# An experience concerning spousal documents **URL:** \ **Category:** Story Time!\ **Created:** [March 26, 2025, 3:26pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982 "2025-03-26T15:26:18Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![jennjoneis](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/jennjoneis/32/34972_2.png) [@jennjoneis](https://forum.notarycafe.com/u/jennjoneis)\ **Post date:** [March 26, 2025, 3:26pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/1 "2025-03-26T15:26:18Z")
notary: Per lender spouse also needs to sign documents signer: ok, she’ll be there At signing– signer: well we are going to get married notary: congrats (signer seems nervous) signer : actually we are boyfriend and girlfriend we are not married notary: let me make a phone call just in case lender on call: What?!! They’re not married STOP THE SIGNING!!! ---
**Author:** ![cNsa5](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/cnsa5/32/33381_2.png) [@cNsa5](https://forum.notarycafe.com/u/cNsa5)\ **Post date:** [March 26, 2025, 5:19pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/2 "2025-03-26T17:19:35Z")
@jennjoneis🎉 SIGNING TABLE SURPRISE 🎉 Thank You for sharing your **direct experience**! Please add this to the ‘book’ (_currently in draft form_) for _ **Secrets Borrowers Keep from their Loan Officers** _. 😂 _Maybe they’re simply unaware of the legal and financial ramifications of taking deed to the property . . ._🤷‍♀️ Truly, there’s NEVER a dull moment in our business industry! 🦢 ---
**Author:** ![jennjoneis](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/jennjoneis/32/34972_2.png) [@jennjoneis](https://forum.notarycafe.com/u/jennjoneis)\ **Post date:** [March 26, 2025, 5:36pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/3 "2025-03-26T17:36:19Z")
LOL! What a good book idea I’m on board The girlfriend was not happy at all ---
**Author:** ![Carmen\_Lane](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/carmen_lane/32/33378_2.png) [@Carmen\_Lane](https://forum.notarycafe.com/u/Carmen_Lane)\ **Post date:** [March 26, 2025, 6:08pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/4 "2025-03-26T18:08:58Z")
They flatout lied on their loan application = MORTGAGE FRAUD. Good catch! ---
**Author:** ![Arichter](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/arichter/32/35077_2.png) [@Arichter](https://forum.notarycafe.com/u/Arichter)\ **Post date:** [March 26, 2025, 8:15pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/5 "2025-03-26T20:15:05Z")
Just curious… What NAME was on her ID? ---
**Author:** ![jennjoneis](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/jennjoneis/32/34972_2.png) [@jennjoneis](https://forum.notarycafe.com/u/jennjoneis)\ **Post date:** [March 26, 2025, 11:38pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/6 "2025-03-26T23:38:39Z")
I did not think of it like that. wow that is fraud WOW ---
**Author:** ![jennjoneis](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/jennjoneis/32/34972_2.png) [@jennjoneis](https://forum.notarycafe.com/u/jennjoneis)\ **Post date:** [March 26, 2025, 11:39pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/7 "2025-03-26T23:39:00Z")
She had her correct last name on her ID not his last name I know sometimes couples don’t change their last names ---
**Author:** ![johnsonps306](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/johnsonps306/32/35090_2.png) [@johnsonps306](https://forum.notarycafe.com/u/johnsonps306)\ **Post date:** [March 27, 2025, 12:09pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/8 "2025-03-27T12:09:15Z")
Reminds me of when I did a signing and the guy was signing a sworn marital status affidavit and said well I’ve only been married 4 months. Same thing, document re-draw required. I told him you can’t be just a little bit married. ---
**Author:** ![jennjoneis](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/jennjoneis/32/34972_2.png) [@jennjoneis](https://forum.notarycafe.com/u/jennjoneis)\ **Post date:** [March 27, 2025, 12:29pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/9 "2025-03-27T12:29:53Z")
that’s a new one to me. I don’t think I’ve ever come across that document Did he have to be married for a year or more? ---
**Author:** ![johnsonps306](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/johnsonps306/32/35090_2.png) [@johnsonps306](https://forum.notarycafe.com/u/johnsonps306)\ **Post date:** [March 27, 2025, 12:50pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/10 "2025-03-27T12:50:36Z")
No he thought he could get away with not mentioning it or putting his wife on his deed. And that doesn’t happen in this state. And the marital status is a sworn affidavit and I said what I always say, you’re swearing this is a true statement. And he went - well I haven’t been married very long. And I said, then signing this you are swearing you are not married. We called and the lender re-drew the documents to reflect he was married. If you are married but sign a sworn affidavit that you’re not married that’s fraud. I never tell anyone they are committing fraud, but every time there’s a document that includes information about loan fraud I show a signer the statement about loan fraud. Because they need to understand they are signing stating they understand and acknowledge loan fraud is a crime. And swearing someone for an affidavit, as a notary we tell them they are swearing the information being provided is true and accurate to the best of their knowledge. He decided not to swear that. It was a good decision. He was afraid his loan wouldn’t go through, but it did. ---
**Author:** ![jennjoneis](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/jennjoneis/32/34972_2.png) [@jennjoneis](https://forum.notarycafe.com/u/jennjoneis)\ **Post date:** [March 27, 2025, 1:18pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/11 "2025-03-27T13:18:34Z")
Good catch. That is fraud. ---
**Author:** ![cfletcher](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/cfletcher/32/33399_2.png) [@cfletcher](https://forum.notarycafe.com/u/cfletcher)\ **Post date:** [March 27, 2025, 4:08pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/12 "2025-03-27T16:08:48Z")
Yep! Sometimes we can get in such a routine in performing loan signings, that we forget the other part of our job is fraud prevention. Way to go! ---
**Author:** ![jennjoneis](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/jennjoneis/32/34972_2.png) [@jennjoneis](https://forum.notarycafe.com/u/jennjoneis)\ **Post date:** [March 27, 2025, 5:15pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/13 "2025-03-27T17:15:43Z")
Thanks. Now I understand why in court the prosecuting attorney gets the person talking. Most times people will tell on themselves. ---
**Author:** ![miamisigningagent](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/miamisigningagent/32/33708_2.png) [@miamisigningagent](https://forum.notarycafe.com/u/miamisigningagent)\ **Post date:** [March 28, 2025, 4:40am UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/14 "2025-03-28T04:40:53Z")
It happens to me very similar. The closing was scheduled in a local bank, for a line of credit. The borrower signed a few documents and then he saw Affidavit of continuos marriage, Borrower: We are planning to get a divorce, also we have court dated in a few days. (was refusing to sign the affidavit) Me: I need to call the title company to know how to proceed. The borrower: No, I will not sign the affidavit, cancel the closing. He left. ---
**Author:** ![jennjoneis](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/jennjoneis/32/34972_2.png) [@jennjoneis](https://forum.notarycafe.com/u/jennjoneis)\ **Post date:** [March 28, 2025, 10:18am UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/15 "2025-03-28T10:18:49Z")
Oh wow. That’s tough. I wonder if most U.S states are considered “spousal states” ---
**Author:** ![cNsa5](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/cnsa5/32/33381_2.png) [@cNsa5](https://forum.notarycafe.com/u/cNsa5)\ **Post date:** [March 28, 2025, 10:46am UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/16 "2025-03-28T10:46:00Z")
@jennjoneis Great question! 🎉 It’s complicated . . . According to Rocket Mortgage, the following are Community Property States: - Arizona - California - Idaho - Louisiana - Nevada - New Mexico - Texas - Washington - Wisconsin Regarding specifics for Community Property States & Spousal States, please review this comprehensive PDF presented in chart format for further details: chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/[https://www.worldwidelandtransfer.com/wp-content/uploads/2017/10/MARITAL\_SIGNATURE\_REQUIREMENTS.pdf](https://www.worldwidelandtransfer.com/wp-content/uploads/2017/10/MARITAL_SIGNATURE_REQUIREMENTS.pdf) 🦢 ---
**Author:** ![jennjoneis](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/jennjoneis/32/34972_2.png) [@jennjoneis](https://forum.notarycafe.com/u/jennjoneis)\ **Post date:** [March 28, 2025, 10:51am UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/17 "2025-03-28T10:51:24Z")
cNsa5 Thanks for that information. I’ll give it a look. ---
**Author:** ![cNsa5](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/cnsa5/32/33381_2.png) [@cNsa5](https://forum.notarycafe.com/u/cNsa5)\ **Post date:** [March 28, 2025, 10:53am UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/18 "2025-03-28T10:53:51Z")
@jennjoneis🎉 **You’re Welcome!** 🎉 The voluminous data presented within that PDF can seem a bit overwhelming; however, it’s excellent reference material! 🤓 🦢 ---
**Author:** ![johnsonps306](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/johnsonps306/32/35090_2.png) [@johnsonps306](https://forum.notarycafe.com/u/johnsonps306)\ **Post date:** [March 28, 2025, 2:32pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/19 "2025-03-28T14:32:47Z")
Dissolution of property and that agreement would change any deed requirements anyway. But they should have told the lender they did not want to close before a divorce was final.; What a waste of everyone’s time. ---
**Author:** ![abbottirene](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/abbottirene/32/37509_2.png) [@abbottirene](https://forum.notarycafe.com/u/abbottirene)\ **Post date:** [March 28, 2025, 10:15pm UTC](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982/20 "2025-03-28T22:15:04Z")
That happened to me very early on in my doing loan refinancing. They were in their 70’s and lived together for many decades. I had to walk away with almost 400 pages to shred. Luckily they paid me for a job done. [Next page](https://forum.notarycafe.com/t/an-experience-concerning-spousal-documents/50982.md?page=2)