I looked for this question and could not find it, if it is out there and I am being repetitive then I apologize in advance. When printing the signers docs, do you give them everything? Shipping label, instructions for the notary, etc.? I’m not sure if it is worth the time to pick these out and they are not always (usually) all in one place at the beginning of the packet but mixed in throughout. Do you modify the printer settings and hunt for them or just pay a little extra to print everything and give it all to the signer? What do title companies prefer?
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They don’t need a shipping label. I might remove lengthy notary instructions. But I always print the signers copy. Some title companies now include a form for the signer to sign and acknowledge they were given a set of documents.
If it’s in the package, they get it – minus the shipping label.
Same for scan backs. If it’s in the package, my scan backs include the entire package. Takes more time picking through and then putting back together.
My fees reflect providing a full package to signers.
Thank you all, that helps! And to be clear, I always give them a physical copy unless Title says a digital copy is allowed. I think I’ll error on the side of giving them everything minus the shipping label like yolicue said ![]()
Most of the time, I’ll give them everything. I usually take out the shipping label. It’s easier for me to print everything than to try to pick and choose.
@Diesel3985 The reputable training and certification programs identify that the ENTIRE document package is to be printed for the Borrower(s) [BOs] - usually called a Borrowers’ Copy.
Generally, I honor the Guideline, but don’t print an additional shipping label for them.
NOTE: Sometimes an Appraisal is included within the document package. In that instance, I’ll reach out to the BOs & query if they received a paper copy of their Appraisal. If they have received one, I don’t print an additional Appraisal.
FYI: Here is a Notary Cafe listing of threads on this topic for your Review.
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I take out the 5 pages of instructions with a W-9. Over the course of a month - it’s a lot of paper!
I print everything for the signer, except the shipping label and lengthy notary instructions.
According to your instructions, you are to give the signer an exact copy of the documents they are signing. I print the second copy and I do re-order their copy because the fluff goes to the bottom and the critical docs are on top. Because of that process, I will take out anything that is a blank page, I stamp the word COPY on the additional shipping label (they might want to track their package). I will occasionally remove the notary instructions, but usually just leave them in. But, yes, we are supposed to leave an exact copy with our signers.
I’ve never thought to stamp ‘copy’ on the additional shipping label. That’s a great idea!
I give signers a copy of all docs except the shipping label and notary instructions.
Some instructions include that documents shouldn’t be re-ordered. I let settlement worry about stacking order.
I always printed a set for signers
and a copy of shipping label.
With my card usually i left it for them in and envelope of the shipper i was using
Fedex or ups
I edit. It blew up one time when a favorite client of mine found I was removing the 5 pages behind a W-9 from the bank copy, borrower copy doesn’t need it because we go over the W-9 at the table. Appraisals I print once and give to the Buyer/Borrower. My client yesterday said he didn’t want a paper or e-copy of the documents. I do not send e-copies to the signors but put in a request with Title if it is requested. Blank copies can never be sent in lieu of printing an extra set or in addition.
Yes - I never re-order the signed copy that goes back to title. Just the borrower’s copy.
I always say common sense covers most of this, but sometimes it’s nice to get confirmation and compare notes with other signing agents.
Borrowers do not need your personal notary instructions, your return air bill, lender instructions, or multiple copies of the same document. You can easily eliminate 20+ unnecessary pages just by cleaning up the package and printing their copy on letter‑size paper. Everyone appreciates that.
You also don’t need to hand them their copy upfront. It’s usually better to give it at the end so they don’t follow along page‑by‑page, which slows things down and creates confusion. If the cleanup is noticeable, I simply tell them I removed duplicate documents and unnecessary instructions. They’re always happier not having all that clutter.
Title companies don’t care what you give the borrower as long as every document they must sign is present. Appraisals are the only “iffy” item. If you do print it, you almost never need to send it back to title — just give one copy to the borrower. Most lenders already provide it before closing, but occasionally you’ll get a lender who insists on including it. If the package looks unusually large, skim it; the appraisal is probably in there. I usually present it separately as its own little booklet rather than mixing it into the loan package.
Hope that helps — coming from a senior signing agent who’s been around the block.