I was told i had missed initials on a right to cancel. Nope, all copies were fine. Finally spoke with someone from the service. Someone else had reviewed my package and bounced it. I was told several lenders now want initials above the closing date and the deadline date. Just a heads up.
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That’s not new it’s lender specific and the firm has a line that says “initials”. It’s also usually in the instructions from that lender.
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for sharing this information. Helpful! 
UWM expects their NORTC initaled and there are NO lines and also no instructions..I learned the hard way.
What is UWM? How do they expect you to know these things if there are no instructions?
No line. No instructions.
I know the forms have never had it, but the training I took (which was worth it) before becoming an agent said you should always have the borrowers initial above or below both those dates signifying that you reviewed those dates with them. I’ve been doing it since day 1 but a lot of Loan Signing Services don’t cover that with you even though the lender expects it. Also a good double check for you that you have looked at a recission calendar and it seems correct given any weekend or bank holiday dates in the mix.
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Is that just for handwritten dates or even for dates that are preprinted?
This has always been the rule. They only have to initial the dates if they are added to a blank line, or corrected/changed. If the dates are printed and are correct, you due nothing, they just sign and date it.
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I requested confirmation about this on an order this weekend. Was told initials only go where there’s a line. Don’t initial anything that doesn’t request it. So - not sure that requesting initials is always correct. If it’s never been rejected than maybe it’s accepted as over signed. It does make sense to have the dates initialed. But I’m still not seeing that from every lender.
Best thing may be to check, yes on each signing, to see if initials are required. When i was told they were needed, i said no line in the form, and nothing in the instructions. I was told it was standard now by many title companies. Some signer must have said, no one told me those dates.