I recently faced a situation involving a loan signing where there was an inconsistency between the name on the documents and the signer’s driver’s license. Specifically, the issue arose because an initial was included in the borrower’s name on the loan paperwork, but it was absent from the identification document presented by the signer. This potential problem came to light during the mandatory pre-signing confirmation phone call that I always conduct. Upon recognizing this discrepancy, I immediately reached out to the hiring company to clearly communicate my observations and concerns regarding the name mismatch. Thankfully, the lender took the situation seriously, and ultimately, they proceeded to revise the loan documents to accurately reflect the signer’s correct name as it appeared on the signer’s driver’s license, resolving the issue and allowing the signing to move forward. We have to be very careful and adhere to our state’s statutes, not allowing the hiring companies to take the easy approach by getting us to inadvertently to break notary statutes or procedures. It is crucial to always bear in mind that as notaries, we are ultimately the individuals who will be held responsible for our actions, as well as any shortcomings in our understanding of the relevant laws and procedures. Therefore, we must prioritize thoroughness, accuracy, and a comprehensive grasp of the regulations that govern our profession to ensure the integrity of our services and safeguard ourselves from potential legal repercussions.
Which is why I would never knowingly take an assignment from them. For one thing, it’s a toss-up whether you’ll ever get paid or not. These days, I am sticking to known, established companies. Our job is hard enough without having to deal with all of the flakes that are out there.
@LindaH-FL @steves11 @johnsonps306 @cNsa5 @Notary_veg @yolicue
Perhaps I was not clear. These affidavits were not submitted in lieu of a legal form of identification. The affidavit was used in addition to the identification in an attempt to clear up inconsistencies regarding the signers name.
I didn’t create them myself. They were part of the refi package. It was in the title instructions to have said borrower complete the affidavit.
I became a notary in CA in 1996. I became an SNA in 2001. I moved to TX in late 2006 and received my TX commission in 2007.
Of course things have changed since then.
Of course I would never notarize anything without proper identification.
Of course I didn’t notarize anything without proper identification back then.
Of course we should not ever take advice from the SS.
I just don’t understand why I am receiving so much push back regarding my own experience that I decided to share.
The mortgage industry was the wild west back then. I know because I worked for Countrywide Home Loans.
Does anyone remember Ameriquest? New Century Mortgage? There are a ton of them that are no longer in business because of the '“anything goes” type of practices.
Anyway, I have beaten this dead horse for as long as I care to.
I will see you all later
@yolicue yolicueThe scenarios that you used were the very reason that the same name affidavits were used. Those names were pre-printed on the affidavits.
However, the affidavit is not accected in lieu of a proper ID. The affidavit is used in addition to the ID.
The signer’s name that is printed on the signature line of the loan document is the signer’s correct name. The signers have their ID.
@TX_Roxie Thanks for including me . . . but, please note that I didn’t comment/post on your posts . . .
I did a refi signing for a Jamaican born gentleman yesterday. The name on the documents were a little different than his ID. Same name essentially, but in different order.
He is a junior, so when he came to the US as a teen, the DMV listed his name with Junior as his middle name and not as his suffix. He got it legally changed to his proper first middle last, suffix in 2023 and provided the embossed notarized document to me at the signing. He bought the house originally while it was still incorrectly listed on his ID, so the paperwork yesterday still had the incorrect order of names.
His ID reflected the correction. I took a photo of the ID with the legal name change. His legal signature is a beautiful and impressive scribble anyway.
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