Most of the more experienced Notaries out there have done clean up signings. It is amazing to see what types of errors the initial Notaries made. Forgetting to have borrowers sign, forgetting to have acknowledgment wording, or forgetting to cross out the pronouns. Sometimes it is missing initials, or missing pages. Many Notaries do not know how to date a Right to Rescind, and I find this out when I test them.
No wonder so many companies want you to fax every page to them. There are so many careless and sloppy Notaries out there. Notaries used to do better on my testing 15 years ago. Things have gone downhill and so have fees. This gives more work for people I call, “The cleaners” — sounds mafia.
What are the sloppiest errors you have seen while doing a clean up job?
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I had to redo an entire refi package, one of the most egregious errors the former notary made was that the notary stamped each and every page of the mortgage document. I’ve cleaned up quite a few loan packages but that was the worst!!!
Comment by PHYLLIS RABOLT — November 9, 2019 @ 6:05 pm
One file had a mortgage referred an aka but the signature signed did not. The signer signed as typed. Unfortunately, the notary did not aka the aka to support the first page.
In addition, the notary forgot to complete the year in the notary section.
Comment by Kathy Miller — November 10, 2019 @ 1:32 am