I had my first big signing yesterday and I forgot to have the signer sign the closing disclosure. The signature line was tiny and easy to miss, but it is my fault. What happens if this is not signed. I feel horrible.
How did you realize you missed this signature? If it’s a matter of you went home and checked the docs, go back and get it signed before shipping. If it’s a matter of you had already shipped but caught it when reviewing scans, then print it, go back and get it signed and ship at your expense.
The CD is not something that needs notarization. So, technically, TC can send to signer, have them sign it and send it back. However (and this is a BIG however), it was part of the package that was entrusted to you to get signed. Do whatever you can, immediately, to get it completed.
If TC is currently unaware of this omission, call them and let them know you’re working on it. They’ll respect you more for admitting to a mistake and getting it fixed rather than neglecting it.
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I was straightening out and preparing the package for shipment. It is the paper that confirms their receipt of the closing disclosure. It says:
“By signing this you are only confirming that you have received this form”.
Get it signed immediately and ship out the entire package today.
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Having the closing disclosure signed is a routine and repetitious act.
Unless the signer is not married BOTH husband and wife need to sign the closing disclosure. Regardless only one of them is the borrower. On a few rare occasions, the CD doesn’t need to be signed but this information will be on Notary instructions at the beginning of the packet.
This will become second nature the more signings you do.
Make it a habit to double-check the signature pages when the signers hand it back to you. Make sure they signed exactly how their name is typed and that the dates are clear and accurate.
Also, make it a habit to triple-check that everything is complete before you ship.
What makes a great notary is not the fact that we do not make errors it is the fact that we can fix errors and fix them immediately before title receives the shipped documents.
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Thank you! I needed to hear this and needed some encouragement. I did have go back and have the signers sign the disclosure. The company that hired me was very understanding and appreciative that I corrected the mistake. Thank you all so much.
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Triple Check is a rule that leads to fewer errors. Check as your print. Check as they sign, Check it all before you leave. #3 - people get comfortable and forget looking at everything before they leave because they did one and two. I always tell people when they sign the Compliance Agreement that I will look at every page before I leave and in the event of an error they will hear directly from me and I will correct any error before they fund. I haven’t had an error in over a year but I always tell them things can happen and no one’s perfect. But I always let them know that sometimes stuff happens.
I’m so glad it worked out for you Carrie. We’re all human 
I flag all my pages before I go and still look at the pages that aren’t flagged, while at their table, to make sure I’m not missing anything. Over sights can occur during small talk at the table too. I try to keep that to a minimum. If they still do it, I stop, listen to what they’re chit chatting about, comment and then close the conversation, before moving on to the next document.
I missed one section on the bottom of a page just the other day and the signer said “Do I sign down here too?” I looked at it 
and said “Honey, I’m glad you caught that, because I sure missed it!!!”
Keep up the great work and always remember to be kind to yourself 
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