They offered the print fee before I even asked. The fee for the order is pretty good as well so that helps.
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Thatâs great ! SO glad for you . Nice to see a SS being proactive and taking care of you .
Another order just came in. Still donât know if this one will sign or not. The signer called me upset wanting to know if I have heard anything, because he has called the lender but nobody has called him back.
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It depends on the type of correction. Is it a document both signers signed and itâs a textural mistake like the wrong address? Then both should initial. Did one signer use the wrong date? If it is a document only one signer signs then only one signer initials the correction. The document set probably has a Correction Agreement and/or an Errors and Omissions document. You call the signer and explain the oversight and ask if you can initial on their behalf. If they agree you make the change and send over a copy of the correction, usually a text of only the initial, not the whole document. We are not allowed to send documents by email to our signers.
Sorry from my point of view, it is on you. Because it is well understood with loan documents that signing TIME is flexible, but the signing date is not. And shame on them for suggesting you might backdate
@Middletnnotary, When a document needing correction involves two or more individuals who are signing it, I make sure to get the initials of each signer next to the corrected area, as a standard practice to ensure thoroughness and avoid any potential future questions or disputes regarding the amendment.
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While I understand what youâre saying, at the time it wasnât clear in my mind that it had to sign on the 25th. It probably should have been, but by time I had printed the docs and prepared them it was to late to sign the documents that night, no matter what. The docs werenât even avaiable at 9:15 pm when the order came in. The docs didnât show up till 9:30 pm and once they were printed and prepared for signing it was 10:45. There was no way this package was being signed in less than an hour once I had traveled to the signing location. It may should have triggered something in my mind, but when the order came that late I wasnât thinking about the order signing before midnight. I called the signer and scheduled for the next day. There was also an issue with one of the docs from the lender that had to be corrected as well. I guess I am glad Title doesnât see it your way. 
After understanding everything that had happened they agreed that it was not possible for the order to be signed that late and increased my fee by $50 to cover the intial printing cost. I will handle this situation differently in the future and try to reachout to title no matter how late it may be. Probably wonât get an answer that late, but I can at least leave a message.
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We all undoubtedly learn and grow within the constantly evolving and dynamic landscape of our business environment. Recognizing this continuous process of development and refinement, I have strategically implemented a cutoff point for the acceptance of new signing order requests. This cutoff is firmly established at 6:00 PM each business day, with the understanding that this policy is subject to one specific exception: Remote Online Notarizations (RONs). I vividly recall the formative years of my notary career, a period characterized by numerous late-night signing appointments that significantly shaped my professional understanding. I distinctly remember, on many occasions, leaving clientsâ homes as late as 11:30 PM, only to find myself not returning to my own residence until 12:30 AM, or even considerably later. After honestly reflecting on those experiences and the demands they placed on my time and personal life, I can confidently state that it is a work practice I will not revisit. My current business model is intentionally structured to optimize efficiency and maintain a healthy work-life balance, and therefore is not designed for a 24/7 operational capacity. I firmly believe that the niche market demanding such round-the-clock availability is best served by other specialized professionals who are equipped for that level of commitment. Furthermore, with specific consideration for the time-sensitive and date-critical nature of loan documents, I am proactively taking steps to mitigate any potential legal liability concerns that could arise from missed deadlines or unforeseen circumstances that can impact the signing process.
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I can see your point. If it wasnât clear to you, it wasnât clear. But if this happens to you in the future, just know that so long as we begin the loan signing appointment with our signers before the stroke of midnight, technically we are signing same day as the documents. I encountered this several times during COVID, conducting loan signing at 11PM â no joke.
p.s. I am glad they added on extra to cover the extra print costs. Thatâs great!
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@Carmen_Lane , your comment about late-night loan signings that conclude before midnight sparked a thought-provoking discussion for me. Itâs my objective towards getting a document that is officially time and date-stamped by an independent, third-party source. My primary goal is to proactively eliminate any potential avenues for future disagreements or disputes among the lender, title company, and the signer(s) involved. Prior to my current role, I spent time in an industry where the timely submission of documents was absolutely critical, and any time/date-sensitive document needed to bear an official postmark or timestamp, verifying its receipt before the stroke of midnight; otherwise, the document was immediately deemed to be submitted after the established deadline, resulting in significant consequences.
I donât take anything after 7pm. I just get up too early for that.
If we are doing a loan signing at 11PM, we are most likely dropping that completed loan package at UPS/FedEx first thing in the morning. In all of my loan signings and general notary work, I have never once time-stamped anything, so not sure what consequences there would be for a notary in this case.
I donât know of any UPS/FedEx facilities open at midnight. But if I had one open near me, I would absolutely try to drop it right after I completed the signing before I went home and be sure obtain a drop receipt which would show the date/time it was dropped. It is understood by hiring companies that if I am doing their loan signing at 11PM, the drop will occur afterwards as soon as possible.
Yeah, 11PM is not ideal for sure. But sometimes I get frantic calls because the signing should have taken place much earlier in the day but there was an issue and now they are desperate to get it completed. A rare occurrence now, but a regular thing during COVID.
Thatâs insane - when I did them I would not start a signing any later than 8pm - and during Daylight Standard Time I stopped doing them after darkâŠafter I almost drove my car straight into the Santa Fe River off the boat launch ramp that had no lights or signs..
A former poster on NotRot always said it well - disorganization or poor planning on your part does not equate to an emergency on my part.
Scary! Yes and fortunately we each get to choose whether to accept or to decline an assignment if it doesnât work with our schedule. I will also decline if weather presents too great an obstacle for me. Here in the PNW, snow and black ice on highways (and especially those winding back country roads that donât receive regular county maintenance in winter) are legit reasons for me to decline a signing, especially at night.
@Carmen_Lane Yeah, things happen. I still get notifications at 8 or 8:30 PM, people with crazy work schedules and families. Now, I just donât even answer. Plus, I try to stay off the highways and county roads at night.
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@Carmen_Lane Years ago, I engaged in a conversation with a lenderâs representative, and they provided valuable insights into the critical importance of date and time accuracy in loan documentation. They explained that loan documents are inherently date and time sensitive, primarily due to the fluctuating interest rates and the legally binding dates stipulated within these documents. Specifically, they emphasized that if a document is signed even at 12:01 AM, it is legally and practically considered to be completed on the subsequent day. This seemingly minor discrepancy can have significant repercussions, potentially impacting various terms of the loan agreement. For instance, a change in the signing time could lead to an adjustment in the interest rate, or, in more severe cases, the entire loan documentation could be rendered void due to the altered date. This scenario introduces a considerable level of risk for the loan signing agent, as they could potentially face legal ramifications stemming from such errors. While it might sound somewhat hypothetical, itâs essential to remember that lenders, title companies, and borrowers could all experience potential damages or incur additional costs as a result of these timing issues. Consequently, it is highly probable that they would seek recourse, and the loan signing agent could become the target of such actions. Furthermore, itâs worth noting that any method used to transmit these documents, including scanning, faxing, emailing, or even dropping them off at postal facilities like the post office, FedEx, or UPS, are all timestamped, creating a clear audit trail of the time and date of the transaction. Therefore, I wanted to share this important information, including this excerpt: âIf loan documents are signed at 12:01 AM the next day, it is important to consider the following potential issues:
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Legal Compliance: The signing of documents before the official closing date may violate state laws regarding the timing of consummation, which is the point at which the loan becomes effective.
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Notarization: The Notary Public may not be able to notarize the documents if they are not physically present at the time of signing.
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Closing Date: The closing date may be pushed, which can affect the timing of the loanâs maturity and the timing of the first payment.
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Interest Rates: The interest rate may be affected by the timing of the signing, potentially leading to a different interest rate than what was agreed upon.
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Loan Terms: The loan terms may need to be adjusted to accommodate the new signing date, which can complicate the process.
Due to those reasons, I avoid late night loan signings or general notary work involving legal documents.
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I understand the loan documents are time sensitive. I reconfirmed with vendor management at ServiceLink once again (800-777-8759, ask to be transferred to vendor management): If our loan signing appointment begins at 11:00PM on 10/01/2025, the signing date stays the same throughout that entire loan signing appointment, regardless if the time rolls over to 12:01AM.
If I had a loan signing appointment at 11PM but did not arrive or started the loan signing after 12AM, then there is an issue for loan documents dated 10/01/2025 because the signing date is now next day, 10/02/2025.
Of course late night signings are not ideal, but should that occur, the precise date we begin that loan signing is applied throughout that loan signing appointment.
If you and the signers start writing one date at the beginning of the signing appt and then switch to another date because time has passed and now the clock now says 12:01AM, the lender and title are understandable going to reject the loan documents because of the two dates.
Thatâs another thing that is never taken into consideration, especially when paying us 50% for no-signs. Weâre expected to shred the documents (2 sets). Depending on the shredder you have, that can take a significant amount of time.
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If the correction pertains to both people on that document, you need both initials. If itâs like a name affidavit and itâs just one individual only, that individual needs to initial the correction.