Ha Ha - Well, you never know! I went to a signing, I was told to park in the driveway, get to the door, asked to remove my shoes - I was wearing boots and getting those boots off from a standing position, while I’m holding my pocketbook and notary bag, was a wobbly experience. We get to the table and the resident teenager comes over and says she needs to get out of the driveway, so I had to go out to move my truck - Kill me - I had to contort my body to get my boots on while in a standing position at the doorway, move the truck, come back and remove the boots. Now I go to signings in my bathrobe and slippers! (Kidding!) Sometimes when people come to my Farm office, as soon as I open the door someone starts removing their shoes — No, No, No! Not necessary here. Boomer will make off your shoes and take them to the woods and you will never find them again.
Another notary suggested carrying booties to cover my shoes rather than removing. Found them on Amazon - 100 for less than $10. Stuck a pair in each of my bags. Next day when asked to remove my shoes I politely declined, then pulled out the covers, easily slipped them on over my boots, and smiled at the startled (and satisfied) homeowner. Great idea! So much easier than wiggling in and out of boots!
I had a signing two weeks ago, the homeowner offered me two shoe covers like those used in hospitals, I used them and after the signing I kept Them, now I will be using them every time when this issue comes up again!
Big fan of the paper shoe covers, $0.05-0.10/each on Amazon.
I keep them inside every notary kit I have.
I also keep antibacterial hand wipes, sanitizer gel and a couple of napkins/paper towels.
HWB.
I keep the individual sanitizer wipes in my bag and hand sanitizer in the car. I use the wipes to clean my pens after each use.
After reading your post, it brought back memories of the past 15+ years in this business…I should write a book on closings.
- Animals…getting bit by a bird, dog, cat, hedgehog, etc.
- Children…nuff said
- Cooking dinner during the closing…the client could not sit down for 30ish minutes:confused:
- Ppl under the influence of whatever
- Pulling a weapon…yep it happened!
- Hoaders…they have to clear a small space on the table to sign the legal sized docs. Really?
- Feuding spouses in an all out battle & can you come back later?
- Screaming ppl…where is my check & I thought you were bringing it. Hello & you will receive your $$ after the RTC period is over.
- The borrower tells me…I am not providing my SSN#…duh & they already have your info.
- Closings “in the hood”.
- The client having issues from page 1 & the loan officer, title rep, etc. are not available.
To be continued…
No 11, gets me every single time! Then borrower says to me how much longer do I need to sign these docs, it’s taking a long time.
Well let me see… (I’m thinking this in my head), you were on the phone for 20 minutes to half an hour with your LO on the first page! Lol
Number 6, I just stand there and stare at the table for a few minutes and say, that is not going to be enough room for this… 
Maybe you should add #12… when borrowers decide not to sign for “whatever justified reason” 
especially when they were on the phone with their LO to explain something that at the end they just couldn’t assimilate 
Yep! That happened to me today… the borrower was the husband, the wife only in ALTA and other important documents, but they couldn’t get why she needed to be in the Mortgage… very simple! the mortgage should be attached to the ALTA in order for the wife to.be in the Title. Short story short, the LO told them to get themselves another TC since I was the 3rd person going there and they never understood the why it’s necessary for the wife to appear in the mortgage, regardless she wasn’t Co-Borrower.
After spending 40 minutes on the phone arguing with the loan originator, everyone F* up everyone. The LO got fed up and the borrowers never got it 
While I was packing and getting ready to leave they asked my opinion 
I told them I’m not supposed to, but hinted to go and see a mortgage closing lawyer.
Community property state? Try this: Your wife has ownership rights in this state, sir.
Therefore she has to agree to the lien securing the loan before the loan can close. Both you and your wife will be signing those documents that pertain to ownership. Documents involving the actual loan will be signed only by you.
#13! “I haven’t seen any of these documents yet (because you totally ignored everything sent to you during the loan process, you idiotic ass!) and I won’t sign anything I haven’t seen, so I want to read every line on every page before I sign.” Yeah. Excuse me while I pack up and depart for my next signing, buddy. Catch me once you grow up and realize you should have PAID ATTENTION to the multiple people sending you documents and calling you BEFORE I arrived.
The borrowers I mention, supposedly never got anything before hand to read, but I don’t buy it. The LO told us on the phone (I had to put him on speaker) that I was the 3rd person going there and for same reason they’re not signing the F* closing… “go and find yourself a TC where they would go to your house with a lawyer because I’m done with you”… long SILENCE… he hanged up
Excellent answer Judi - “by virtue of your marriage she has a marital interest in the property and has to sign off on the mortgage, basically giving her permission for the lien to be placed on the property”.
3 times around and they didn’t get it??? They must have had fun with the rest of the docs…wow
I’d have paid money to hear that! How did you keep a straight face?
I tried my best Judi…
It was hilarious, because the husband Googled everything in regards to it and he was following “Google’s 2 cents of information”. I would have paid to see the Loan Originator’s face, because he really had it with those people
ieeeeee. And they offer us $60 jobs.
oh my goodness. wow! that is unreal. i hate taking my shoes off. I even would prefer to sign outside in a garage or outside in back yard before taking my shoes off. with COVID I actually recommend doing a signing at a table outside or in the garage. I will bring a jacket to wear too
add now getting a call while you are parking outside saying from the hubby to call the wife. call her she expalins they don’t communicate well. she tested positive for covid that day. they set up a table in garage is that okay? her son tested positive as well but her husband isnegative. um no thank you
I tell them they need to contact the lender or Title company as I’m not an attorney an prohibited by law from offering an opinion.
I tell them its company policy for the signing agent to not remove their shoes due to insurance requirements. I’ve too many times stepped on/in something that I didn’t want to insert in my shoe at the end of the closing.
I’ve put this on the webpage’s FAQ page.
I would have had their homeowners reimburse for any out of pocket expenses. That could have been awful if it got infected or you were a diabetic. Idea is to get the paper booties at home depot to slip over your shoes. I’ve done that for years. Sometimes the floors are really dirty and removing your shoes is gross. So fixes that!!