Do you have problems with documents? Does anyone feel the documents you are receiving are so messy, out of order,
I do not understand why the instructions page isn’t first.
Why are there 2 sets of instructions - one from the signing co. and one from title. Both state 2 different pen color, one will say scan/fax back, the other says drop docs right away, Both say need witness but there is no deed.
The crucial docs are spread out in the package, how hard is it to put them first? Why are there multiple error and omission pages? Why can’t it be a general POA, E&O, listing both the title company and bank, etc.? Why do the instruction pages for 4506T and W9 need to be included and printed? All my signers complain when they need to fill out their information sheet stating they have all this information already. I know I can fix the package to my liking, I guess it is just me venting.
A lot of companies want you to send back the docs in the same order they sent them so if you change the order of the docs you have to change them back. I often feel the same as you do but no one cares how we feel about it. Apparently the escrow agents have overwhelming workloads now, much more than in the past, so they are probably not motivated to spend time thinking about making changes.
The errors and conflicting instructions are common and very annoying. As for repeating information, they need to know the critical information as of the date of signing, some of which may have changed since the application. And when they are requiring tax forms they are legally required to include all the extra pages that follow them. I believe there are multiple error correction pages because escrow needs one, title needs one, the lender needs one and they all have different attorneys and different legal needs and they all need an original signature. A lot things that don’t make sense to us are legally required. Their attorneys set up the paperwork.
Good answer Susan! I would add that I contact the escrow or title (whomever sent me the docs) and ask questions to confirm what they want if there is any discrepancy. I have always had appreciative responses, especially from the busy ones!
I just explain to the Borrowers that the documents need to stay in order, so there may be different forms of the same thing for the lender, the title company, and the closing agent. But here’s one for you: All of the title documents did not have the Borrowers’ middle names, but all of the lender documents DID have the middle names, EXCEPT the Quitclaim Deed (no middle names), and the Deed of Trust (both: no middle names in the vesting, but middle names included on the signature line, and no middle names in the notary acknowledgment). There was an instruction to “sign everything consistently” (haha!). Anyone want to guess how they wanted all this resolved? And you bet I got it in writing, twice.