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January 12, 2014

I go over the HUD-1 first

I go over the HUD-1 First

Some notaries public start the loan at the beginning and go in the order that the documents are in. Ninja notaries call this following the order of the universe. But, other notaries public start with the HUD-1 Settlement Statement first. It is sometimes helpful to go over the most critical figures in the loan. That way if there is a problem, you will know at the very beginning.

On the other hand, you could call the borrower up before you leave your home and go over the numbers. That way you can stop a bad signing right before it even starts! That is sort of like reading the weather report online before you drive two hours to the beach. After all, do you want to go to the beach while it is raining?

One of our notaries public likes to go over the bottom of the 3rd page of the HUD and get to the really critical information first. To each their own. Just remember — either follow the order of the universe or follow your own inner order (if you have one). Good luck!

Think ahead — go over the HUD-1 Settlement Statement

(1) Some notaries start the loan at the beginning and go in the order the docs are in.
(2) You could call the borrower up before you leave your home & go over the numbers
(3) One of our notaries likes to go over the bottom of the 3rd page of the HUD & get to the critical info 1st.



  1. I usually go over the HUD-1 first because if there are any issues with the numbers I feel it’s best to get that over with. There have many instances where the issue gets cleared up quickly with the Loan Officer and the signing moves along smoothly after that. Add to that I have never been brought to task by anyone for having the HUD-1 on the top of the pile.

    Comment by William Ponsot — January 18, 2014 @ 2:02 am

  2. Put yourself inside the head of your buyer, seller, or borrower. What would you want to know first? 1. How did the Title company arrive at the number they are asking for? That’s why we go over the first page of the HUD first. 2. As a buyer or “re-fier”, What is my new loan going to involve? For that reason we go over the third page that gives the details of the new loan. We also,at that time, tell them when the first payment will be due. If there are no problems or further questions about the above parts of the transaction, the rest is usually a slam dunk. We also mention that much of the rest of the package is a lot of repetition and everything just sails along as we mention what each page is for.

    Comment by Rodrigo Jones — January 18, 2014 @ 6:27 am

  3. Yep, I do the HUD and then the note.

    Comment by Oregon Notary — January 18, 2014 @ 5:26 pm

  4. I always go over the Hud first, and I do mine as I was trained at a title company, I start with the 2nd page first, I show the costs, their escrow if any, then I go to the front page and show the figure I just showed them on the 2nd page, their payoff and the gross amount they need, then I go through the credits to show if they have money coming back or paying or even. Then I go over the 3rd page to show the details of their loan. Then I will go through the package in order given because most companies want the package kept in same order it was sent, the only exception I make is if I come to the mortgage before the note, I will pull the note out and go through it first with them so they can see their terms, so they won’t be inclined to read the whole mortgage page by page.

    Comment by Linda K Cox — December 2, 2014 @ 6:32 pm

  5. I try to see the HUD before I print out docs to see if they owe money or are getting cash back. This avoids a lot of print out of docs if there is something wrong. Also at the closing I go over the terms of the loan first to make sure they are comfortable with the figures before we ever start signing.

    Comment by Barbara Wilson — July 23, 2015 @ 9:24 pm

  6. Recognizing this an old post, I disagree. I take care of identifying the borrowers first. If we don’t have the right people we are violating privacy laws by going over anything else. Numbers are the second topic of discussion.

    Comment by John Axt — August 18, 2017 @ 10:58 am

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