Hello Notaries, has anyone ever came across a Borrower’s Name who does not have a middle name & title use (NMN) no middle name on docs? Docs reads “John (NMN) Doe” but he has no ID to match his signature. His license is “John Doe”. Title is stating that this is legal for him to sign anyway as it’s on his previous docs. I’ve notarized others without a middle name & I’ve never witnessed this one before. Is (NMN) acceptable even if not matching ID?
My usual practice is to see if the first name and last name from the document match the first name and last name from the document. If so, that’s a preliminary match. Then I look for any contradictions between the ID and the document. If the documents indicate the signer has owned a house for 30 years and the ID says the signer is 21 years old, that’s a contradiction. In your case, there are no contradictions. Then I look at the overall circumstances of the signing. If the signing is being held in the home that is the subject of the loan, and the signer seems to belong there, that, combined with everything else, would be enough for me.
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Sounds to me like this particular lender wanted to make sure there’s no other middle name popping up later in court.
I also would like to add that in this case just treat this like you would do with aka or fka.
If that was me and everything is satisfactory I would have him sign first name then print NMN then sign last name. Will look weird for sure but that’s what the lender wanted.
For example you see a lot of these:
Document signature line: Jon Doe aka Jonathan Doe
Customer: sign Jon Doe print aka sign Jonathan Doe
And of course do not forget to administer the oath!
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Ashton, thank you so very much for your reply as I did not know the correct way to handle this. Title told me to have him sign it but borrower did not want to do that either as that was not his name. So he can sign with just his name without (NMN), if I understood you correctly. I will definitely follow with Title on their preference. Thank you once again!
Thank you so very much as I do see the aka or fka but this one just stumped me. Especially when you need to be matching names, signatures and notarizing correctly!
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You are most welcome ma’am. Just make sure you don’t forget to administer an oath. Always call to clarify with the title company first!
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I was not expressing an opinion on how the signer should sign, just whether you should administer a notarial act at all. The signer can sign pretty much however title wants him to sign. Once I was convinced the right person was signing, I’d be willing to put “John (NMN) Doe” in the notarial certificate.
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