First thing the signer says is, I need to compare the Closing Disclosure with the one I reviewed because if they are different I’m not signing.
So I pull the Closing Disclosure - which is never on top.
Oh great - the points fee is higher than she was promised. And this was the 3rd time it had happened and she was not happy. So she tries to reach the lender.
I start texting with snapdocs, then I start looking for a phone number in the docs because none were provided on the order. Finally found a number the office was still open and we call. I put it on speaker. After getting someone and explaining what we were doing - we had to go on hold so they could find someone in the refi department.
25 minutes later we get someone. Who tells her - your loan officer can fix it in the morning, please sign and if you are not satisfied with his resolution tomorrow you can use the Notice of the Right to Cancel.
Something as notaries we are told to never do. But it was the lender themselves.
And that did not sit well with her either. So it will be interesting to see if this one actually closes or if she cancels. When we signed the RTC I said like i always say you must return a signed and dated copy from today in order to exercise this right to cancel.
She says with a completely straight face - what are the odds.
Then she said it wasn’t the amount of money by that time, it was the fact that she started the refi in October 2024 and it was the 3rd time she was trying to close the deal. And after the first two times she specifically told them - the fees better match.
Is everyone getting sloppy? Can’t just be us chickens.