Signatures

Instructions state that signers must sign as name that is printed on the document. What happens if their signatures resemble more of a scribble than a clear first, middle and last names and they insist that they use their regular signature. What do you do?

Love the scribblers! You do NOT tell people what their signature ‘ought to be’ UNLESS they write very clearly and it’s obvious that SAJones is NOT Shirley Ann Jones. At which point I tell them that the Lender or TC or both may NOT accept it and it’ll be a ‘do-over’. BUT, it’s their call! And, I’ve had a block-printed ‘B’ accepted as Billy Bob Bones signature, with his lawyer’s blessing. I’ve also had a ‘do-over’ when a lady who’d had a stroke did NOT do her own dating. Chicken-scratch signature, but her husband/co-borrower did ALL the dating…and they would not accept it. Had to go back with another whole pkg. and have HER write the dates (was totally illegible, but they accepted it–go figure.)

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I agree with Arichter. You can’t tell people how to sign if a person writes chicken scratch in front of me after I have verified their identity that is on them. It seems like a difficult task for most people to sit for an hour and repeatedly sign their name for something they really want. So, if they are ready, able, have a verifiable identity and a chicken scratch signature then it is good. As policy in my journal I am asking everyone for a thumb print, too.

I read the Lenders instructions pertaining to them at the beginning. If they say “No, I’m not doing that” and decides to print or a one letter swoop for 3 whole names, STOP and call the Title company!!! The first time I didn’t call and it cost me a very important Direct Business Client on my FIRST signing with them. I had to go back out there with that same package and get them to SIGN above their names at my expense.

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Agree with @Arichter, and love the scribbles also. They are the most problem-free and always accepted. As long it matches their DL, I could care less.