2008 05:09:55 AM |
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lildeb1951
Arizona
32 Posts |
Posted - 07/02/2008 : 07:33:07 AM
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When I took the signing agent certification class in CA we were taught to always print a copy of the full packet unless the lender specified different instructions. Legally, we should never make decisions about what gets printed, signed, etc.
Debbie in Phoenix
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kimcole132
North Carolina
100 Posts |
Posted - 07/01/2008 : 6:52:48 PM
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| Thanks and that is what I am doing! I just had one lender that requested only certain docs be printed for the customer so it got me thinking. |
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claudia
Texas
54 Posts |
Posted - 07/01/2008 : 5:01:50 PM
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I agree with azdocsign. You must print them the entire package unless you ask the lending company what documents you can eliminate. I am sure they would say none of them.
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azdocsign
Arizona
89 Posts |
Posted - 06/30/2008 : 11:14:16 PM
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Most lenders will give you specific instructions either in the confirmation or the closing instructions to print a complete copy for the Borrowers. I have always made a complete copy for the borrowers as it really is not our decision to make which documents are important for them to receive. I feel from a borrower's standpoint all of them are important.
Kathy Fletcher
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kimcole132
North Carolina
100 Posts |
Posted - 06/30/2008 : 9:58:21 PM
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| Is it standard practice to make a complete copy of the loan package for the borrower? Or is it acceptable to make a copy of the pertinent documents like the Note, Deed, HUD, Right to Cancel, etc? What are other folks doing? Thanks! |
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