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January 29, 2013

I say who, I say when, I say where

Filed under: Carmen Towles,Posts With Many Comments — Tags: — admin @ 10:13 pm

Look; I know the signing services provide a service and it is hard work but come on…. It’s almost 2013. Where did some of these folks come from? What is wrong with certain companies that hire us? They have all these rules and demands. Don’t answer your phone in a closing. Don’t call the borrower before you go, the appointment is all set. Then you get here then the borrowers didn’t have a clue that you were coming. In fact sometimes they don’t even know the loan is ready to be closed. Then they have the nerve to offer a whooping fee of $70.00 for printing, faxing back, travel and time. And whats with all the last minute cancellations? (After I have turned away several other jobs that may have went through) Who pays for this? But what is even more unsettling is that some of you are taking these $70.00 jobs. At this rate, believe me you are working for FREE.

I mean, lets face it, everything is going up but our pay. Gas, paper ink, advertising, etc. But the fees are constantly going down. I was doing signings for $75.00 over 6 years ago. Today some of these signing companies are offering even less than that (and they want more duties from you) and it costs us way more to operate but they still are insisting we take lower pay.

Now, I’ll be first to say that it is your business and you are calling the shots, and making all the decisions for what best for your business. And it may sound as if I too am telling you what to do. But, I just don’t see how anyone can make a decent living taking this type of low paying work. I think that if you crunch the numbers you’d see that you are more likely than not operating at a loss. I truly believe that if we collectively stand our ground and refuse these low paying jobs it would make it better for all of us. But unfortunately, this probably will happen. There is always someone that will take these jobs regardless of what I or anyone else tells them. Some feel that they need the work so badly that ‘some’ work is better than ‘no’ work.

Personally, I want to work smarter not harder. As most of you all know I believe in making what I am worth. Remember that without us most of these loans WOULDN’t get closed. Now, before anybody starts up, I am NOT talking about price fixing. I am talking about getting paid a fair amount that matches the work being performed. Many service orientated businesses have guideline as to what to charge and they are pretty close to others that are of the same profession. If we don’t stop and think about the effect of what we do not only has on us but on others and this profession ….very soon it wont even be worth the effort.

Until next time! Be safe!



  1. Carmen,
    There are two solutions to this problem. The first is “just say no” to the lowball and manipulative offers. The second is to have multiple revenue sources so as not to be dependant on signings. WE are the masters of our fate.

    Comment by Kenneth A Edelstein — January 30, 2013 @ 4:06 am

  2. I am at a point in my signing career where I don’t HAVE to take a low ball offer.
    A couple of signing services start low, I stand firm, and sometimes, they call back because no one else will take the job! Kike Ken said, just say NO!

    Comment by James — January 30, 2013 @ 1:22 pm

  3. You’re right they are working for nothing. I can’t afford to work for nothing. And what is with all the cancellations? That costs $$$.

    Comment by Anne — January 30, 2013 @ 1:59 pm

  4. I agree. I won’t even leave the house for $70.00! My base fee is $100 and I stick to it. There is a lot of work entailed with a signing, especially when faxbacks are required. I charge extra for faxbacks, travel and anything over 150 pages. I had a signing with 243 pages a couple of weeks ago! And I had to make two copies! That is NOT a $100 signing when you use a who ream of paper, all that ink AND my time. I do an excellent job and I expect to be paid accordingly.

    Comment by Faye — January 31, 2013 @ 12:29 am

  5. Carmen, If you would provide a reasonable starting point to charge…that would be helpful.

    Comment by Aldo — January 31, 2013 @ 1:43 am

  6. I have had it with the low pay…and the late pay…I just don’t work for those companies…I did a job today for Field Choice..on the notary page it has your name and a list of any errors u may make. Funny…the scheduler made at least errors right on the bat. So who makes errors ..don’t use that excuse for low pay and late payment…

    Comment by Lori — January 31, 2013 @ 5:32 am

  7. Why not call it price fixing. Price fixing is what these signing companies are doing. I’m more fortunate than most. I cover a large rural area with few closers. When I quote a price I know they will call back 90% of the time. And I upcharge for gas if it’s out of area. I don’t go out of my front door for less than $100.00.

    Comment by Joan Havens — February 1, 2013 @ 2:13 am

  8. To Aldo,, at the very least….100.00 for a signing company…150.00 for title and escrow.

    Comment by Carmen Towles — February 22, 2013 @ 4:01 am

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