Hi all,
I’ve read (I’m pretty sure in NNA training docs) that a Deed
of Trust always needs to have every page initialed buy the borrowers. Is this
the case? Last time I notarized a Deed of Trust there was nothing at the bottom
of the pages asking for initials from the borrowers. In this case do you still
get them to go ahead and initial or do they only initial if it is explicitly
asked for on the individual pages?
Thanks!
Best
Danny
I don’t know how it is in other states, but here in Texas it is not necessarily a requirement for the signer to initial every page of the Deed. If there are no initial lines I do not have the borrower initial every page UNLESS the lender or title company specifically requests that they do so in their instructions. And obviously if there ARE initial lines then the signers must also initial
…thanks K Lewis, that helps!
kind regards
Danny
In New Jersey, you do not have to have them initialed, unless there is a spot indicating “initials” or you are specifically asked to initial the note or mortgage in the instructions.
In California I’ve seen them both cases (with or without initial). Somebody told me because of the version of the software lender uses to generate the documents. Just have to keep an eye for it, I guess.
If the documents call for initials then have them initial. If there are not lines for initials then do not have them initial. There are some lenders who do not like it at all when the notary has the borrowers initial documents when it is not required. Let the docs be your guide.
In Illinois, I think they require that all Deeds be initialed. Many times, there are initial lines, and it needs to be notarized.
The Deed Of Trust that was sent to me did not have a place for me to stamp. it just had signature blocks for them to sign. I had attached Acknowledgemnt to the deed of trust .
Some of the companies I close for require three initials–so be aware of any special requirements. I make all customers use three that way NO PROBLEMS…
Here, county recorder will kick it back.
