I always carry two stamps, my round one and a small square one for the documents that don’t have the room for my round stamp.
When I renewed commission the end of April I ordered two. That small stamp is a smearing mess finally re-ordered the same model I had before that never caused problems.
In between delivery I did a HELOC with the Short Form Deed of Trust and there was no room for my regular round stamp and after the small stamp smeared all over I pulled one of my acknowledgements I carried and re-did the notarization on a seperate sheet and used my regular stamp.
I just got asked why I attached that and didn’t use the acknowledgement on the form. So I explained the stamp quality issue and that I’ve re-ordered a small stamp to eliminate the issue in the future. But apparently the lender questioned the attached acknowledgement.
Anyone have that sort of thing happen? Was I supposed to leave the smeared acknowledgement and THEN attach a separate acknowledgement?
I feel like I am seeing some nit picking. Anyone else feel that way? This one lender crams the acknowledgement at the end of a page and if you don’t have the smallest stamp available - your stamp won’t fit.
@johnsonps306, @johnsonps306, I always fix the stamp space issue during the prep stage. If I have to, I make a note of it, then I talk to the hiring company about the use of loose certificates. This way, the company can change their docs or give the ok to use a loose certificate. So, I don’t ever have a problem.
I thought it was weird to get that called out. On the short form - there is no room. I never realized permission is needed to include a loose acknowledgment. This is the first time in 4 years it’s come up. I ordered the smallest stamp available which should work from now on.
Another consideration, some companies do not allow us to add or alter their loan packages. Every company have different policies. I do not get paid those “big dollars” to make executive decisions (LOL). So, I elect to stay in my “lane”. Plus sometimes by making those phone calls it has led to positive fee adjustments for me.
That’s fine - as long as the notarial cert is FL compliant. If it’s not (and many of them are not) and I’m not allowed to make it conform, they’ll have to find another notary to break the law for them.
Hmm, not sure about the miscommunication. When a company states “Do not alter the loan package”, it’s our right and duty to inform the company that we have to adhere the state’s statutes. I cannot count how many times this type of discussion had occurred with nationwide title companies that use standardized templates forms. Their go to statement “we never had any problems with other loan signing agents in your area/state”. One of these three things are happening, the representative is unaware of our state laws, individual is lying, or some LSAs are not following state statutes. Funny thing, I have heard similar statements from borrowers as well. I have seen first hand at UPS, FeDex. or financial institutions where their notaries are not adhering to state’s laws. There go, I charge an additional fee for loose certificate, knowledge, and labor. My expertise has a value…
I would have used the fresh one from the borrowers’ copies. Title companies are very concerned about the county clerk rejecting deeds. So worried that they require signatures in blue ink to eliminate the signed copy being lost when the loan is packaged.
The other copy doesn’t have a larger stamp area. I bought a small stamp but it’s not the self inking kind so the ink is really dark smears easily and smudges. So I’ll be glad when my replacement gets here.
